A wedding is one of the most memorable occasions in a family's life. However, wedding expenses have increased significantly over the past decade due to inflation, rising venue costs, catering, jewellery, photography, travel and hospitality.
Planning well in advance through regular SIP investments can help you build the required corpus without taking loans or liquidating your long-term investments at the last moment.
Wedding expenses vary depending on the city, venue, guest count and personal preferences. The figures below are approximate estimates for planning purposes.
| Type of Wedding | Estimated Current Cost |
|---|---|
| Simple Wedding | ₹10 – ₹20 Lakhs |
| Mid-Range Wedding | ₹20 – ₹50 Lakhs |
| Premium Wedding | ₹50 Lakhs – ₹1 Crore |
| Luxury Wedding | ₹1 – ₹5 Crores+ |
| Expense | Approximate Cost |
|---|---|
| Wedding Venue | ₹3 – ₹25 Lakhs |
| Catering | ₹5 – ₹30 Lakhs |
| Jewellery | ₹10 – ₹75 Lakhs |
| Clothing & Accessories | ₹2 – ₹15 Lakhs |
| Photography & Videography | ₹1 – ₹10 Lakhs |
| Decoration | ₹2 – ₹20 Lakhs |
| Entertainment | ₹1 – ₹10 Lakhs |
| Travel & Accommodation | ₹2 – ₹20 Lakhs |
| Miscellaneous Expenses | ₹2 – ₹10 Lakhs |
* Costs are indicative only and vary depending on the city, guest count, venue, lifestyle preferences and future price changes.
Wedding costs generally rise every year due to inflation, higher venue charges, increasing gold prices and rising labour costs. Planning early helps reduce the financial burden.
| Current Wedding Budget | Years Remaining | Future Cost (8% Inflation) |
|---|---|---|
| ₹20 Lakhs | 10 Years | ₹43 Lakhs |
| ₹20 Lakhs | 15 Years | ₹63 Lakhs |
| ₹50 Lakhs | 10 Years | ₹1.08 Crore |
| ₹50 Lakhs | 15 Years | ₹1.59 Crore |
| ₹1 Crore | 10 Years | ₹2.16 Crore |
| ₹1 Crore | 15 Years | ₹3.17 Crore |
Suppose your daughter or son is five years old today, and you expect the wedding to take place after fifteen years. A wedding costing approximately ₹50 Lakhs today could cost nearly ₹1.6 Crores by then if expenses continue to rise at around 8% annually.
Rather than arranging such a large amount at the last moment, a disciplined monthly SIP started today can gradually build the required wedding corpus while benefiting from long-term compounding.
Every family has different aspirations for their child's wedding. We help you create a personalised investment plan based on your budget, investment horizon and risk profile.
Estimate the future cost of the wedding after considering inflation and your preferred lifestyle.
Determine the monthly SIP required to achieve your target wedding corpus.
Select suitable equity, hybrid and debt mutual funds according to the years remaining until the wedding.
Increase your SIP annually as your income grows, making the goal easier to achieve.
Review investment performance regularly and make changes whenever required.
Gradually move investments towards debt funds during the final few years before the wedding.
Monitor your corpus every year and stay on track towards your financial goal.
Enjoy your child's special day without relying on loans or disturbing other financial goals.
A long investment horizon allows greater exposure to equity. As the wedding approaches, gradually reduce equity exposure to protect the accumulated corpus.
| Years Remaining | Suggested Allocation | Primary Objective |
|---|---|---|
| 15+ Years | 90% Equity / 10% Debt | Maximum Wealth Creation |
| 10–15 Years | 80% Equity / 20% Debt | Long-Term Growth |
| 5–10 Years | 60% Equity / 40% Debt | Balanced Growth |
| Last 3 Years | 20% Equity / 80% Debt | Protect the Wedding Corpus |
Waiting until the last few years before the wedding results in very high monthly investments.
Wedding costs generally increase every year, making last-minute planning much more expensive.
Many parents withdraw from retirement investments, putting their own financial security at risk.
Long-term goals often require investments that have the potential to outpace inflation.
Maintain an appropriate asset allocation and gradually reduce equity exposure as the wedding approaches.
Regular reviews help ensure your investment plan remains aligned with your target corpus.
Every year you start early gives compounding more time to work. Let's estimate your future wedding budget, calculate the required SIP and build a disciplined investment plan to achieve your goal.
Plan My Child's Wedding