In a world where the dream of owning a home is a profound sentiment for many, the journey to homeownership is not always a smooth one.

India, home to the world's largest LGBTQIA+ community, houses around 135 million individuals who identify with diverse gender identities, constituting 10% of the country's population*. While India has made strides in recognizing LGBTQIA+ rights, there remains a gap in providing full rights to this community.

Home buying, especially for same-sex partners, presents unique challenges. Godrej Capital, with its commitment to diversity, equity, and inclusion (DEI) at the core of its operations, understands the significance of addressing these challenges. No one should be denied the opportunity to turn their dream home into a reality. Every individual, regardless of gender or sexual orientation, deserves the warmth and security of a home. Showcasing a strong commitment to this belief, Godrej Capital introduced an industry-first initiative – the Home Loan for Same-Sex Partners

1. Competitive Interest Rates - Commencing at 8.55%:
   The initiation of our home loan offering introduces applicants to a highly competitive interest rate structure, demonstrating our commitment to alleviating the financial strain on same-sex couples embarking on their homeownership journey.

    

2. Generous Loan Limits - Up to 10 Crores:
   Godrej Capital is attuned to the diverse aspirations of same-sex couples. Hence, our home loan program extends substantial loan limits, providing couples the financial latitude to choose homes aligned with their dreams and lifestyles.

    

3. Expedited Sanctions and Disbursals:
   Recognizing the time sensitivity inherent in the home-buying process, Godrej Capital stands out for its efficiency in providing prompt sanctions and disbursals. Applicants receive loan eligibility confirmation within a mere 24 hours, streamlining the path to homeownership.

    

4. Extended Loan Tenures - Up to 30 Years:
   Consciously addressing the need for manageable monthly payments, Godrej Capital offers extended loan tenures of up to 30 years. This extended tenure not only reduces the monthly EMI burden but also provides borrowers with the flexibility to structure their loans according to their financial goals.

    

5. Customizable EMIs -Flexible Repayment Structures:
   Personalization takes center stage in our offering. The home loan for same-sex partners from Godrej Capital provides a high degree of flexibility in repayments. Borrowers can tailor their repayment schedules to align with their unique financial goals, opting for interest-only payments for select quarters or up to 12 months. By allowing applicants to design their own EMIs, we empower them to reduce the monthly EMI burden and experience unparalleled convenience.

    

6. Full Moratorium - Up to 12 Months:
   Anticipating unforeseen circumstances, Godrej Capital extends a full moratorium of up to 12 months. This feature offers temporary relief during challenging times, acknowledging the dynamic nature of life and financial circumstances.

    

7. Semi-Fixed Interest Rate - Fixed for 3 Years:
   Stability is paramount in our commitment to borrowers. Godrej Capital offers semi-fixed interest rate on home loans, affording borrowers predictability in the crucial initial three years of the loan, providing a secure foundation for financial planning.

    

8. Parallel Funding for Down Payment Ease:
   At Godrej Capital, we understand that the down payment is a pivotal aspect of home purchases. To alleviate the financial burden, we offer innovative down payment options such as Parallel Funding. This approach allows borrowers to make down payments in parts on a pro-rata basis, ensuring that the homebuying process remains financially manageable.