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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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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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How Can I Grow My Business with Loan Against Property?

Many reports indicate that MSMEs face various challenges apart from operational and infrastructural. This has led to credit gap in the MSME sector. 

There are 63 million MSMEs in India. 80% of them lack access to formal financing. There’s an estimated credit gap of over USD 230 billion. Financial institutions must rise to the occasion to provide financial aid to MSMEs. By supporting MSME sector, they can  contribute to the Indian economy.


MSMEs or Micro, Small, and Medium Enterprises (MSMEs) have become the most active areas of the Indian economy. This sector has been creating employment opportunities at lower capital costs and contribute approximately 30% to India’s GDP.


Despite their contribution to the economy, many reports indicate that small businesses have no access to credit. 


Is your business, too, facing a credit challenge? In this article, we address your credit concerns. We will discuss how you can have access to funds with a Loan Against Property.


Read on.



The lenders in India offer many types of loan products. A Loan Against Property (LAP) remains one of the most popular products for Small and Medium Enterprises. Loan Against Property is a type of loan in which a borrower can avail of funds by keeping the property as collateral with the lender. That’s why it is also called collateral loan or mortgage loan. 


The feature that makes Loan Against Property attractive is that the borrower can continue to occupy the property during the tenure of the loan. LAP is one of the most popular loan options because it allows business owners to borrow a large sum of funds for various professional needs.


Usually, a borrower can get up to 80% - 90% of the property as a loan depending on the Lender. However, there are various aspects like, type of property (commercial or residential) or status of the property (self-occupied, unoccupied, or rented). It determines the loan amount you can receive. 

Residential properties generally get more LTV (Loan to value) than commercial properties. 



  • Loan Against Property allows the borrowers to avail larger amounts of funds than other conventional loans.
  • Loan Against Property interest rates are lower, as it is a secured loan.
  • Borrowers can avail of longer tenures from 15 years to 25 years to repay the loan to the lender.
  • Funds can be used for any purpose other than illegal activities.
  • The lenders offer flexible repayment options to support the business owner’s cashflow needs.
  • LAP accepts many types of properties as collateral.


Also Read: Loan Against Property vs. Other Loans: Making an Informed Choice



Many MSMEs depend on an unsecured business loan to obtain the money for expansion or urgencies. If you own a small or medium-sized business, you know it needs cashflow to remain sustainable and expand. However, business loans often have high interest rates, making it difficult for business owners to repay the borrowed money.


What might be the ideal substitute for business loans? When you need money for your business but don’t want to pay such a high price, we have you covered!


Loan Against Property (LAP) is just the option for you! Here’s why you should choose LAP for the growth and expansion of your business:


Benefit #1: Lower Rate of Interest
Loan Against Property interest rates is lower than other business loans. Your EMI payment will not be a burden on your everyday business expenses.


💡Pro-tip:- Use Loan Against Property EMI calculator to determine your monthly EMI payments.


Benefit #2: Longer Repayment Tenure
You can repay the loan within 20 to 25 years, depending on the lender. The EMI will be smaller as the duration extends, providing you with enough loan payback time. You may prepay your loan and pay off the total amount sooner if your company has significant financial success during the loan term. 


Repaying a tiny amount wouldn’t affect your ability to maintain liquidity. 


One of the most significant benefits of Loan against Property is flexibility in the payment. Your EMI payment will not pose a burden on everyday business expenses.


Benefit #3: Quick Access
In business, emergencies can happen anytime. For instance, your business needs a new equipment or need to repair the old one. This can cause a financial emergency. 


Applying for a Loan Against Property can be highly responsive in this situation as most lenders have a quick online sanction and approval process.


Benefit #4: Unrestricted End-Use
One of the most amazing benefits of LAP is the flexibility with the final use of the cash. It can be used for the following:

  • Purchase of new commercial property
  • Business expansion
  • Plant machinery acquisition
  • Debt repayment
  • Project financing
  • Paying employees’ salaries
  • Overseas business trip funding
  • Meeting miscellaneous business expenses


Benefit #5: Easy Documentation
Most lenders require minimal documentation before sanctioning the loan. But, Loan against Property eligibility criteria is simple. You can get approval with less paperwork and easy documentation. You need to only ensure that your Loan Against Property CIBIL score (credit score) is good enough.



Loan Against Property is the most beneficial option for a business owners because of repayment flexibility, lower interest rates, and unrestricted end-use. LAP has proven to be one of the most useful loan options for MSMEs in India. 


Take your business to great height – Apply for Loan Against Property


Also Read: Loan Against Property versus Loan Against Property Flexi Funds: Which One Fits Your Needs?


Disclaimer: The names used in this article are fictitious and are used for representational purposes only.


The contents of this article is for information purpose only. 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. For more details, visit