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


How Does 'Design Your EMI' Provide Flexibility in Loan Repayments?

In the fast-paced and ever-evolving financial landscape, flexibility in loan repayment is more important than ever. Being able to tailor your loan repayments to suit your individual needs can significantly reduce financial strain, allowing you to handle unexpected expenses and synchronize payments with your income cycles. Recognizing this need, Godrej Capital’s “Design your EMI" feature offers a revolutionary approach to loan repayment, putting the power in the hands of the borrower.


Design your EMI, commonly called the DEMI feature, empowers borrowers to customize their equated monthly instalments or EMIs based on their financial situation, offering a level of flexibility that traditional loan structures often lack. 


Let's explore how DEMI or Design your EMI works and why it's a game-changer for those seeking flexible loan repayment options.


What Are the Benefits of Flexibility in Loan Repayment?

Introducing flexibility in loan repayment has the potential to positively impact borrowers in a significant way. Here’s how:

  1. Improved Financial Planning: With the option to design their EMIs using DEMI, borrowers can align their loan repayments with their cash flow, making it easier to manage other financial commitments.
  2. Reduced Stress: Financial uncertainties can cause stress. Flexibility in loan repayment can act as a buffer, allowing borrowers to adjust their loan repayment schedules in response to emergencies or income fluctuations.
  3. Cost Savings: By choosing smaller EMIs during lean months and higher EMIs during surplus months, borrowers can potentially save on interest costs over the loan tenure.
  4. Customized Repayment: Every borrower's financial situation is unique. "Design your EMI" offers borrowers the flexibility to customize their loan repayment schedules, making it easier to meet individual financial goals.


How Does Design your EMI Work?

Godrej Capital's Design your EMI (DEMI) feature is designed to be user-friendly and accessible. Here's how it works:


Step 1: Loan Application - Borrowers apply for a certain type of loan from Godrej Capital, specifying their desired loan amount and loan tenure.


Step 2: EMI Design - Once the loan is approved, borrowers can use the ‘Design your EMI’ tool to customize their repayment schedule. They can choose to increase or decrease the EMI amount based on their financial capacity for a selected period.


Step 3: Approval - The customized EMI plan is submitted for approval. Once approved, the borrower's repayment schedule is updated accordingly.


Step 4: Repayment - Borrowers can make their customized EMI payments through various payment modes supported by Godrej Capital, ensuring a hassle-free repayment experience.


Did you know? Borrowers can use an EMI calculator to evaluate their loan repayment amount.


What Products Are Eligible for Design your EMI?

Godrej Capital's Design your EMI feature is available for a wide range of loan products, including:


  1. Home Loans: "Design your EMI" allows Home Loan borrowers to adjust their EMIs based on their income fluctuations or other financial needs.
  2. Loans for Businesses: Small businesses or MSME owners can benefit from the flexibility of customized loan repayment of their business loan EMIs as per their cash flow requirements and projections.


What is the Flexibility Feature in Godrej Capital Loans?

Flexibility is a key feature of Godrej Capital's loan offerings. Whether you need a Home Loan, Business Loan, Loan Against Property, Professional Loan, or any other type of loan, Godrej Capital provides flexible loan options to enhance convenience and ease the burden of repayments. 


These flexible loan offerings cater to your specific needs and financial goals, ensuring a hassle-free borrowing experience for individuals and businesses alike.


Also Read: Understanding Loan Repayments: A Simple Guide for Borrowers


Flexibility Feature in Secured Loans

Flexibility in secured loans can vary depending on the lender and the specific terms of the loan agreement. However, secured loans generally offer some degree of flexibility compared to other types of loans. Here’s how Godrej Capital offers flexibility in secured loan options:


Do you know?  Godrej Capital also offers Home Loan for same-sex partners. Click here to learn more.


Design your EMI in Home Loan:

Design your EMI in Home Loan offers different types of repayment flexibility. With DEMI, borrowers can:


  • For ready-to-move-in properties, choose to pay interest only for up to 12 months.
  • For under-construction properties, choose to pay interest only for up to 48 months.
  • Ensure your selected interest payment amount is above a minimum threshold and equal to or less than the actual interest payment. 
  • Opt for flexibility in interest amount being repaid in select periods to suit your financial capacity. Example: You pay INR 9,999 for 6 months, and INR 12,999 for the remaining months.
  • Combine interest-only loan repayment options with parallel funding offers across leading developers.
  • Use the amount saved during this period to cover rent or other essential expenses or for interior décor or other personal touches.


Design your EMI in Loan Against Property:

Design your EMI (DEMI) in Loan Against Property offers flexibility in repayment, where borrowers can:


  • Use DEMI to start off their repayment with smaller EMI amounts
  • Choose to pay only the interest amount for a duration of up to three years or 36 months and make efficient utilisation of money


Udyog Loan Against Property by Godrej Capital

Design your EMI in Udyog Loan Against Property:

Godrej Capital's DEMI feature in the Udyog Loan Against Property product enables borrowers to strategically plan their finances, empowering them to optimize their business growth.


  • Get the flexibility to repay your loan with Design your EMI.
  • Choose to pay only interest for up to 12 months.


Did you know? Godrej Capital also offers Flexi Funds, an Overdraft-like facility on Loan Against Property and Udyog Loan Against Property that allows you to withdraw and repay money based on your needs from the pre-approved sanctioned limit. It allows you to pay interest only on the amount utilised as opposed to a regular term loan.


Flexibility in Unsecured Loans

Flexibility in unsecured loans typically refers to the terms and conditions that lenders offer to borrowers. This can include aspects such as the loan amount, repayment schedule, interest rates, and any additional fees or penalties. Here are a few features from Godrej Capital that ensure maximum flexibility in unsecured loans:


Business Loan by Godrej Capital

Design your EMI in Business Loan:

The DEMI feature in Godrej Capital's Business Loan allows borrowers to customize their EMI repayment plans and align the same with their businesses’ cash flow requirements.


  • Avail flexibility in repayment with ‘Design your EMI’, which allows you to repay the loan as per your convenience, capability, and comfort.
  • Pay only interest for a selected period or a year, that is up to 12 months.


Also Read: Flexibility of Repayment in Business Loans


Professional Loan by Godrej Capital

Design your EMI in Professional Loan:

Avail flexibility in repayment of loans through Godrej Capital’s Design your EMI in Professional Loan and utilise finances better:


  • Repay your loan based on capability and comfort with ‘Design your EMI’.
  • Pay only interest for a select quarter or a year.


Do you know? Godrej Capital also offer BizRewards, a unique program to recognize and reward timely repayment behaviour among borrowers. Read more on Earn Rewards on EMI Payments - Know All About BizRewards

The Design your EMI feature from Godrej Capital is revolutionizing the loan industry by providing borrowers with the flexibility and autonomy to tailor their repayment schedules. This innovative approach empowers borrowers to personalize their EMIs, enhancing financial management accessibility and reducing stress. 


By facilitating a customized loan repayment experience, Godrej Capital is simplifying financial planning for individuals and businesses, enabling them to effortlessly reach their financial objectives.


Apply for a loan with Godrej Capital and experience the loan repayment flexibility.


To understand and read more about loan repayment and other related information, visit out Knowledge Centre here.


Related FAQs


  1. How to plan loan repayment?

    To plan loan repayment, assess your financial situation, set a manageable monthly budget, and use flexible options like Godrej Capital's "Design your EMI" to align repayments with your cash flow.

  2. How to Calculate Monthly Loan Payments?

    To calculate monthly loan payments, determine the loan amount, interest rate, and loan tenure. Use an online EMI calculator by inputting these details to get an accurate monthly payment amount.

  3. How to plan loan repayment?

    To plan loan repayment, evaluate your monthly income and expenses to determine an affordable loan repayment amount, and choose a loan tenure that fits your budget.

  4. What is EMI loan repayment?

    EMI or Equated Monthly Instalment in loan repayment involves paying a fixed amount each month, comprising both the principal loan amount and the interest, until the loan is fully repaid. Use an EMI Calculator to easily evaluate your monthly payables.

  5. Is loan repayment good?

    Yes, timely loan repayment is beneficial as it helps maintain a good credit score. It also reduces the overall interest cost and helps in financial planning by ensuring debt is managed responsibly.


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.


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