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


Is Interest Rate Everything in Home Loans?

It is true that home loan rate of interest is an important consideration for most borrowers. But financial smartness also means  considering  various other things. Applying for a Home loan only based on the rate of interest rate can sometimes become a big mistake for the borrower.


Home loan is a long-term commitment that involves a big amount of money. So, you must look at other details before signing the documents. What are they? Let us find out.



Everyone desires an affordable home loan. Whether you need a joint home loan or are buying it independently, you must surely judge the affordability first. The lending sector has become competitive with multiple lenders in the market. However, it means more choice for you, i.e., the borrower. Make sure the loan you choose doesn’t give you financial burden.


Buying your dream home is one of your life goals. Others goals, like children’s higher education, retirement, etc., need equal attention. Hence, avail a loan you can afford and pay without difficulties. Find out if your lender:


  • Offers the facility of breaking the down payment amount into small chunks. So, you can pay over a period of time instead of a lump sum. Allowing down payment to be paid inparts makes smoother disbursement. It comes in handy during situations when the income of household is under stress.


  • Has the provision of lowering EMIs and gradually increasing them with the tenure. This ensures you don’t have to settle for a small home due to lack of funds.


These provisions may look minor. But,they go a long way in making sure that you get a profitable deal. It can help you fulfill one of your biggest life goals.


Also Read: 5 Ways to Increase Home Loan Eligibility 


Flexibility in Repayment


Home loans require you to pay EMIs for 10 to 15 years, or even more. However, financial situations change with time. As you move ahead, you need to shoulder extra responsibilities. Disposable income changes and other expenses may shoot up. In such a scenario, paying EMIs can be challenging.


Before applying for a home loan, find out the flexibility in repayment. Talk to your lender to find out if you can decrease or increase the EMI amount as per your situation. For example, when unimportant expenses are high or there’s a break in active income, check if you can avail EMI breaks without affecting your credit score.


Repayment flexibility gives you peace of mind when you don’t have the required funds to pay EMIs. On the other hand, firm repayment terms can give you sleepless nights if you fail to repay due to a shortage of funds.

You can also calculate your monthly EMI payment by using the Home Loan EMI calculator here.


Level of Customer Service


What’s the point of availing a Home loan from a lender who is not available to solve your queries or doubts when needed? Calls and emails unanswered or not satisfactorily resolved can sour the deal. 


Hence, before applying, check the quality of customer service. Home loan application isn’t merely confined to signing the loan documents. It’s about understanding what you are getting into. It is about having a complete understanding of the jargon(s), and a lot more. Queries like home loan eligibility, home loan tax benefits are mostly commonly asked by many borrowers. You should clarify these before applying for home loan.


Level of customer service also involves the inclusion of digital tools and systems. It should make it quick to avail loan and be informed at every stage of the loan process. Lenders such as Godrej Capital offer Zero Touch Loans where the home loan process is contact-free. It includes features such as:


  • Video KYC


  • E-sign


  • Document delivery and pick-up service


Go through online reviews and talk to existing customers of the lender. It will help you understand how well the lender serves its customers throughout the loan journey. Don’t take everything at face value and do your independent research to understand the lender’s level of customer service.


It’s important to choose home loans from reputed and established lenders who have a well-defined system to serve customer queries and grievances.

Also Read: Financing Home Ownership: Here’s How to Go About It


Lender’s Concurrence With the RBI


This is perhaps one of the most overlooked aspects of home loan. You must ensure that your chosen lender has the license from RBI to disburse loans. Home loan scams are not new, and to ensure you are not cheated, make sure your lender is RBI certified. Equally important is to make sure the lender follows loan to value ratio and risk weights.


Loan-to-value ratio measures the lending risk that lenders undertake before approving a home loan. As per RBI guidelines, lenders can not include stamp duty, registration charges, and other documentation charges while calculating the LTV ratio. However, in cases where the cost of the house doesn’t exceed INR 10 lakhs, lenders may include these charges while calculating the LTV ratio. Also, as per RBI:


The spread amount differs across lenders. However, it remains constant throughout the loan tenure. On the other hand, if index rates move up, you need to pay a higher EMI and vice-versa.


  • Lending institutions can’t levy foreclosure/ pre-payment penalties on home loans availed under floating rate of interest.


  • When requested, lenders must reveal the loan’s annual percentage rates (APR). APR takes not only the home loan rate of interest but also other fees and charges that you need to pay.


  • In case your loan application is rejected, the lender must provide valid reasons for the same.


 Also Read: Decoding Commonly Used Home Loan Terminologies



By now, you must have realized that home loan rate of interest is not the only criteria you should look for opting for a loan. There are more aspects to it. Read the fine print carefully to know the various charges, late payment fees, etc., before going ahead. Choose carefully and pick the best home loan as per your needs. Advantages of home loan are plenty; make sure you also consider your financial situation before applying.


Apply now for a home loan