Home Loans

Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.

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.

Balance Transfer

With our Balance Transfer option you can transfer your existing home loan to Godrej and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.

Plot Loans

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.

Business Loans

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!

Commercial Property Loans

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.

Knowledge Centre

articles and stories

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

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.

You Asked, We Answered

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

Manage Your Cash Flows with Optimal Tenure

Know more about Loan Against Property Tenure, Importance of Loan Against Property Tenure, Factors affecting Loan Against Property Tenure and more.

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.

Unlock Maximum Value with Loan to Value Ratio

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

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.

Fund your Dreams with these Financial Assets

Know more about Loan Against Property, loan against Gold, Loan against PPF, Loan against FD, Loan against Mutual Funds and more. Read to know more.

Growth Season: 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.

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.

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.

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.

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.

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.

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.

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.

Face Off: Should I opt for Loan Against Property & How is it better than other loans?

There are many loan offerings available in the market today. Know about various loan products, their features, and how Loan Against Property is the most viable option of all.

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.

You Asked, We Answered

Know more about the best business ideas, business loans. MUDRA loan, loan against property interest rates and more.

New Trends to Watch Out For: Enhancing Small Business Industry

Know more about the upcoming trends in finance, technology and marketing that can redefine the SME space.

Penny Saved is Penny Earned: A Guide on Home Loan Balance Transfer

Home Loan balance transfer is the process of transferring the outstanding home loan from your existing lender to a new lender.

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.

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.