Home Loans


Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.


Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

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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Balance Transfer


With our Balance Transfer option you can transfer your existing home loan to Godrej and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.


Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Plot Loans


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

Business Loans


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

Professional Loans


We empower you to scale your medical practice with modern equipment, improve patient facilities or hiring skilled staff with our Professional Loan for Doctors.


Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Commercial Property Loans


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


Five Ways a Business Loan Can Help Grow Your Business

Running a successful business, whether it’s big or small, requires significant effort. Managing people, acquiring equipment and materials, following social guidelines, and understanding legal formalities – are just a few of the necessary tasks. Another crucial aspect is financial investment. Setting up and operating a business both demand funds. Having a steady and reliable financing option can make achieving business goals much easier. That’s where business loans from trusted lending institutions come in. But why exactly is a business loan a better option? Let’s explore five benefits of taking a business loan:


  1. Expansion of business

    Small businesses have big potential, and business loans can help them reach great heights. The business expansion includes leasing larger spaces, acquiring new technology, introducing new verticals, hiring additional staff, and more. Each of these endeavours requires careful planning and a reliable source of funding. Business loans offer a dependable financing option that allows small business owners to focus on operational details without worrying about funds.


  2. Tax Benefits

    Whether you already own a business or plan to start one, an income tax business calculator will become your best friend. Businesses usually have the customary responsibility of annual taxation. In this context, business loans can be a blessing in disguise. While business owners might be concerned about taxes and loan repayments straining their financial system, the Income Tax Act of India allows for the deduction of the interest paid on business loans from the company’s profits. Depending on your business’s profit calculations, the business loan interest may balance out against the taxes payable, providing a tax benefit. 


  3. Working Capital

    Establishing or running a business involves operational costs, such as planning, organizing, production, procurement, manufacturing, distribution, marketing, and more. Availing a business loan alleviates the worry of daily working capital requirements. Enterprises can then focus on functionality instead of worrying about liquidity crunches or cash flow issues.


  4. Upgrade & Advancements

    Both the service and product industries incur set-up, wear-and-tear, and maintenance costs, and expenses related to advancements. Whether it’s purchasing new machinery for manufacturing, acquiring new vehicles for delivery, or upgrading services, business loans offer flexibility in usage that can be utilized for upgrades and advancements to improve the business’s overall performance and profitability


  5. Zero Profit Sharing


    While taking a business loan from a trusted lender is one financing option, seeking investors is another route to consider. Many investors gladly invest in budding businesses; however, they typically participate with the expectation of sharing in the business profits. Contrary to this, opting for a business loan grants complete freedom in business operations and decisions. It enables the utilization of capital without having to share profits, thereby preserving the entrepreneurial spirit.



Small establishments have the potential to make a significant impact. To support their growth potential, Godrej Capital offers flexible business loans to micro, small, and medium-sized enterprises (MSMEs). With exclusive benefits such as customized EMI plans, exciting rewards for timely repayment, quick loan approvals, zero collateral requirements, and more, MSMEs no longer have to be held back from achieving their business goals.


A business loan can be a valuable tool for business owners looking to expand their operations, navigate tax implications, manage working capital, invest in upgrades and advancements, and maintain control of their profits. With the right lender, the benefits of a business loan can contribute to the success and growth of small businesses, unleashing their full potential.


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 taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.