The Kaf HaChaim in Simon 14 simon koton 14 paskens that the halocho of making a brocho on a borrowed tallis is only if you wear the borrowed tallis together with tefilin, that is generally during shacharis. But says the Kaf HaCahim, if you wear it only for an aliya or during a tefila without tefilin, generally mincha or maariv, you don’t make a brocho. He goes further to quote the Taz that the Rosh paskins that a borrowed tallis you make a brocho because the person is happy that you do a mitzva with his tallis and part of the mitzva is the brocho. The final psak is that for a tefila with tefilin you do make a brocho, and the psak does not differentiate if a married man or bochur. The Kaf HaChaim brings down the Ben Ish Chai that the reason for no brocho for an aliya or duchaning or mincha marriv is that these are only a minhag to wear a tallis whereas a tefila with tefilin, shacharis, is a din, especially the shliach tzibur. In fact, a bochur is also obligated to wear a tallis but our accepted minhag is to start after his chasuna. Of course the accepted German minhag is for a bochur to wear after bar mitzva. At any rate, both a bochur and married man borrowing a tallis for shachris with tefilin, especially to be a shliach tzibbur does make a brocho. For an aliya, duchan, mincha, maariv they do not make a brocho. All that said, the Eliyahu Rabbo does paskin to make a brocho always and the Kaf HaChaim says that if you do make a brocho always, you can’t lose anything. It’s not a brocho l’vatoloh.
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