Ever wondered about the nuts and bolts that keep a business ticking? In the unpredictable landscape of businesses, where unforeseen needs can arise unexpectedly, the importance of financial stability cannot be overstated. Consider a scenario where your business urgently requires an injection of funds – be it for unexpected repairs, expansion opportunities, or managing cash flow during seasonal fluctuations. In these critical moments, external financing options like business loans become a lifeline, ensuring operations continue smoothly. However, what if these loans were designed not just to meet financial obligations but to add a layer of joy and practical benefits to the entrepreneurial journey? Enter Godrej Capital's BizRewards – a reward program for timely repayment of EMIs.

Yes, you read that right. Godrej Capital offers exciting benefits, viz., BizRewards to recognise and reward the timely EMI payment behaviour of its customers. These rewards are available on loan products like unsecured Business Loans and Professional Loans for Doctors and Chartered Accountants.

BizRewards was thoughtfully crafted with the understanding of the often-burdensome nature of loan repayments. Yet, although it remains crucial to meet your scheduled EMIs, the experience becomes far more enjoyable when accompanied by rewarding incentives.

How BizRewards Can Help You Maintain Your Financial Wellness?

BizRewards extends beyond the surface of feel-good factor; it's a practical move that benefits your financial health. By making timely repayments, you're not only contributing positively to your CIBIL score but also maintaining a non-delinquent portfolio, ensuring your business operates from a position of strength. This means that your eligibility for a loan increases and you can access funds at a time of necessity without much hassle.

The grand vision is to create a win-win scenario where customers benefit from cost savings passed on with rewards in the form of vouchers while also improving their credit score. By fostering responsible financial behavior, Godrej Capital ensures a solid foundation for both the customer and the organization, harmonizing with the constant pursuit of customer-centricity in our offerings.

How Does BizRewards work?

As you dedicate yourself to the relentless pursuit of success for your business, there often comes a point where you yearn for a moment of indulgence, a gesture for your loved ones, or a personal treat. Whether it's taking them on a shopping spree for the festive season, pampering yourself with a luxurious spa day, or simply escaping for a wanderlust-filled break – these are the moments that add a touch of joy to your hard work. Enter Godrej Capital's BizRewards! It is not just about numbers; it's about using these rewards to address your lifestyle needs – treating your spouse, investing in your children's happiness, or even taking a well-deserved break for self-care. The versatility of BizRewards vouchers extend beyond business transactions to meet the practical demands of life. Customers are rewarded with vouchers from various affiliate brands, spanning lifestyle and business categories. From entertainment to travel, health to shopping, the voucher options cater to a diverse range of preferences and needs.

The process is all about being upfront and transparent, ensuring a fair distribution of rewards. The rewards are given in the form of vouchers on timely payment of your EMIs as per the following schedule:

• Year 1: 1st EMI & 12th EMI
• Year 2: 24th EMI
• Year 3: 36th EMI

What kind of Vouchers Can One Expect

Entertainment Vouchers:
Dive into a world of entertainment and indulgence! Whether it's a cozy movie night, binge-watching your favorite shows, a shopping spree, or a delicious feast, we've got your cravings covered.

• BookMyShow for movie night
• SonyLiv for binge-watching your favorite shows on
• Amazon for shopping spree
• SwiggyOne feast for your indulgence!

Health and Wellness vouchers:
Elevate your well-being with a range of services designed for a healthier lifestyle. From maintaining your overall health to ensuring a bright smile, staying fit, finding moments of tranquility, and seamlessly managing your health – discover the path to a healthier and happier you!

• Healthians for your well-being
• Clove Dental for a healthy smile
• Cult Fit for staying fit
• Tattva for tranquil moments
• MediBuddy to keep manage your health

Travel and Leisure Vouchers:
Enhance your travel and lifestyle with exclusive vouchers crafted for your convenience. From comfortable rides to travel plans and a touch of luxury, discover a realm of possibilities to elevate your experiences!

• Uber vouchers for your comfortable ride
• Yatra vouchers for your travel plans
• Luxury Escape voucher for a touch of extravagance

Style and Skill Upgrade:
Upgrade your style, add a touch of glamour, and boost your skills with a collection of services designed for your unique preferences. Explore fashion trends, embrace elegance, and enhance your skills with tailored offerings that complement your lifestyle!

• Myntra for the trendsetter in you
• Joyalukkas for a touch of glam
• Upgrad voucher to level up your skills

Understanding BizRewards Guidelines: A Framework for Fairness

1. Voucher Eligibility Period: Customers are eligible for vouchers during the first three years of their loan tenure.

    

2. Beneficiary: The key applicant in the loan structure is the rightful beneficiary of the voucher rewards.

    

3. Timely Repayment Requirement: Vouchers are entitled upon timely repayment (without bounce) of EMI and will be discontinued on delinquency or foreclosure.

    

4. Adjustments for Loan Changes: The value/count of vouchers may change if there is any reduction in tenor due to part payment.

    

5. Expiration and Lapsing: Benefits of vouchers may be availed until the expiry of the respective voucher. Unredeemed vouchers shall lapse.

    

6. In-Kind Redemption: Vouchers can only be redeemed in kind and not in cash.

    

As you navigate the challenges of sudden business needs, remember that Godrej Capital is not just a financial partner; it's a practical contributor to the success of your enterprise. With our Business Loan EMI calculator, we help you streamline your repayment schedule and provide loans that are designed to meet real-time needs. Moreover, with rewards that extend beyond joy, the entrepreneurial journey becomes a pragmatic blend of financial stability and genuine happiness. Godrej Capital BizRewards – where the heart of your business beats in sync with the practical joy of your personal endeavours.

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Disclaimer: The contents of this article are for information purposes only and 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.

For more information, please visit www.godrejcapital.com