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

Ready to move in property

Ready to Move into a New Home? A Home Loan with ‘Design your EMI’ Feature is All You Need

Have you found the perfect ready-to-move-in (RTMI) flat for yourself and your loved ones? If your answer is yes, you are up for a new challenge and that is, securing a Home Loan that fits your budget. 


What if we tell you, your dream home does not necessarily have to come with a not-so-dreamy EMI burden? Yes, that’s true! With Godrej Capital Home Loans, you can avail benefits of lower interest rates, longer loan tenures, and flexible repayment cycle to ease your EMI burden. If you are wondering how? Read more to find out.


Godrej Capital Home Loans come with a unique feature called ‘Design your EMI’, commonly known as DEMI that can help you avail benefits of flexible repayments to suit your needs and convenience. 


What is Design your EMI?

The Design your EMI (DEMI) feature for Godrej Capital Home Loans allows borrowers to personalize their equated monthly instalments (EMIs) according to their financial circumstances, offering a level of flexibility that is often missing in traditional loan structures. Godrej Capital offers DEMI facility with both kinds of home purchase such as under-construction property and ready-to-move-in flats, enabling borrowers to enjoy control over their EMI payments. With DEMI, borrowers have the option to make interest-only payments for a selected period of up to 3 years* and improve their ability to better manage budgets and cash flow by reducing the amount they need to pay periodically. 


Also Read: Design your EMI: The Flexibility You Need for Loan Repayments


Godrej Capital Home Loans: Design your EMI for RTMI Flats 

As the name suggests, RTMI or ready-to-move-in properties, are residential units or flats that are fully constructed and are available for immediate occupancy by buyers. These properties are typically brand new or have been previously owned but are in a habitable condition, with all necessary construction and finishing work completed.


Godrej Capital’s innovative DEMI feature empowers all our Home Loan customers to take control of their EMIs and customize their monthly repayments to suit their needs. 


With Godrej Capital Home Loans’ DEMI feature, borrowers looking to purchase a ready-to-move-in flat can get several benefits, such as

  • Interest-Only Payment for Selected Periods: Defer the principal repayment for up to 12 months and utilise the extra cash to meet other important commitments.
  • Prioritise Expenses: Allocate your funds wisely by directing them towards rent or other setting-up costs like interior designing, furnishing, decorating and more.
  • Customizable Interest Payments: Adjust your interest payments to align with your financial situation by selecting a flexible repayment plan that allows you to pay a lower amount, such as INR 9,999, for the first 6 months, and a higher amount, such as INR 12,999, for the remaining months. This customization option allows you to tailor your payments to better suit your financial capacity.


Do you know? Godrej Capital offers Parallel Funding, a unique flexibility feature, to its Home Loan customer buying an under-construction property. This feature allows its Home Loan customers to ease the burden of down payment when buying an under-construction property by sharing the upfront payment with the lender. This allows customers to divide their payments into more manageable portions according to the payment slabs set by the property developer.


DEMI and the Benefits of Flexible Repayments

  • Reduced Initial Burden: Lower initial EMIs can ease the financial pressure during the initial settling-in period.
  • Improved Cash Flow: Frees up funds for immediate expenses related to your new home.
  • Financial Planning: Provides greater control over your finances and allows for better budgeting.
  • Peace of Mind: Reduces stress associated with hefty monthly payments, allowing you to focus on enjoying your new home.


Also Read: Decoding Commonly Used Home Loan Terminologies


Other Features of Godrej Capital Home Loans

Godrej Capital provides tailored Home Loans, accompanied by simplified processes, quick sanction and disbursal and round-the-clock customer support, to suit the requirements of the diverse  homebuyers. Godrej Capital commitment to enable its customers to ‘Enjoy the journey of homeownership’ is reflected in the following advantages:


  • Higher Loan Amounts: Up to INR 20 crore  to finance your dream home.
  • Competitive Interest Rates: Fixed interest rates starting from 8.55% p.a. for the first three years.
  • High Loan-to-Value Ratio: Get financing for up to 90% of the property value, and reduce your upfront investment.
  • Flexible Loan Tenure: Spread your repayments comfortably over up to 30 years.
  • Hassle-free Experience: Enjoy zero-touch loans, minimal documentation, and dedicated customer support.
  • Quick Loan Processing: Get your loan sanctioned and disbursed swiftly.


Also Read: A Complete Guide to Home Loan Management


Ready to Make Your Dream a Reality? Apply Now!

Don't let concerns about EMIs hold you back from owning your dream ready-to-move-in property. Explore Godrej Capital Home Loans and unlock the power of flexible EMI payments.


💡 Pro-tip: Use online Home Loan EMI calculator to estimate your potential EMI and see how DEMI can make a difference.


Don't wait! Apply now for Home Loan with Godrej Capital and turn your dream of homeownership into a reality. Check your eligibility using Godrej Capital’s Home Loan Eligibility Calculator.


Also Read: Zero-Touch Home Loans: Your Key to Homeownership



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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