SME Finance

Empowering Small and Medium Businesses to Scale

Quick digital sanction
Easy customer support
Rewards on repayments
Flexi funds facility

About SME and Entrepreneurship Financing

SME Finance refers to business loans specifically tailored for Small and Medium Enterprises (SMEs) to support their operations, expansion, and growth. At Godrej Capital, we offer flexible, collateral-free SME business loans with quick processing so that your business gets the funding it needs, when it needs it.

Collateral-free loans up to

INR 50 lakhs

Interest rates starting from

17% p.a.

Eligibility check in

24 Hours

Repayment cycle up to

72 months

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Key Features & Benefits of SME Finance

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Key Features & Benefits of SME Finance

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*Terms and Conditions Apply

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Design Your EMI

Create repayment plans according to your business needs.

Adapt your repayments to your business's cash flow requirements, freeing up capital for strategic investments. During seasonal dips, take advantage of interest-only payments to ease the burden and keep your business running smoothly.

Pay interest-only for select quarter or up to 24 months
Pay your EMIs as per your convenience, capability, and comfort

Apply Now
Know More

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BizRewards

Turn responsible repayments into earning possibilities with BizRewards!

Get rewarded for what matters most - your financial responsibility. Timely EMI payments will not only maintain your credit score but also earn you exciting rewards.

Earn exciting rewards on timely repayment of your EMIs
Choose from a wide range of vouchers across lifestyle, wellness, fashion, travel, and more
Total reward value up to INR 20,000

Apply Now
Know More

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Flexi Funds

Explore ready access to funds in just a few simple clicks with Flexi Funds, an overdraft-like facility.

Withdraw funds from a sanctioned limit and repay at your convenience with Flexi Funds - an easy-to-use overdraft-like facility. Flexi Funds provides the flexibility to manage the cash flow needs of your business.

No fixed EMIs - Interest only charged on the amount you withdraw
Repayment tenure of up to 6 years
Sanctioned limit of up to INR 50 lakhs

Apply Now
Know More

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Grow with Nirmaan

Build your business dreams, all in one place: Nirmaan, your one-stop growth partner.

Expand locally and globally, navigate government tenders, manage employees, streamline operations, transfer funds securely, get compliance support, and more with Godrej Nirmaan's comprehensive ecosystem.

Exclusive partner offerings with discounted pricing
Savings of up to INR 50,000
Zero registration fees, simply visit Godrej Nirmaan

Apply Now
Know More

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SME Loan EMI Calculator

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Loan Amount

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Home Loan

Plot Loan

Property Loan

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Interest Rates & Charges for SME Loan

Interest Rates & Charges

Grow without financial strain. Our competitive SME loan interest rates and transparent fee structure help small businesses thrive confidently.

Types of fees	Charges applicable
Rate of Interest	Starting from 17% per annum
Loan Amount	INR 5 lakhs to INR 50 lakhs
Processing Fees	Up to 3% of the loan amount
Foreclosure Charges	Up to 6% of principal outstanding at the time of foreclosure
Part Pre-payment Charges	2% of the amount prepaid
Charges towards Stamp Duty	As applicable & prescribed by the relevant Government Authority

Documents Required

Ready to apply for a SME Loan? We’ve simplified the process with minimal paperwork. Just submit the required documents for SME Loan and take the next step toward securing funding for your growing venture.

KYC Documents	PAN Card
	Aadhar Card (Proof of Address)
	Passport-sized photo
	Udyam Certificate (if applicable)
Income Documents	GST Certificate (if applicable)
Income Documents	Latest 6 months bank statement

*Refer Policy document for more details

Eligibility

We’ve kept our SME loan eligibility criteria clear and business-friendly.

Loan for	Self Employed Non-professionals
Profile	The applicant should be a Sole Proprietor/Partnership firm/Private Ltd Co./Unlisted Public Ltd Co./LLP involved in the business of Manufacturing, Trading or Services
Age	25 to 65 years
Business Vintage	1. Minimum business vintage of 3 years 2. Minimum turnover of INR 40 lakhs 3. Bank account in the name of the business 4. Minimum profit of INR 3 lakhs

* Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.

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Interest Rates & Charges for SME Loans

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