Loan Against Property


Godrej Capital's Loan Against Property (LAP) is designed to support business growth with high loan eligibility, flexible EMIs, longer tenures, and a wide range of acceptable collaterals. This loan provides substantial funding based on property value, making it ideal for significant business investments and expansions.


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.


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. Apply today for a collateral free loan today!


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. Apply today for a collateral free loan today!


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

Professional Loan for CAs


Godrej Capital's Professional Loan helps CAs in expanding practice, hiring new staff, enhancing equipment, and upgrading services for business growth. Get a loan without collateral and take your career to new heights.


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

Business Loan for MSMEs


For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!


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

Business Loan for Women


Are you a woman entrepreneur? Godrej Capital's Business Loans for women-owned MSMEs help them fuel growth and meet business needs without any collateral. Apply for a small business loan today!


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

Business Loan


Empower your business with Godrej Capital's Business Loan, offering flexible financing solutions to help businesses take the next step for growth. Apply for online Business Loan without collateral today!


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

How Can Overdraft Facility Support Your Business?

Overdraft Facility and Flexi Funds: All You Need to Know

Running a business is an exhilarating journey filled with ups and downs. At times, you may find your business teetering on the edge of a financial tightrope, where every decision counts. It's during these crucial moments that understanding the power of an 'Overdraft Facility' can make all the difference.


Have you ever wondered how Overdraft Facility could benefit your business? Let's break it down in simple terms, so you can understand and use this financial tool to your advantage.


What's an Overdraft Facility for Businesses?

Think of an Overdraft Facility as a financial cushion offered by your lender. It's like having an extra stash of cash ready to cover your business expenses when your account balance falls short, or an approved higher credit limit that is available to you instantly, or instant loan disbursement at your disposal.


How Does It Work?

Here's a relatable example: You have INR 1,00,000 in your business account, but you need to pay INR 2,00,000 for urgent supplies or a business expense. If you have availed of an Overdraft Facility that sanctions you INR 20,00,000 usage limit, your lender can lend you the extra INR 2,00,000 to make the payment. It's like a short-term loan, that you'll need to pay back. The best part is that you can utilize or repay the amount at your convenience, with interest being charged only on the utilized amount.


Key Characteristics of an Overdraft Facility:


  1. Predefined Credit Limit:
    Overdraft facilities are granted with a  sanctioned limit, which can vary from one borrower to another in business lending


  2. Cost-effective:
    Interest on an overdraft is charged only on the amount used by the borrower.


  3. No Repayment Charges:
    In most loan scenarios, there are charges associated with repayments. However, with an Overdraft Facility, borrowers are relieved from such additional costs. The repayment can be done as per the borrower’s convenience.


  4. Flexible Repayment:
    An Overdraft Facility allows borrowers to repay borrowed amount without the constraints of fixed EMIs, although some lenders may specify payment schedules.


  5. Secured and Unsecured Options:
    Overdraft facilities are available on both secured and unsecured loans. Some lenders extend this flexibility to borrowers, ensuring accessibility regardless of the loan type.


Advantages of Utilizing an Overdraft Facility:


  1. Accessibility:
    The accessibility of an Overdraft Facility simplifies the borrowing process for business owners. With quick approvals, obtaining an Overdraft is straightforward. This swift accessibility means that when urgent financial needs arise, you can promptly access the funds necessary to keep your business running smoothly, ensuring that you remain agile and responsive to changing financial circumstances.


  2. On-Demand Credit:
    On-demand credit is all about flexibility. Small businesses or MSME owners face fluctuating financial demands, and Overdraft Facility offers the ability to tap into credit precisely when needed. It's like having a financial toolbox at your disposal, allowing you to access credit when it aligns with your business's needs.


  3. Interest Efficiency:
    An Overdraft Facility is designed to be cost-effective, with the key advantage being that you're only charged interest on the amount you use. This interest efficiency ensures you aren't burdened with unnecessary costs. You'll only pay interest on the used amount, making overdraft facility a financially savvy borrowing option.


  4. Emergency Funding:
    Small businesses or MSME business owners often face sudden and unforeseen expenses. Whether it's repairing essential equipment, covering unexpected bills, or addressing an urgent business need, emergency funding ensures your business remains resilient and prepared to handle unexpected financial challenges. This benefit contributes to smooth financial management and business continuity.


An Overdraft Facility can be a valuable resource for your business, providing a financial safety net to navigate unexpected expenses or cash flow challenges. However, remember it's not free money – you'll pay interest and may incur fees like annual maintenance charges or low utilization costs. Use it wisely to help your business thrive when you need it most.


Note: Please check with your lender or financial institution to confirm the availability and details of this Overdraft Facility arrangement. It may vary depending on the institution or provider. Always review the terms and conditions to understand the specifics fully.


About Godrej Capital’s ‘Flexi Funds’ offering on Loan Against Property and Udyog Loan Against Property


Godrej Capital Loan Against Property and Udyog Loan Against Property products now also offer Flexi Funds, a facility-like overdraft  with the following features


  • Interest rates starting from 9.5% [only on amount withdrawn]
  • Zero touch, Zero hassles
  • Withdrawable limit up to INR 35 crores
  • Flexible loan repayment options
  • Top-notch customer support 


Godrej Capital Flexi Funds facility regularly reduces the available account limit over time. This reduction in available funds over time depends on your selected option. There are 5 types of variants available: Monthly, Quarterly, Half-yearly, Annual, and Hybrid. 


Let’s see an example – 


Overdraft limit:  INR 60 lakhs


Tenure: 60 months


Principal payment mode

Available credit limit reduction


INR1 lakh/month


INR3 lakh/quarter


INR6 lakh/half-year


INR12 lakh/annually


No reduction for first 2 years, monthly reduction thereon

*For reference purposes only


It's important to note that any amount you withdraw during this time will influence your drawing power. It will affect your available limit, calculated as follows:


Available limit = Total limit – [amount withdrawn + reduced drawing power].


Unlock access to our exclusive Flexi Funds facility and enjoy the benefits, tailored to meet your business needs.

Apply now for a Loan Against Property Flexi Funds or Udyog Loan Against Property Flexi funds with Godrej Capital.


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.


Financing through Godrej Finance Limited. Product T&C apply. for details visit