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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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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Business Hack #1: Give Your Business a Boost with LAP

many reports indicate that apart from operational and infrastructural challenges, there is an existence of systemic challenges that have led to the MSME credit gap. Post the pandemic, this need has burgeoned.

Today, of more than 63 million MSMEs, 80% of them lack access to formal financing. With an estimated credit gap for MSMEs running into trillions of rupees, NBFCs, and alternate financing solutions must rise to the occasion to provide financial aid to MSMEs to succeed and contribute to the Indian economy.


MSMEs or Micro, Small, and Medium Enterprises (MSMEs) have become the most active areas of the Indian economy. Often associated with the rural and semi-urban region development, this sector has been long creating employment opportunities at lower capital costs ensuring equitable employment opportunities and income distribution.


Despite their contribution to the economy, many reports indicate the systemic challenge of credit gap.

Is your business, too, facing a credit challenge? Well, in this article we address your credit concerns and enlist the benefits of Loan Against Property that will boost the growth of your business venture.


Read on.


Among other loan options offered by lenders in India, Loan Against Property (LAP) remains one of the most popular products for Small and Medium Enterprises. Loan Against Property is a type of loan in which a borrower can avail of funds by keeping the property as collateral with the lender. The feature that makes Loan Against Property advantageous is that the borrower can continue to occupy the property during the tenure of the loan.


Usually, a borrower can get up to 80% - 90% of the property as a loan depending on the Lender. However, there are various aspects basis, such as type of property (commercial or residential) or status of the property (self-occupied, unoccupied, or rented), which determines the loan amount you shall receive. Residential properties generally get more LTV (Loan to value – loan offered against the property's value) than commercial properties. Similarly, financial institutions provide a relatively higher LTV over a rented property for a self-occupied or unoccupied property.


LAP is one of the most popular loan options because it allows business owners to borrow a large sum of funds for various professional needs.




  • Loan Against Property allows the borrowers to avail of large amounts of funds compared to other conventional loans

  • The rate of interest offered in Loan Against Property is lower since it is a secured loan

  • Borrowers can avail of longer tenures from 15 years to 25 years to repay the loan to the lender

  • The end use of the funds can be directed towards any purpose other than speculatory/illegal activities

  • The lenders offer flexible repayment options in line with the business owner’s revenue-expenditure cycle

  • There is greater flexibility to borrow funds against diverse properties


Many SMEs depend on an unsecured business loan to obtain the money they require for expansion and urgencies. If you own a small or medium-sized business, you know it needs ongoing cash infusions to remain viable and expand. However, business loans frequently have exorbitant interest rates, making it difficult for industrialists to repay the borrowed money.


What might be the ideal substitute for business loans for SMEs to obtain the required funds? When you need money for your business but don’t want to pay such a high price or seek other options, we have you covered!


Loan Against Property (LAP) is just the option for you! Here’s why you should choose LAP for the growth and expansion of your business:


Benefit #1: Lower Rate of Interest
Loan Against Property interest rates is low than other business loans. Your EMI payment will not be a burden on your everyday business expenses.


Benefit #2: Longer Repayment Tenure
Apart from lower interests, with Loan Against Property, you can repay the loan within 20 to 25 years, depending on the lender. The EMI will be smaller as the duration extends, providing you with enough loan payback time. You may think about prepaying the loan and paying off the total amount sooner if your company has significant financial success throughout the loan term. Repaying a tiny amount wouldn’t affect your ability to maintain liquidity. One of the most significant benefits of Loan against Property is flexibility in the payment. Your EMI payment will not pose a burden on everyday business expenses.


Benefit #3: Quick Access
In business, emergencies can happen anytime, especially involving money. Suppose you require new equipment or upgrade the old ones and need additional funds quickly. Applying for a Loan Against Property can be highly responsive in this situation as most lenders have a quick online sanction and approval process.


Benefit #4: Unrestricted End-Use
One of the most amazing benefits of LAP is the flexibility with the final use of the cash. It can be used for the following:


  • Purchase of new commercial property

  • Business expansion

  • Plant machinery acquisition

  • Debt repayment

  • Project financing

  • Paying employees’ salaries

  • Overseas business trip funding

  • Meeting miscellaneous business expenses


Benefit #5: Easy Documentation
Most lenders require minimal documentation before sanctioning the loan. The paperwork is usually excessive when it comes to business loans. But with a Loan against Property eligibility, you can enjoy minimal paperwork and easy documentation.


Loan Against Property is the most beneficial option for a business owner because of repayment flexibility, lower interest rates, and unrestricted end-use. LAP has proven to be one of the most useful loan options for SMEs in India. Understand the different types of loans available and the nitty-gritty of Loan Against Property before you opt for the loan.


Godrej Capital through its subsidiaries, Godrej Housing Finance and Godrej Finance, offers products such as Home Loans, Loans Against Property, Balance Transfers, and many more. To know more about our offering, click here


Disclaimer: The names used in this article are fictitious and are used for representational purposes only.


The contents of this article is for information purpose only. 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 taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.