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

Grow with Nirmaan

Grow with Nirmaan: One stop-solution for all your business needs

What is Godrej Capital Nirmaan?

India's vibrant Micro, Small and Medium Enterprises (MSMEs) are the backbone of the nation's economy. These small business owners contribute significantly to employment generation, innovation, and regional development. However, MSME owners often face challenges that hinder their growth potential. Limited access to capital, navigating complex regulations, and keeping pace with technological advancements are just a few hurdles they encounter.


This is where Nirmaan, a revolutionary digital platform launched by Godrej Capital, steps in. With Nirmaan, Godrej Capital goes above and beyond lending , and into offering a comprehensive ecosystem designed to empower MSMEs and unlock their true potential.


Scenario 1:

Let's meet Raj, a passionate entrepreneur who runs a thriving bakery in Jaipur. Raj's business has gained a loyal following for its delicious treats. However, he aspires to expand beyond his local market. He dreams of selling his baked goods across India, but concerns about logistics and online marketing hold him back.


Scenario 2:

Similarly, Priya, a young fashion designer in Delhi, struggles with managing finances. She lacks access to affordable credit facilities to invest in raw materials and expand her product line. Additionally, navigating the legalities of starting a fashion business proves daunting.


These scenarios represent the common challenges faced by countless MSMEs in India. Nirmaan addresses these concerns by offering a holistic approach that caters to various aspects of an MSME's journey.


Also Read: Crisis Management: Can a Business Loan Help You?


How Does Godrej Nirmaan Work?

Godrej Nirmaan functions as a single platform where MSMEs can access a diverse range of services offered by its expansive network of partners. These partners offer special services that aim to provide solutions for various business problems/challenges, that too at a discounted pricing. Nirmaan partner-services fall under three core pillars:


Pillar 1: Increase Customer Base: This pillar focuses on equipping MSMEs with the tools and resources needed to increase their businesses by acquiring more customers. It includes:

  • Expanding Nationally or Globally: With partners like Amazon Seller Services and Amazon Global Selling, Nirmaan helps MSMEs expand their customer base to a national and global audience. By leveraging these connections, MSMEs gain access to the tools and resources needed to reach a national and global audience, exponentially expanding their customer base and sales potential.    


  • Listing on Government marketplace: With Nirmaan partner, GeMTech PARAS, you can list your business on government e-marketplaces. Plus, you can discover, participate & track Government tenders on a user-friendly dashboard with real-time analytics. This equips you with a clear advantage in securing those valuable contracts.


  • Partnering with Godrej Group: Within the Godrej Group companies like Godrej Agrovet and Godrej Properties, you can find procurement or distribution opportunities through Nirmaan platform. This can potentially give your MSME a significant boost in terms of visibility, sales, and overall growth.


Pillar 2: Plan Business Operations: This pillar focuses on strategic planning and growth, facilitating MSMEs with solutions required to manage day-to-day business activities and solve everyday challenges with ease. It includes:

  • Financial solutions: With Nirmaan partner, BS Bank India, you get Visa-powered Business Debit card, and offers on their banking solutions. Additionally, through Nirmaan partnership with Escrowpay, you can make secure and faster payments. This empowers you to manage your finances with greater ease and confidence, allowing you to focus on other aspects of your business.


  • Smart and digital solutions: Through Nirmaan’s partnership with Amazon SmartBiz, you can create your website and increase your digital presence. Similarly, with Amazon SmartHub, you can automate your business operations with their warehouse and order management system. This translates to automating tedious tasks, saving you valuable time and resources that can be better invested in growing your MSME.


  • Legal support: Running a business often needs a lot of legal and compliance adherence. Nirmaan’s partnership with Zolvit can help businesses navigate legal challenges without stress.


Pillar 3: Boost Employee Productivity: This pillar focuses on continuous improvement and innovation of employees. As employees play a crucial role in the success of any business, it’s important to have solutions that improve their productivity. This pillar includes:

  • Group health insurance: With as few as 3 members, you can insure your employees with Personal Accident and Health covers through Nirmaan partner, Onsurity at an affordable premium. Happy, healthy, and protected employees, you can create a more positive and productive work environment for your MSME.


  • Automated employee management system: With Nirmaan partner, greyTHR, you can automate your office administrations. It can help you with your employee attendance, payroll and more. A streamlined HR system that saves you time and effort can support your business growth.


  • Upskilling: Nirmaan partners, MSMEX and Serapis Knowledge Solutions support in upskilling with certifications and guidance. This empowers your team with the latest industry knowledge and skills, leading to a more qualified and productive workforce. The ultimate outcome? A significant boost in your MSME's overall efficiency, innovation, and competitive edge.


Also Read: How To Make Your Business Festival Ready?


Benefits of Nirmaan

Nirmaan recognizes the importance of collaboration in empowering MSMEs. It has established strategic partnerships with leading service providers across various industries. These partnerships bring additional benefits to the MSMEs, such as:

  • Discounted rates: Nirmaan leverages its partnerships to negotiate exclusive discounts and offers for MSMEs registered on its platform. 


  • Free registration: Committed to the overall development of MSMEs, Nirmaan doesn’t charge registration fees. The platform’s aim is to help MSMEs, so the access to Nirmaan portal is open to all MSMEs without bias.


  • Streamlined operations: Integrations with partner platforms allow for seamless workflows. An MSME owner can find solutions at a single place and avoid the hassle of dealing with multiple portals.


  • Specialized expertise: Through Nirmaan, access expertise and resources of trusted, big-name brands. By partnering with these reputable companies, Nirmaan empowers MSMEs to leverage their knowledge and accelerate their growth trajectory. This means you get the benefit of working with established brands, giving your MSME a significant boost.


Also Read: 2024 Money Moves: Is Your Business Ready for a Loan?


Godrej Nirmaan - Your Partner in MSME Growth

Nirmaan is more than just a platform; it's a community dedicated to empowering MSMEs and shaping a brighter future for Indian entrepreneurs. By offering a comprehensive ecosystem of services, fostering a culture of learning and collaboration, and continuously innovating, Nirmaan is well-positioned to make a significant impact on the nation's economic landscape.


Are you an MSME owner ready to take your business to the next level? Visit the Godrej Nirmaan website today and explore how this powerful platform can help you achieve your business growth goals. Click here.



Godrej Capital & its Affiliates are facilitators of the products & services displayed on the Platform. The Companies shall not be liable for any product features, services. The User is advised to avail services at its discretion. For more details, visit