Loan Against Property

 

Our Loans Against Property can help you through life’s biggest moments. Weddings, personal passions, educational fees or career changes - we’ve got you covered. Refinance any existing commercial or residential property at the best rates today.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Udyog Loan Against Property

 

Are you an MSME owner looking to scale your business operations? Take your business to new heights with Godrej Capital Udyog Loan Against Property. Our loan solutions enable business owners to get higher loan eligibility by allowing multiple sources of income to be considered. With quick loan approvals and attractive interest rates, our goal is to help your business achieve growth.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Commercial Property Loan

 

Take your business to the next level with a Commercial Property Loan that finances construction, extension or improvement to make your business goals become reality. With plans designed for your life, you can rest assured that your business empire is in safe hands.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Balance Transfer

 

Transfer your existing loans to Godrej Capital and experience the benefits of lower interest rates, flexible repayment terms, and significant EMI savings. Enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Home Loan

 

Seeking a Home Loan to buy a ready-to-move-in property, an under-construction house, or renovate your current residence? Our Home Loan, featuring low interest rates and flexible EMI plans, is specifically designed to help you accomplish buying your dream home.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Plot Loan

 

Found the perfect spot to build your future? Our Plot Loans can help make it yours. Our loans offer you the financial help, low interest rates and flexible payment options you need to construct the home of your dreams.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our professional loans for doctors are here to help you.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our professional loans for doctors are here to help you.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for CAs

 

Want to scale your professional practice? We now offer professional loans for doctors and chartered accountants (CAs) to help you expand your existing set-up, hire more staff, buy modern equipment, and fulfil other business requirements to improve and develop your services.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for MSMEs

 

If you're an entrepreneur with a small business or an MSME and are aspiring to take your venture to greater heights, you're in the right space! While you hustle for your company's success, we stand prepared to accompany you on this journey. Access unparalleled funding possibilities with our MSME-focused business loans, aligning seamlessly with your endeavors for business growth.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for Women

 

Are you a woman entrepreneur with a vision for business growth? We are excited to fuel your ambitions with our women-centric business loans. Whether you're spearheading a small-scale business or a micro enterprise, our MSME-focused business loans are designed to meet your business needs.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan

 

We give you the courage to take that next step that your business needs. Godrej Capital Business Loans empower you with customizable financing solutions to grow your business to the next level!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs


Knowledge Centre

Hello

Knowledge Centre

Hello


Welcome to Godrej Capital Knowledge Centre for information on various aspects relating to financing. Please note that this section is for information purposes only and we advise you to do your own due-diligence before taking any financial decision.

Welcome to Godrej Capital Knowledge
Centre for information on various aspects
relating to home financing. Please note
that this section is for information
purposes only and we advise you to do
your own due-diligence before taking any
financial decision




How Does Your Credit Score Impact Interest Rates on Loans?

Credit score can have a big impact on the interest rates you are offered.

How Can a Small Business Benefit from an Overdraft Facility?

An overdraft facility can be a valuable financial tool for small businesses in India. Explore Godrej Capital Flexi Funds to enjoy the benefits of OD.

Udyog LAP: Multiple income streams, single loan solution

Struggling with limited loan options? Udyog LAP considers ALL your income streams for bigger loans & flexible repayment. Apply now for your business!

10 Powerful Tips to Grow Your Small Business in India

Want to thrive in India's booming MSME market? Discover 10 powerful strategies to propel your small business growth in 2024. Learn about digital marketing, building a brand, and more!

Guide for Indian MSMEs (2024): Income Tax Saving Tips Small Business Owners

Minimize your MSME's tax burden in India with proven strategies! Save money, stay compliant, and fuel your business growth.

24x7 Access: Managing Overdraft Facility Online

Overdraft facility eliminates the need to apply for a new loan every time funds are required.

How Can Your Business Navigate Legal and Compliance Challenges?

Worried about legal hurdles? This guide helps MSMEs/small businesses navigate compliance & avoid fines.

What is Godrej Capital Nirmaan? How Can It Benefit Your Business?

Are you an MSME or small business owner? Learn how you can grow your business with Nirmaan

The Power of Online Marketing for MSMEs

The Internet is important for businesses to have a strong online presence and access information easily.

Is an Overdraft Facility Better Suited for Your Business Than a Term Loan?

An overdraft facility is a loan option provided by lenders allowing customers to withdraw money based on their convenience from a pre-determined limit.

Latest Trends Driving Small Business Growth

Small business owners need to keep up with the evolving trends for business growth.

Leveraging Financial Assets for Business Growth

Fund your Small and Medium Enterprise (SME) with various loan options to grow your business.

Business Loan – Frequently Asked Questions Answered

MSME Certificate helps identify a Micro, Small, or Medium business based on size, and promotes and supports MSMEs.

Understanding Loan Repayments: A Simple Guide for Borrowers

Loan repayments play an important role. Understand the details of how loan repayment works.

Achieve Financial Goals with Lease Rental Discounting

Lease Rental Discounting has emerged as a compelling solution to achieve financial goals.

A Complete Guide to the Different Types of Loans Available in India

There are various types of loans available to meet the financial requirements of individuals and businesses.
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A Complete Guide to Home Loan Management

Home Loan application is a long-term commitment. Thorough research and planning is necessary at every stage of the loan application process.

Grow with Nirmaan: One stop-solution for all your business needs

Grow your business and achieve new heights of success with Godrej Nirmaan

Understanding Different Financing Options Available in India

This guide unlocks the secrets of financing, from debt vs. equity to smart choices. Get the funding you need for your car, home, or business.

ABCs of Business Loan: Understanding Commonly Used Terminologies

Deal with the loan process confidently and smartly. Understand loan terminologies to ace your loan process and repayments.

Loan Tenure: All You Need to Know

Read all about Loan term and make an informed decision to pick the loan term that fits your requirements

Udyog Loan Against Property versus Udyog Loan Against Property Flexi Funds: What Should You Choose?

Wondering what’s best for your business cashflow? Find out the difference between Udyog LAP and Flexi Funds | Apply online

Government Schemes for Women-led Businesses/MSMEs in India: All You Need to Know

Find government MSME schemes & business loans for women. Explore Mudra Yojana, Stand-Up India & unlock your potential!

Loan Against Property versus Loan Against Property Flexi Funds: Which One Fits Your Needs?

Wondering what’s best for your business cashflow? Find out the difference between LAP and LAP Flexi Funds | Apply online

Understanding GST for Home Buyers in India (2024): Impact & Implications

Confused about GST on flat purchases? This guide explores GST implications for home buyers in India (2024), including rates, impact on affordability, and tax on maintenance fees.

Celebrating International Women’s Day: Special Offers for Your #LimitlessGrowth by Godrej Capital

Special Women’s Day offers on Home Loans, Business Loans, LAP & Udyog Loan. Limited period only!

Thinking of Home Loan Balance Transfer? Avoid These 4 Mistakes for Maximum Savings!

Save maximum by avoiding these 4 home loan balance transfer mistakes

Design your EMI: The Flexibility You Need for Loan Repayments

Explore Godrej Capital’s Design your EMI (DEMI) feature on various types of loans and enjoy flexible repayment options to suit your needs.

Myth Busters: Decoding Myths vs. Facts for LAP

Confused about Loan Against Property? LAP myths are decoded just for you. Read to know more about the popular myths around Loan Against Property and the facts to make an informed decision.

Inclusive Lending: Loans for Same-Sex Partners

Zero discrimination in loans for same-sex partners and how loans can be an enabler.

Home Loan Tax Benefits for Women

Various financial benefits, particularly in terms of tax deductions, are available to women who opt for Home Loans

Understanding Interest Rates: Fixed vs. Semi-Fixed vs. Floating

Confused by different loan interest rates? Fixed, floating, or semi-fixed? Understand all about it and how to choose the best option for your financial goals.

Everything You Need to Know About KYC Verification

Read on to learn more about KYC, step-by-step guide for the KYC verification process, the documents required, and more…

Crisis Management: Can a Business Loan Help You?

Manage business crisis effectively. Understand how a Business Loan can support your business

Importance of Home Loan Sanction Letter

A Home Loan sanction letter serves as a testament to a borrower's eligibility for a Home Loan from a financial institution.

What does New Tax Regime Say About Home Loan Tax Benefit?

Old tax regime or new tax regime? Know how to choose if you are planning for a home loan

Is Interest Rate Everything in Home Loans?

Also look for these factors you should consider before applying for a home loan

Effective Strategies for Paying Off Your Home Loan Sooner

Prepaying your home loan can be a smart financial move. It helps become debt-free faster and reduces the total home loan interest rate you'll pay over time.

Loan Protection Insurance: Your Safety Net for Life's Unexpected Turns

Do you really need Loan Protect Insurance? Understand how it can benefit you and your dependents

Planning to pay off your loan early? Consider this before you make a decision

Is loan prepayment or loan foreclosure on your mind? Read this blog to find out if it’s the right decision for you.

Flexibility of Repayment in Business Loans

Flexible repayment options can offer business owners a level of convenience and adaptability that traditional fixed repayment plans may not provide.

Understanding Overdraft Facility: A Simple Explanation

Flexi Funds is an overdraft-like facility. Understand how it works, its features and advantages

6 Mistakes Chartered Accountants Must Avoid in Their Career

CA success – Explore benefits of Professional Loans for CA and common mistakes they should avoid

Benefits of filing Income Tax Return (ITR)

Here’s why everyone should file their ITR

5 Expert Tips for Mastering Home Loan Balance Transfer

Save more with these master tips on Home Loan Balance Transfer | Apply Online

7 Mistakes that Affect a Doctor’s Financial Well-being

Professional Loan for doctors is one among many things a doctor may consider. Find out more.

Understanding Pradhan Mantri Awas Yojana 2024 – Affordable Housing Scheme

Check benefits, eligibility, documentation for PMAY scheme - 2024

5 Things You Need to Know Before Foreclosing a Loan

Foreclosing a loan is a significant financial decision that should be carefully considered.

7 Things Same-Sex Partners Should Consider Before Applying for a Home Loan

Explore the benefits, calculate interest rates, apply online easily | Joint home loans

How to Choose the Right Home Loan Tenure?

Short-term loan or long-term loan? Read to find out what’s ideal for you

How to Get a Business Loan for Better Cash Flow

Explore MSME loan impact on cash flow management and growth strategies. Secure low-interest loans for your business today

6 Common Business Loan Myths: Discover the Facts

Demystified: EMI, Loan tenure, interest rates, collateral | Godrej Capital | Apply online

Old Tax Regime vs. New Tax Regime – Which Tax Regime is Better for Income Tax Return Filing?

Learn about the key differences between the new tax regime and the old tax regime with this blog and make informed decisions before filing ITRs.

How to Submit Income Tax Return Online?

Step by step process to submit ITR for assessment year 2024-2025

Loan Against Property - EMI Calculator, Features & Benefits

Calculate EMI on Loan Against Property in a few simple steps

How to Download MSME Certificate?

MSME Certificate helps identify a Micro, Small, or Medium business based on size, and promotes and supports MSMEs.

Smart Borrowing Tips for Quick Loan Approval

Apply for a loan and get a quick loan approval to make a significant difference in achieving your financial goals.

How Loan-to-Value Shapes Your Home Buying Experience

LTV determines the down payment on the home you are buying. Find out how

Facts about Loan Against Property that you should know

Mortgaging your property is an important decision. Understand how LAP works

How EMI Calculators Simplify Loan Evaluation and Budget Planning?

Check out simple ways to calculator your EMI for home loans, business loans, loans against property, and more.

2024 Money Moves: Is Your Business Ready for a Loan?

Achieve your business goals in 2024 with well-planned loans

Role of Financial Planning: ITR for a Business Loan

Planning to apply for a business loan? Know how Income Tax returns can affect your application.

Earn Rewards on EMI Payments - Know All About BizRewards

Your EMI payments can earn you rewards. With Godrej Capital business loans, you get rewarded for timely EMI payments.

What Can You Do To Improve Your Credit Score

Boost your credit score with simple steps! Pay bills on time, reduce debt, and diversify credit. Discover actionable tips for a healthier credit profile.

How to reduce interest payment on Home Loan?

Learn valuable tips and techniques to lower your interest payments on your home loan and achieve financial freedom.

Know the Difference Between Credit Score and CIBIL score

Understand the difference between Credit Score and CIBIL Score. Learn how each affects your financial health and make smarter decisions for a better credit future.

Maximising Tax Benefits: Navigating the World of Joint Home Loan Ownership

Learn the art of maximizing tax benefits by effectively managing joint home loan ownership with our expert advice.

Looking to Check Your CIBIL score? Here’s How You Can Do It Easily

Discover a hassle-free way to check your CIBIL score and gain valuable insights into your credit health.

Loans for MSMEs – List of Advantages

Business loans for MSMEs comes with a myriad of advantages. Access full list here.

Eligibility and Documents Required for MSME Certification

Here’s a simple list of eligibility criteria and required documents to get a business certified as an MSME.

Is ITR for Home Loan Required? - 2024

Get clarity on the necessity of filing an ITR for a home loan in 2024 through our informative website.

Looking to obtain a Business Loan? Avoid these 7 mistakes.

Explore the path to securing a business loan with confidence. Learn how to navigate the process wisely by steering clear of these 7 common mistakes. Elevate your chances of approval and financial success with our essential guide.

A Comprehensive Guide to Business Loan Against Property: Everything You Need to Know

You can increase your home loan eligibility by having a good credit score, opting for a joint home loan, and making a higher down payment.

Is Your Business Loan a Load?

Looking for information on business loans? Our comprehensive guide covers everything you need to know about business loans, including different financing options, the loan application process, eligibility criteria, types of business loans available, interest rates, repayment terms, and business loan requirements. Explore this definitive guide to make informed decisions and secure the financing you need for your business.

What Are Semi-Fixed Home Loans?

A semi-fixed interest rate on a home loan offers the advantage of stability during the fixed rate period, coupled with the potential benefits of a floating rate after the initial tenure. Thus, choosing a semi-fixed interest rate can provide borrowers with a favourable and well-rounded borrowing experience.

Everything you need to know about Business Loans – A definitive guide

Looking for information on business loans? Our comprehensive guide covers everything you need to know about business loans, including different financing options, the loan application process, eligibility criteria, types of business loans available, interest rates, repayment terms, and business loan requirements. Explore this definitive guide to make informed decisions and secure the financing you need for your business.

Smart Tips to Boost Your Home Loan Eligibility

You can increase your home loan eligibility by having a good credit score, opting for a joint home loan, and making a higher down payment.

Lease Rental Discounting: All You Need to Know

Lease Rental Discounting (LRD) is a unique financial instrument that empowers commercial property owners in India to leverage the rental earnings from their assets to secure term loans.

All About Home Loan Balance Transfer - You Asked, We Answered!

Home Loan balance transfer refers to transferring your outstanding loan to a new lender. Here are some FAQs related to transfer.

Loan Against Property vs. Other Loans

: Apply for a loan after carefully reviewing each loan type to align with your specific financial needs.

Wondering What Affects Your Home Loan Rate of Interest? Let’s Find Out (Part II)

Repo rate, inflation, retail prime lending rate and marginal cost of fund-based lending rate are some macroeconomic factors that influence Home Loan interest rates.

Ready to Avail Home Loan Balance Transfer? Leap over these Hurdles for a Seamless Experience

Availing of a Home Loan Balance Transfer is a profitable deal. However, during the process you may encounter certain hurdles commonly faced by borrowers. In this article, learn which are the Top 3 hurdles in availing Home Loan Balance Transfer and how you can overcome them.

A Guide on Home Loan Balance Transfer

Home loan borrowers avail Home Loan Balance Transfers to lower their interest rates and save on EMIs.

Business Hustle : Top Successful MSME businesses

Know more about the MSME sector, businesses and government aid. Understand the various benefits of loan against property to help your business grow 3x times.

Glossary: A Guide to Most Used Terms in Loan Against Property

Know more about the terms used in Loan Against Property. What is credit score, creditworthiness, legal charges? Read to know more.

All About Loan Against Property: You Asked, We Answered

Find the answers to all your questions about Loan against Property here. Know more about how to avail loan against property without income proof, loan against property interest rates, loan against property eligibility here.

Give Your Business a Boost with LAP

Know more about the common challenges faced by SMEs in India. Read about the benefits of Loan Against Property for SMEs.

You Asked, We Answered

Know more about Loan Against Property Tenure, important factors about loan against property, loan against property with ITR and more.

Unlock Maximum Value with Loan to Value Ratio

Know more about Loan to Value Ratio and its importance in growing your business

Top Business Loans for Women in MSME

Know more about the top 6 best business loans for women in India. Understand the various benefits of loan against Property, Mudra Yojana Scheme, Dena Shakti Scheme, Annapurna Loan and more.

Understanding Loan Against Property: In conversation with Jay & Veeru

Loan against property is a secured mode of finance where lenders disburse funds based on the property mortgaged. It’s essential to choose a credible lender who offers a competitive rate of interest and flexible repayment terms.

Common Mistakes to Avoid While Borrowing LAP

Know more about everything you need to know before opting for a Loan Against Property today. Read about Interest Rate, Tenure of Loan, Credit Score, Repayment Options and more here.

Confused Between Secured and Unsecured Loans? Let us simplify this for you!

A secured loan is backed by collateral, whereas an unsecured one doesn’t need any collateral. The loan amount is higher in a secured loan than an unsecured one.