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Key Benefits
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Our Loan Against Property

Finance your business and personal dreams at attractive interest rates with Godrej Capital’s Loan Against Property

  • Interest rates from 8.75% onwards
    Interest rates from 8.75% onwards
  • Loans up to 10 Cr
    Loans available upto INR 25 Crores
  • Longer tenures of upto 20 years
    Longer tenures of upto 25 years
  • Longer tenures of upto 20 years
    Interest-Only Payments up to 36 months

Key Features

Key Benefits
Key Benefits
Design Your EMI
Be it purchasing a home, expanding a business, or funding your child’s education, we help you create moments of joy with our Loan Against Property product.
EMI Break
  • check Caters to all business and personal needs.
  • check Low interest rates starting at 8.75% per annum.
  • check Longer tenures of up to 25 years.
  • check Loans of up to 80% of the market value of the property.
  • check Interest Only payments available for up to 36 months.
  • check Loans available on both, personal and commercial properties
  • check (Coming Soon) Pay Instalments as per your choice: Quarterly, Bi-monthly (once in 2 months).
  • *T&C Apply
Manage your finances better with the Flexible re-payment plans from Godrej Capital
EMI Break
  • check Avail flexibility in repayment through ‘Design your EMI’, where you can start with lower EMI amounts.
  • check Choose to pay only the interest amount for up to first three years of the loan; enabling efficient use of the loan availed.
  • check (Coming Soon) Pay Instalments as per your choice: Quarterly, Bi-monthly (once in 2 months).
  • *T&C Apply
Loan Against Property Key Benefits
  • check Fulfil your high end business & personal needs
  • check Get low interest rates starting at 8.75%
    Per Annum
  • check Avail longer tenure of up to 20 years
  • check Avail Loan of up to 70% of the market value of your property
  • check Avail loans for both personal and commercial properties
  • check Avail EMI Break in the 1st 3 years of your loan
  • *T&C Apply

Low Interest Rates

We listen to what you need. Godrej interest rates on Loans Against Property are designed to fit your Aspirations and needs.

RESIDENT

Salaried

8.75%

To

10.99%

Per Annum
BUSINESS

Self Employed

8.75%

To

10.99%

Per Annum
PRACTICING PROFESSIONALS

Self Employed

8.75%

To

10.99%

Per Annum
*T&C Apply

Calculate Your Savings

EMI Calculator
EMI Calculator
Loan Eligibility
%
Loan Tenure
Yrs
Ms

Your Monthly EMI

For the years at the % of interest rate

Total Interest Payable

Total Payment
(Interest + Principal)

How to use the EMI Calculator?

  • Input the amount you need to avail as a loan using the slide bar.
  • Key in the interest rate from 6-15%
  • Adjust the loan tenure options (months and years) to generate your monthly and total repayment.

How does the eligibility calculator help you?

  • Aids in making a well-informed decision for your finances
  • Assesses the tenure that would be feasible for your loan repayment
  • Commences long-term financial planning basis the available EMI-related data
  • Gauges the amount of interest you would pay
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan Eligibility

How to use the Eligibility Calculator?

  • Input your net monthly income using the slide bar. This can include income from multiple sources.
  • Enter the total amount of EMIs from existing loans.
  • Key in the interest rate from 6-15%
  • Adjust the loan tenure options (months and years) to your ideal repayment period

How does the eligibility calculator help you?

  • Determines the best-estimate amount you can avail as a Loan
  • Plans your future financial investments with greater optimal accuracy
  • Assesses the benefits of loan with ease

Mandatory documents required for property loan are

KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Copy of Pan Card or Form 60
  • check Copy of proof of identity (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
  • check Copy of proof of address (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check Copy of salary slip for last one month, or a Salary Certificate on the company letter head (authorized by the signatory of the organization)
  • check Copy of proof of employment for last 2 years (Form 16 or joining date on appointment letter or salary slip etc.)
  • check Copy of salary account statement for last 6 months
  • check Copy of proof of bonus for last 2 years (bank statement) or variable incentive for last 6 months (salary slip)
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Copy of current Registration or Draft Agreement for sale (only for Maharashtra) / allotment letter / stamped agreement for sale
  • check Copy of Occupancy Certificate (fully constructed property) or approved plan copy (xerox blueprint)
  • check Copy of Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
  • check Copy of payment receipts or bank account statement showing payments made to seller
  • check Prior chain-link title documents
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Bank Statements for last 12 months
  • check Business Continuity Proof for 5 years
  • check Tax Audit Report, if applicable
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Practice Continuity Proof for 5 years
  • check GST challans for last 1 or 2 or 3 quarter since filing of last returns
  • check Tax Audit Report, if applicable
  • check Bank statement showing Rental credits & Registered Rent Agreement, if applicable
Property Documents

Property Documents

Property related documents
  • For resale home loans
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller

FAQs

What is a Loan Against Property (LAP)?

It is a loan against fully constructed, freehold residential and commercial properties for personal or business needs. The funds obtained can be also used for other purposes including marriage, medical expenses, or child’s education etc. Please note that if you have an existing Loan Against Property (LAP) from other banks and financial institutions, you can transfer it to Godrej Capital.

What is maximum funding that I can avail on a property as LAP?

For new customers, you can get funding up to 80% of the property value depending on the segmentation and the property type. But, for existing customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the market value of the mortgaged property as assessed by Godrej Finance.

Who can avail a Loan Against Property (LAP)?

Loan Against Property (LAP) can be availed by both, salaried and self-employed individuals for professional needs such as business expansion, debt consolidation, and various personal needs including homeownership, marriage, child education etc.

What is the maximum term for which I can avail a Loan Against Property (LAP)?

You can avail of Loan Against Property for a maximum term of up to 25 years subject to internal policies of a lending institution.

What is the security that I need to provide to avail a Loan Against Property (LAP)?

TBC

Can I avail Loan Against Property (LAP) for a commercial property?

Yes, Loan Against Property (LAP) can be availed against fully constructed and freehold commercial properties.

What are the documents required for a Loan Against Property?

Click here to know the documents required for a Loan Against Property. For applicable Fees & charges, refer Schedule of Charges.

What are the purposes for which I can avail a LAP?
  • Business expansion
  • Long-term working capital
  • Purchase of equipment
  • Holiday
  • Education of children.
What is a NACH Mandate?

National Automated Clearing House (NACH) is a centralized structure created to make payments more accessible and cost-effective. It offers a fast and efficient clearing platform. The NACH debit mandate is used by Godrej Capital to automatically deduct monthly instalments from your bank account for the loan availed.

How to cancel your NACH Mandate?

Two ways to cancel your NACH mandate are:

  • You can log in to the customer portal and request to cancel the mandate through the ‘Write to Us’ section.
  • You can also send an email to customercare@godrejcapital.com through registered email ID or call our Customer Care +91 22 68815555 through a registered mobile number and place a request for NACH mandate cancellation.

Please note that you need to mention the Loan Account Number (LAN) in the request, and our team will connect with you within 48 hrs.

Unlock your aspirations, fulfil your business & personal dreams

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