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


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

The quest for equality and inclusivity is gradually transforming various sectors in India, including financial services. For same-sex couples, accessing Home Loans has been a complex issue shaped by evolving legal frameworks and institutional policies. As India progresses towards greater acceptance and recognition of LGBTQIA+ rights, it's essential to explore the current landscape of Home Loans for same-sex couples in the country.


Legal Landscape in India

In India, the landmark ruling on Section 377 marked a significant victory for LGBTQIA+ rights. Despite this, the lack of legal recognition poses challenges for same-sex couples seeking joint financial products, including Home Loans. While joint Home Loan applications are generally accepted, the question remains - can same-sex couples apply for a joint Home Loan in India?


Financial Institution Policies

The policies of financial institutions in India vary widely when it comes to providing Home Loans for same-sex partners. Major banks and progressive lending institutions are gradually adapting to the changing social landscape by offering more inclusive policies. Institutions such as Godrej Capital recognize the importance of catering to a diverse customer base and accommodating the financial needs of same-sex couples.


Same-sex couples should make sure to seek out reputable lenders. With Godrej Capital,  same-sex partners can confidently proceed and apply for a Home Loan.


Also Read: Home Loan for Same-Sex Partners – A Loan That Does Not Differentiate


Documentation and Application Process

For same-sex couples in India, the Home Loan application process involves several steps. Each partner must provide standard documentation, including proof of income, credit history, and identification. 


Tips for Same-Sex Couples Applying for Home Loans in India


  1. Research Lenders: Look for banks and financial institutions with clear non-discrimination policies and a history of supporting LGBTQIA+ customers.
  2. Seek Professional Advice: Consulting with financial advisors or legal professionals who specialize in LGBTQIA+ issues can help navigate complex scenarios.
  3. Know your Rights: Familiarize yourself with laws and regulations regarding same-sex relationships and financial rights.
  4. Prepare Documentation: Ensure all necessary documents, including proof of income, credit history, and identification, are in order before applying.
  5. Stay Informed: Keep up with changes in legislation and financial policies that could impact your eligibility and rights.


Also Read: 7 Things Same-Sex Partners Should Consider Before Applying for a Home Loan


Godrej Capital Home Loan for Same-sex Partners

At Godrej Capital, diversity, equity, and inclusion are fundamental values guiding its operations. Believing everyone deserves homeownership, regardless of gender or sexual orientation, Godrej Capital offers Home Loans for Same-Sex Partners. This is an effort to exemplify commitment and create an inclusive environment for everyone. Some of the key features of Godrej Capital Home Loan for same-sex partners are:


  • Competitive Interest Rates - Commencing at 8.55%: Godrej Capital Home Loan offering starts with competitive interest rates, demonstrating a commitment to easing the financial strain on same-sex couples on their homeownership journey.
  • Higher Loan Limits - Up to 10 Crores: Godrej Capital recognizes the diverse aspirations of same-sex couples and provides substantial loan limits, allowing couples the financial freedom to choose homes that align with their dreams and lifestyles.
  • Quick Sanctions and Disbursals: Godrej Capital has an efficient loan process. Borrowers can experience prompt sanctions and disbursals, with loan eligibility confirmation within just 24 hours, streamlining the path to homeownership.
  • Higher Loan Tenures: To ensure manageable monthly payments, Godrej Capital offers longer loan repayment tenures, reducing the EMI burden and providing borrowers with the flexibility to structure their loans according to their financial goals.
  • Customizable EMIs - Flexible Repayment Structures: Godrej Capital Home Loan for same-sex partners allows for a high degree of personalization in repayments. Borrowers can tailor their repayment schedules to align with their unique financial goals, opting for interest-only payments for select quarters or up to 12 months, thus reducing the monthly EMI burden.


Did you know? When applying for a Home Loan, you can use a Home Loan EMI calculator to understand your EMIs and plan your finances better. Applicants can even check their Home Loan eligibility using an eligibility calculator.


  • Full Moratorium - Up to 12 Months: Godrej Capital offers a full moratorium of up to 12 months, providing temporary relief during challenging times and acknowledging the dynamic nature of life and financial circumstances.
  • Semi-Fixed Interest Rate - Fixed for 3 Years: Godrej Capital offer a semi-fixed interest rate on Home Loans, giving borrowers predictability in the crucial initial three years of the loan, providing a secure foundation for financial planning.
  • Parallel Funding for Down Payment Ease: To ease the financial burden of down payments, Godrej Capital offers innovative options such as Parallel Funding, allowing borrowers to make down payments in parts on a pro-rata basis, ensuring the homebuying process remains financially manageable.


Also Read: Inclusive Lending: Loans for Same-Sex Partners


While significant strides have been made, the journey towards full financial equality for same-sex couples in India is ongoing. As India continues to advocate for and embrace diversity, the financial sector is also evolving to ensure equal access and fair treatment for all individuals, regardless of their sexual orientation. By staying informed, seeking supportive institutions, and advocating for rights, same-sex couples can navigate the Home Loan process and achieve their dream of homeownership.


Owning a home brings joy, security, and shared dreams. Godrej Capital’s Home Loan for Same-Sex Partners is more than just a financial offering; it is a commitment to breaking barriers and empowering same-sex partners on their homeownership journey.


Related FAQs:

  1. Can two people take a Home Loan?

    Yes, two people can take a home loan together. This is known as a joint home loan, and it allows both applicants to share the financial responsibilities and benefits of the loan.

  2. Who pays EMI in a joint Home Loan?

    In a joint Home Loan, if Borrowers agree, both co-applicants can repay the EMIs. 

  3. Can couples get a joint Home loan?

    Yes, couples can apply for a Home Loan and get a joint Home Loan in India.

  4. What documents are required for a joint Home Loan?

    For a joint Home Loan in India, both applicants typically need to provide identity proof, address proof, income proof, and property documents. However, document requirements may vary based on the lender's requirements.

  5. Does a joint Home Loan affect the credit score of both applicants?

    Yes, a joint loan can positively impact both applicants' credit scores if payments are made on time and the loan is managed responsibly.


Disclaimer: The contents of this article are for information purposes only and not a financial advisory. The information is subject to update, 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 decisions, financial or otherwise based on the contents and information mentioned. For more information, please visit