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!


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MSME Certification

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

Thinking about starting a small business in India? You must have heard the term: MSME. MSME stands for Micro, Small and Medium Enterprises and are known to be the lifeblood of the Indian economy.  


But navigating the world of MSME classification, loans, and registration can feel overwhelming. Fear not, entrepreneur! This blog is your one-stop guide to understanding the latest MSME classification system in India. 


What are MSMEs? And, why do they matter?

MSMEs are micro, small, and medium-level businesses that play a giant role in creating jobs and driving economic growth in India. To support these vital businesses, the Indian government offers special benefits and schemes.


Understanding the New and Simpler MSME Classification System

The MSME classification system has been streamlined for your ease. Now, it only considers two main criteria:

  • Turnover: Your annual sales revenue.
  • Investment in Plant & Machinery: The cost of equipment used in your business.


There are three main types of MSMEs. Here's a Breakdown - 



Investment in Plant & Machinery

Micro Enterprise

Up to INR 5 crore

Up to INR 1 crore

Small Enterprise

Up to INR 50 crore

Up to INR 10 crore

Medium Enterprise

Up to INR 250 crore

Up to INR 20 crore


Key Features of MSME Classification System

  • Simpler & Inclusive: This system is easier to understand and applies to both manufacturing and service-based businesses.
  • Increased Limits: Higher turnover and investment caps allow more businesses to qualify as MSMEs and enjoy the benefits.
  • Growth-Oriented: This system encourages businesses to expand without losing their MSME classification and its advantages.


Benefits of MSME Registration: Unlocking Resources for Your Business

It’s important for MSME owners to register their business on government’s portal, UDYAM. With UDYAM registration, you can explore many government schemes and benefits. 


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


Other benefits of MSME registration are:

  • Easier Access to Loans: You'll be eligible for special MSME loan schemes with from financial institutions.
  • Government Support: Gain access to government subsidies and grants specifically designed to help MSMEs thrive.
  • Exclusive Opportunities: Participate in government tenders reserved for MSMEs, opening doors for new business possibilities.


Hassle-Free MSME Registration

The MSME registration process is conveniently done online. You can register yourself and download MSME certificate. Another way is to seek professional assistance that can explain you how to register MSME and download MSME certificate.


What is MSME Certificate?

The Ministry of Micro, Small and Medium Enterprises issues an MSME certificate, which legally recognizes businesses falling under the micro, small, or medium enterprise categories. This certificate enables businesses to access a range of government incentives and schemes tailored to support their growth and development.


Also Read: Eligibility and Documents Required for MSME Certification 


How to Get Loan for Small Business?

One way to meet small business capital requirement is to apply for loans focused for MSME growth. Numerous financial institutions offer loans for small businesses or loans for MSMEs. With your MSME classification certificate in hand, you'll be eligible for these special MSME loan programs, providing the financial boost you need to grow business quickly.


At Godrej Capital, there are two types of MSME loans options that you can explore.

  1. Secured loans: These small business loans accept a collateral in exchange for lower interest rate on loan. You can mortgage your property or land to get loan amount and fund your business. These types of loans (also called mortgage loans sometimes) have affordable interest rate and provide benefits like Flexible repayment options. Example of secured loans are Loan Against Property and Udyog Loan Against Property.
  2. Unsecured loans: These types of loans do not need collateral. It is suitable for those who do not have a property to mortgage. At Godrej Capital, explore Business Loans for tailor-made loan solutions. With Business Loans, you can get small business funding and scale your business. 

    Some of the benefits of this loan type include flexible repayment options and BizRewards for timely repayment.


One of the distinct facility that Godrej Capital offers with its loans for business is Flexi Funds. Flexi Funds is an overdraft-like facility that gives you a pre-sanctioned limit. You can withdraw and repay funds as per your requirement. 


The best part of this facility is that the interest is charged only on the funds utilised. This facility lets you avoid loan process everytime you need funds. With this facility, you will be able to access funds anytime you face a business requirement.


Also Read: 8 Advantages of Business Loans for MSMEs


How to apply for MSME Loan?

Before applying for MSME loan, it’s paramount to choose a reputed and trusted lender. You can further enhance your research by exploring the benefits and loan features they provide, and by comparing loan tenure, loan amount, customer support, and other features. Nowadays, many lenders offer you the convenience to apply for a loan online.  


Godrej Capital provides hassle-free loan process with minimal paperwork and hands-on support. Click here to apply now for MSME loan.



The contents of this article are for information purposes only & not a financial advisory. For more details, please refer to the product or service document and/ or connect with our customer representative prior to making any financial decision. 


The information is subject to update, completion, revision, and amendment and may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Godrej Capital or its Affiliates to any requirements. 


Godrej Capital or its Affiliates shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.


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