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

First time Home buyer guide

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

Congratulations! You've decided to take the exciting leap into homeownership. Whether it's a cozy condo or a spacious bungalow, buying your first home is a significant milestone. But with so much information swirling around, the process can feel overwhelming. 


Fear not, there’s a first for everything! This guide will equip you with everything you need to know about buying a home in 2024 - from getting your finances in order to navigating the loan application process.


Financial Fitness First

Before diving headfirst into listings, take a good, honest look at your finances. Here's what you need to consider:

  • Down payment: This is the upfront amount you pay towards the home's purchase price. Aim for at least 20% as most lenders offer loan-to-value of up to 80% - 90% of property’s value. Imagine you're eyeing a INR 50 lakh apartment. A 20% down payment translates to INR 10 lakh, leaving INR 40 lakh to finance with a home loan.
  • Home loan eligibility: Lenders assess your eligibility based on your credit score, income, and existing debt. A healthy credit score (ideally above 750) and a stable income boost your chances of securing a favourable loan.
  • Budgeting for beyond the down payment: Remember, buying a house goes beyond the purchase price. Factor in closing costs (registration fees, lawyer charges etc.), property taxes, and homeowners’ insurance into your monthly budget. Let's say your estimated EMI (Equated Monthly Installment) is INR 30,000. Don't forget to account for potential maintenance costs and property taxes when creating a realistic budget.


Also Read: Smart Tips to Boost Your Home Loan Eligibility


Teaming Up: Apply for a Joint Home Loan 

Considering buying with your significant other? A joint home loan in India can be a great way to increase your borrowing power and potentially qualify for a better interest rate due to a combined higher income and potentially stronger credit score. 


For instance, if your partner has a stellar credit score and a good income, it can significantly improve your joint application's chances of approval compared to an individual application. Remember, with a joint loan, both partners are equally responsible for the repayment. Additionally, you can avail of joint home loan tax benefits too.


Exploring Home Loan Options

Now that you understand your financial standing, it's time to delve into the world of home loans. Here are key things to consider:

  • Home loan interest rates: Interest rates significantly impact your overall loan cost. Shop around and compare rates offered by different lenders. Utilize online home loan EMI calculators to estimate your monthly EMI payments based on different interest rates and loan terms.
  • Instant home loan & online application: Many lenders offer faster processing times and convenient online applications. This can expedite the loan approval process, allowing you to act quickly on your dream home.
  • Ready-to-move-in vs. under-construction properties: Ready-to-move-in properties allow you to move in sooner but may cost slightly more. Under-construction properties can offer a lower price tag, but come with the risk of delays. Choose the option that aligns best with your timeline and risk tolerance.


Home Loan Documents Required & Application Process

Once you've chosen a lender and loan type, gather the required documents, which typically include:

  • Proof of income (salary slips/ITR returns)
  • Identity proof (PAN card/Aadhaar card)
  • Address proof (utility bills/rental agreement)
  • Property documents (if applicable for under-construction property)

The home loan application process typically involves submitting the documents, undergoing a credit check, and finally, loan approval.


Advantages of Buying a House and the Role of a Home Loan

There are numerous benefits to owning your own home. You build equity over time, have more control over your living space, and potentially enjoy tax relief on home loan repayments. However, remember, a home loan is a long-term commitment. Always borrow responsibly and ensure your EMIs fit comfortably within your budget. Avoid overextending yourself financially.


Also Read: New Tax Regime vs. Old Tax Regime: Know the Difference & Effect on Home Loan


Beyond the Basics: Foreclosure & Prepayment

While it's important to celebrate your homeownership journey, be aware of potential challenges. Familiarize yourself with home loan foreclosure procedures in case of unforeseen circumstances impacting your ability to repay the loan. 


Additionally, explore home loan prepayment options offered by your lender. Prepaying a portion of your loan can help you save on interest costs in the long run.


Also Read: 5 Things to Consider Before Prepaying Home Loan


Home Buy Tips 

With a clear understanding of your finances, loan options, and the application process, you're well-equipped to embark on your homeownership adventure. Remember, knowledge is power. Utilize online resources, consult financial advisors if needed, and don't hesitate to ask questions throughout the process. 


Here are some additional tips to make your journey smoother:

  • Get Pre-Approved: Securing pre-approval from a lender strengthens your offer and gives you a clear idea of your borrowing capacity. Imagine you find your dream home priced at INR 70 lakh. With a pre-approval of INR 60 lakh, the seller knows you're a serious buyer and you'll understand your maximum loan offer.
  • Work with a Real Estate Agent: A good real estate agent can be your partner in navigating the complexities of the market. They can help you find properties that match your needs and budget, negotiate offers, and guide you through the legalities of the buying process.
  • Home Inspection is Key: Don't skip the home inspection! A qualified inspector can uncover any potential structural issues or hidden problems with the property, saving you from costly repairs down the line.
  • Be Patient & Persistent: Finding the perfect home takes time. Don't rush into a decision. Be patient, persistent, and stay focused on your criteria to find the property that truly aligns with your needs and aspirations.

By following these tips and conducting thorough research, you'll be well on your way to achieving your dream of owning your own piece of paradise.


Financing Your Dream with Godrej Capital Home Loans

Now that you're armed with the knowledge to confidently navigate the home buying process, it's time to explore financing options. Godrej Capital Home Loans can be your trusted partner on this exciting journey.


Godrej Capital offers a wide range of Home Loan products designed to cater to your specific needs and aspirations. Whether you're a first-time homebuyer seeking a loan for a ready-to-move-in property or an experienced investor looking to finance an under-construction project, Godrej Capital has a solution for you.


Here's what makes Godrej Capital Home Loans stand out:

  • Competitive Interest Rates:  Explore affordable interest rates to make homeownership a reality.
  • Flexible Repayment Options: Understanding that financial situations can evolve, Godrej Capital provides flexible repayment options, including features like 'Design your EMI,' which allows you to start with lower EMIs for a specific period.
  • Seamless Online Process: Their user-friendly online platform allows you to initiate your application, upload documents, and track the progress of your loan application conveniently.
  • Joint Home Loan Benefits: Considering a joint home loan with your spouse? Godrej Capital understands the power of teamwork and facilitates a smooth joint application process, potentially unlocking better interest rates based on your combined financial strength.
  • Zero Touch Home Loan Process: Godrej Capital pioneered zero touch home loans and offer seamless digital loan process. With a quick turnaround time, the lender ensures an easy and hassle-free process with minimal documentation.


Ready to take the next step? Apply now for Home Loan

With Godrej Capital by your side, you can transform your dream of homeownership into a beautiful reality.


Also Read: A Complete Guide to Home Loan Management


Disclaimer: 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.


Financing through Godrej Finance/Godrej Housing Finance Limited. Product Terms & Conditions apply, for details visit