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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Lease Rental Discounting


Want to leverage your rental earnings to get a loan? We offer industry-best loan-to-value Lease Rental Discounting, allowing you to explore new business opportunities, fund personal expenses, or even pursue higher education. Unlock the value of your assets without selling them.


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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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Clear up common misunderstanding of Business Loans

6 Common Business Loan Myths: Discover the Facts

In the vibrant realm of entrepreneurship, business loans play a pivotal role in fueling growth and expansion. However, amidst the buzz, several myths often cloud the decision-making process. Let's clear up these confusions and learn the facts about loans. This will make it easier for businesses to get the right support, opening new opportunities for success.


Myth 1: Applying Online Is a Hassle


Some people think applying for a business loan online is hard, like solving a puzzle. But it's not true! It's actually easy and saves you time. With just a few clicks, you can build on your business dreams without dealing with the burden of paperwork. Think of it like ordering your favourite pizza online – quick and simple!


Click here to apply online for Godrej Capital Business Loan


Myth 2: Only credit score matters


While lenders do consider your credit score closely, they also take into account other significant factors when assessing your loan application. These factors include income proof, income tax returns, educational qualifications, citizenship, etc. Although having a good credit score is advantageous, many lenders recognize that individuals aren't faultless. Certain lenders extend loans to small and medium businesses, even if your credit score isn't top-notch. Therefore, there's no need for excessive concern – options exist for everyone!


Also Read: What Can You Do To Improve Your Credit Score?


Myth 3: Low Interest Rates are a Myth


Guess what? Low interest rates are not a myth – they are real! Some people think it's impossible to get a loan with a low interest rate, but that's not true. Many lenders offer good and competitive rates. Sometimes your choice of the loan for your business growth also matters. For example, you can get lower interest rates on business loans that are secured against a collateral, like Godrej Capital Udyog Loan Against Property option. A secured loan like Udyog LAP or Business LAP will help you obtain a loan against a variety of collaterals, such as a plot, commercial property, or residential property. It offers lower interest rates as compared to an unsecured business loan option, and offers higher eligibility with multiple income sources being considered.

Some lenders also offer Overdraft Facility. It's like having extra cash instantly available when your business needs it most. With no fixed repayments, you only pay back what you use, making borrowing flexible and stress-free. It’s easy, flexible, and hassle-free borrowing to keep your business moving forward.


Also Read: How Can Overdraft Facility Support Your Business?


Myth 4: Business Loans are not Gender Neutral 


This one is just not true! Business loans are not only for men. Mostly, all loans are gender neutral. In fact, some lenders these days offer specialised loan offerings for women entrepreneurs. These loans are made to support and help women-led businesses. Even the Indian government has launched women-centric schemes like Mudra Loan for women and  Annapurna Scheme, among others. You can explore loans at discounted rate, flexible repayment plans, and more.


Also Read: Top Business Loans for Women in MSME


Myth 5: EMI Payments Are Set in Stone


Some people think that paying back a loan is strict and inflexible. But it doesn't have to be! Many lenders understand that businesses have ups and downs. They let you be flexible with your payments. It's like having a dance partner who adjusts the steps based on the music – making it easier for your business.

For example, Godrej Capital Business Loans come with a feature called, Design Your EMI. This feature lets you make your own EMI plan so you can better manage your finances as per seasons and cashflow availability.


Myth 6: Collateral-Free Loans are a Fairy Tale


Indeed, it's a fact—obtaining a loan without the need for valuable collateral is possible. Many lenders offer loans without requiring any form of security. While it may seem like a miraculous solution, it's actually a pragmatic approach aimed at streamlining the loan application process for businesses. In cases where you lack property to use as collateral, you have the option of applying for a Business Loan. This loan doesn't require collateral and provides competitive interest rates along with flexible repayment terms, allowing you to address your business requirements effectively.

In essence, collateral-free loans mean that you don't have to mortgage any assets, like property or valuable belongings, to get the financial support you need. Traditionally, loans often involved putting up something valuable as security, making it a risky venture for some business owners. However, with collateral-free loans, the focus shifts to the financial health and credibility of your business rather than tying up your assets.


To sum it up, understanding these truths about business loans opens many possibilities. Apply online with confidence, no matter your gender. Embrace good interest rates, even if your credit score is not perfect. Experience flexible payment plans and forget about needing collateral. It's time to see business loans in a new light, making your journey to success easier. Remember, in the world of business loans, you have more possibilities than you might think. Go ahead and make your business thrive! Click here to apply now.


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