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

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.

 

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!

 

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Eligibility and Documents Required for MSME Certification

Eligibility and Documents Required for MSME Certification 



Operating a small business is a notable achievement, and the avenue for small enterprises to attain recognition and support is through MSME certification. This certification brings numerous advantages. While the excitement of managing and expanding a business is undeniable, it also comes with its share of challenges. Navigating the paperwork and determining eligibility for MSME certification can intensify the overall stress. In this blog, we'll simplify the eligibility criteria and required documents to make getting business certified as an MSME (Micro, Small, and Medium Enterprise) easier for you.

 

Eligibility Criteria:

To qualify for MSME certification, your business must fall within certain parameters. The classification is based on investment in plant and machinery or equipment for manufacturing units, and investment in equipment for service enterprises. The criteria for each segment are as follows:

 

Micro Enterprises:

Manufacturing: Investment in plant and machinery does not exceed INR 25 lakhs.

Service: Investment in equipment does not exceed INR 10 lakhs.

 

Small Enterprises:

Manufacturing: Investment in plant and machinery is more than INR 25 lakhs but does not exceed INR 5 crores.

Service: Investment in equipment is more than INR 10 lakhs but does not exceed INR 2 crores.

 

Medium Enterprises:

Manufacturing: Investment in plant and machinery is more than INR 5 crores but does not exceed INR 10 crores.

Service: Investment in equipment is more than INR 2 crores but does not exceed INR 5 crores.

 

If you own a business and require financial support, consider looking into the Godrej Capital Business Loan.

 

Documents Required:

Once you've confirmed that your business falls within the specified limits, it's time to gather the necessary documents for the MSME certification process. Here's a checklist to help you out:

 

  1. Aadhaar Card of the Proprietor/Partners/Directors: Proof of identity for the individuals associated with the business.

  2. PAN Card of the Business Entity: Permanent Account Number for the business.

  3. Business Address Proof: Any valid document indicating the business's location, such as utility bills or rental agreements.

  4. Details of Business Activities: A brief description of the products or services offered by your business.

  5. Partnership Deed (for Partnership Firms) or Memorandum of Association and Articles of Association (for Companies): Legal documents outlining the structure and rules of the business.

  6. Copy of Licenses and Bills of Machinery/Equipment: Documents supporting the investment made in plant, machinery, or equipment.

  7. Bank Statement: The latest bank statement for the business account.

  8. Registration Certificate from the Regulatory Authorities: Depending on your industry, provide relevant certificates or licenses.

 

Getting MSME certification can really help your small or medium business in many ways. You might get financial help, find it easier to apply for business loans, and access government schemes. If you meet the rules and give the needed documents, you're setting up a path for your business to grow in a friendly MSME environment. Keep an eye out for any changes in the certification process, and you'll soon enjoy the perks of being recognized as an MSME.

 

If you own a business, you can check out Nirmaan for free.
It's a Godrej Capital initiative made to assist the growth of MSMEs in India.

 

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 www.godrejcapital.com