Loan Against Property


Godrej Capital's Loan Against Property (LAP) is designed to support business growth with high loan eligibility, flexible EMIs, longer tenures, and a wide range of acceptable collaterals. This loan provides substantial funding based on property value, making it ideal for significant business investments and expansions.


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.


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. Apply today for a collateral free loan today!


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. Apply today for a collateral free loan today!


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

Professional Loan for CAs


Godrej Capital's Professional Loan helps CAs in expanding practice, hiring new staff, enhancing equipment, and upgrading services for business growth. Get a loan without collateral and take your career to new heights.


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

Business Loan for MSMEs


For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!


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

Business Loan for Women


Are you a woman entrepreneur? Godrej Capital's Business Loans for women-owned MSMEs help them fuel growth and meet business needs without any collateral. Apply for a small business loan today!


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

Business Loan


Empower your business with Godrej Capital's Business Loan, offering flexible financing solutions to help businesses take the next step for growth. Apply for online Business Loan without collateral today!


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

Knowledge Centre


Knowledge Centre


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

Loan Against Property Meaning and Commonly Used Loan Terminologies

Detailed explanation about Loan Against Property and commonly used Loan terminologies.

Business Loan – Frequently Asked Questions Answered

Frequently Asked Questions related to small-scale business ideas, tips for start-ups, SME, benefits of taking Business Loan, Mudra Loan.

Is Your Business Loan a Load?

Discover the best MSME loans for business growth and flexible repayment options.
Is Your Business Loan a Load?
Is Your Business Loan a Load?

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.

Eligibility and Documents Required for MSME Certification

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

Guidebook: Different Types of Business Loans in India

Various types of business loans are available to support the business growth and specific needs of business owners.
Guidebook: Different Types of Business Loans in India
Guidebook: Different Types of Business Loans in India

Professional Loans: Meaning, Features, Eligibility, Documents Required

Are you a self-employed professional with your own practice? Learn all about Professional Loan in this short guide
Professional Loans: Meaning, Features, Eligibility, Documents Required
Professional Loans: Meaning, Features, Eligibility, Documents Required

Home Loan: All You Need to Know

This comprehensive guide to Home Loan explores the various aspects of Home Loan that an applicant must know

How Can Businesses Be Ready for Festive Season?

Here’s how small business owners can leverage the upcoming festive season for business growth.
How Can Businesses Be Ready for Festive Season?
How Can Businesses Be Ready for Festive Season?

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

Secured loans for business offer low interest rates and higher loan amounts due to collaterals such as residential or commercial property.

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

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!

Benefits of filing Income Tax Return (ITR)

Here’s why everyone should file their ITR

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.

How to Choose the Right Home Loan Tenure?

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

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.

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!

Bad Credit Score and its Impact on Home Loan Eligibility

Are you wondering if your poor credit score will stand in the way of your home loan? Read this blog to find out.

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.

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

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.

Commonly Used Home Loan Terminologies

Knowing the common home loan terms can help you better understand home loans and make a wise decision
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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.

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.

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

How to Download MSME Certificate?

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

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

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.

Crisis Management: Can a Business Loan Help You?

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

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.

How Can I Grow My Business with Loan Against Property?

Small business growth in India often requires capital. Learn how a Loan Against Property can help you
How Can I Grow My Business with Loan Against Property?
How Can I Grow My Business with Loan Against Property?

What Affects Your Home Loan Interest Rate? (Part I)

Credit score, debt-to-income ratio, job profile, property location, and down payment amount affects Home Loan interest rates

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.

Loans for Business: How Godrej Capital Empowers MSMEs?

Loans for Business: How Godrej Capital Empowers MSMEs?

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…

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.

Can Same-Sex Couples Apply for a Joint Home Loan in India?

While generally joint Home Loan applications are accepted, the question remains - can same-sex couples apply for a Home Loan in India?

How Much Tax Benefit Can Be Availed on Loan Against Property?

Understand how you can get tax benefits on Loan Against Property and save on your EMI payouts.

Can I Take Multiple Home Loans?

Individuals may consider applying for multiple home loans, whether for investment purposes or to accommodate changing lifestyle needs.

Can You Use a Loan Against Property for Personal Expenses?

Loan Against Property can be used for various purposes but can you also use it for personal expenses? Find out in this blog post

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.

What is Loan Against Property? Features, Eligibility, Documents, and more

Loan Against Property is a secured type of loan where the borrower can mortgage property to borrow funds.

Udyog LAP vs. Udyog LAP Flexi Funds: What Should You Choose?

Wondering what’s best for your business cash flow? Find out the difference between Udyog LAP and Flexi Funds | Apply online
Udyog Loan Against Property vs. Flexi Funds
Udyog Loan Against Property vs. Flexi Funds

All About Loan Against Property: You Asked, We Answered

Have questions about tax, credit score, documents, eligibility, and more about Loan Against Property? Find answers here
All About Loan Against Property: You Asked, We Answered
All About Loan Against Property: You Asked, We Answered

How Does 'Design Your EMI' Provide Flexibility in 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.
How Does 'Design Your EMI' Provide Flexibility in Loan Repayments?
How Does 'Design Your EMI' Provide Flexibility in Loan Repayments?

Udyog Loan Against Property: Your Queries Answered

Also known as Micro Loan Against Property or Business Loan Against Property, Godrej Capital’s Udyog LAP is here
Udyog Loan Against Property: All You Need to Know
Udyog Loan Against Property: All You Need to Know

What Mistakes Should I Avoid When Applying for a Loan Against Property?

Steer clear of these mistakes when you decide to apply for a Loan Against Property.

Loan Against Property vs. Other Loans: Making an Informed Choice

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

Udyog LAP: Multiple Income Streams, Higher Loan Eligibility

Business Loan Against Property a.k.a Udyog LAP considers ALL your income streams for higher loan amount and flexible repayment

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

What is Loan to Value ratio (LTV) in a Loan Against Property?

Before you apply for a loan, understand what Loan to Value is, and why it is important

Top Successful MSME Businesses in India (2024)

Looking for new business ideas in India? In this guide, we explore unique business ideas that you can consider

Loan Against Property - EMI Calculator, Features & Benefits

Calculate EMI on Loan Against Property in a few simple steps

Home Loan Down Payment: Here’s What You Need to Know

How important is down payment in a Home Loan? Can you buy house without down payment? Let’s explore

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.

How Much Loan Should I Borrow for My Business?

The first step in deciding how much loan you should borrow is to understand why you need the loan.

Dairy Farm Loan in India: All You Need to Know

Dairy Farm Loan is an unsecured loan designed to help Indian farmers buy and maintain cattle.

Mudra Loan: Government Scheme for Business Loans

Learn how to apply for loan without collateral under Mudra Loan scheme by Government of India

Buying Under-construction Property? How Godrej Capital's Design Your EMI (DEMI) Can Help You

Enjoy the convenience of flexible EMI payments with Godrej Capital’s Design Your EMI for under construction property

How Much Home Loan Can You Get on an INR 1 Lakh Salary?

Loan amount eligibility depends on various factors. In this short blog, we discuss eligibility and more

How to Qualify for a Small Business Loan?

Understanding business loan eligibility criteria can significantly enhance a small business's chance to secure funding.

How Can You Get a Pre-approved Business Loan in India?

Pre-approved business loans show how much you can borrow and strengthen your position when negotiating with lenders.

Everything You Need to Know About Plot Loans

Plot Loan is designed for individuals who aspire to buy a plot of land and need financial assistance.

Top Professions Eligible for a Professional Loan in India

Explore Professional Loans for doctors and CAs and take your career to new heights

Exploring the Difference Between Secured Loans vs. Unsecured Loans

Before you apply for a loan, it's crucial to understand the differences between secured and unsecured loans.

Ready to Move into a New Home? A Home Loan with ‘Design your EMI’ Feature is All You Need

Buying a ready to move in flat? Enjoy flexibility in EMI repayments with Godrej Capital Home Loans; Design Your EMI feature

How to Get a Business Loan Without Collateral in India?

Know all about unsecured business loans in India - understand eligibility, application process, advantages and features.

Debunking the Myth: Is Business Loan Risky?

Business loans are often termed as risky. However, if used strategically, business loans can act as a helpful tool in driving growth and achieving business objectives.

How to Check Home Loan Eligibility?

Before you start house hunting, it's crucial to check your home loan eligibility to understand how much you can borrow.

Home Loan vs. Personal Loan: Which is a Better Loan Option for Home Renovations?

Home loans and personal loans are two common loan options for home renovations, each with its own set of advantages and disadvantages.

How to Build a Good Credit Score? Tips for Young Borrowers

Wondering how to increase credit score? Establishing a good credit score opens doors to better loan terms, higher credit limits, and a range of financial opportunities.

Buying a House in 2024? A Step-by-Step Guide for First-Time Homebuyers

Buying your first home? With this informative guide, be better prepared for your homeownership journey.

Zero-Touch Home Loans: Your Key to Homeownership

Experience digital loan process with minimal paperwork. With Godrej Capital, avail easy access and zero touch home loan

Solving the Top 5 Challenges of Availing Business Loans in India

Business loans are important for small businesses to expand their operations, invest in new technologies, and compete in the market.

Benefits of Lease Rental Discounting for Property Owners

Lease Rental Discounting (LRD) allows property owners to use their rental income to apply for a loan.

MSME Certification: What’s in it for your business?

Understand the latest MSME classification system, benefits of MSME registration for your business, and more.

Maximise Tax Benefits for Joint Home Loan

A joint home loan has many benefits that help you buy a home.

Funding for Small Business? Explore Government Schemes and Loan Options

This guide explores various government schemes for MSME funding and other ways to fund your business

What Are Fixed Home Loans? A Simple Explanation.

A fixed interest rate on a home loan offers the advantage of stability fixed interest rate during the tenure.

Top 5 Problems Faced by Women Entrepreneurs and How to Solve Them?

Are you a women entrepreneur? Learn about the common problems faced by women entrepreneurs in India and strategies to overcome them.

Seizing Opportunities: Short-Term Loans for Small Businesses

Short-term loans can provide the quick cash needed by small businesses or MSMEs to cover unexpected expenses.

Running a Seasonal Business? Learn How to Use a Term Loan for Maximum Benefits

Maximise business growth by availing benefits of a term loan. Learn all about term loans, its benefits, and more in this blog

Understanding the Meaning of Loan, Types of Loan, and Features

Learn all about different types of loan, their meaning, features and early repayment strategies.

Why Instant Loan Sanction and Disbursal is Important?

Understanding why instant loan sanction and disbursal is important for borrowers, in addition to key parameters such as loan amount, tenure, and interest rate.

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.

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.

The Power of Online Marketing for MSMEs

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

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.

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 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

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

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.

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

5 Expert Tips for Mastering Home Loan Balance Transfer

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

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 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

How to Submit Income Tax Return Online?

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

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

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.

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.

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.

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.

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.

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.