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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Lease Rental Discounting


Want to leverage your rental earnings to get a loan? We offer industry-best loan-to-value Lease Rental Discounting, allowing you to explore new business opportunities, fund personal expenses, or even pursue higher education. Unlock the value of your assets without selling them.


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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 to Download MSME Certificate?

How to Download MSME Certificate?

The MSME Certificate is a document that says a business is either Micro, Small, or Medium in size. It's also called the Udyam Registration Certificate or Udyam Aadhar. The government of India issues this certificate under the MSMED Act of 2006. This law helps promote and support small and medium businesses. It sets the rules for recognising and helping these businesses in the market.


According to the MSMED Act, businesses are sorted based on how much they invest in machinery and their yearly revenue. Any type of business, like startups, companies, or trusts, with less than INR 50 crore investment and INR 250 crore annual revenue can be called an MSME. The specific size (micro, small, or medium) depends on their investment and revenue, following various criteria such as:


  • Micro Enterprise: Invests up to INR 1 crore and has a yearly turnover of up to INR 5 crore.


  • Small Enterprise: Invests up to INR 10 crore and has an annual turnover of up to INR 50 crore.


  • Medium Enterprise: Invests up to INR 50 crore and has an annual turnover of up to INR 250 crore.

To obtain an MSME Certificate or Udyam Aadhar, businesses can simply apply online on the Udyog Registration Portal along with relevant proof of documents. Once the application is reviewed and approved, the digital certificate is issued.


How to Download an MSME Certificate?

You can follow these steps to download an MSME Certificate:


  1. Visit the Official Website: Go to the official Udyam Registration portal or the government portal dedicated to MSME certificate registration.


  2. Login or Register: If you have already registered, log in using your credentials. If not, you may need to register on the portal.


  3. Provide Details: Fill in the necessary details about your business, such as Aadhar number, PAN card details, business name, address, etc.


  4. Verification: Verify your mobile number through an OTP (One-Time Password) sent to your registered mobile number.


  5. Fill in Business Details: Complete the form with details about your business, including investment and turnover.


  6. Submit Application: After providing all the required information, submit your application.


  7. Download Certificate: Once your application is approved, you can download your MSME Certificate from the portal. There is usually an option to download or print the certificate.


  8. Save and Print: Save a digital copy of your certificate and consider printing a hard copy for your records.


What are the benefits of an MSME Certificate or Udyam Aadhar? 

Getting an MSME Certificate, also known as Udyam Aadhar, can benefit businesses in various ways. Here are the advantages you can enjoy by certifying your business:


  1. Access to Government Incentives: MSME certification allows businesses to get financial help, subsidies, and tax benefits from the government scheme.


  1. Easier Credit for MSME Loans: Being MSME-certified makes it simpler to get credit in the form of business loans or MSME loans from banks/NBFCs. This includes special lending for the priority sector, aiding businesses in obtaining funds for business growth.


  1. Prompt Payments Protection: MSMEs are ensured timely payments for their goods or services, offering protection against delays under the MSME Development Act.


  1. Priority in Government Tenders: MSMEs get priority in government tenders, with specific quotas reserved for them. This opens opportunities for small businesses to work with government entities and expand.


  1. Support for Technology and Skill Development: MSMEs can receive help and advice to adopt new technologies and improve their skills. This support enables businesses to learn and apply new skills for their overall improvement.


Obtaining an MSME Certificate is a strategic move that holds significant importance for business owners in the Micro, Small, and Medium Enterprise sectors. This certification, also known as Udyam Aadhar, goes beyond mere acknowledgement; it opens a gateway to a realm of benefits that can positively impact business growth and sustainability. The advantages of an MSME Certificate are manifold, with one of the key perks being improved access to government schemes and support. 


MSME certification paves the way for small businesses to tap into financial assistance, subsidies, and tax incentives offered by the government, providing a valuable financial boost that can make a substantial difference, especially for smaller enterprises.


Furthermore, the MSME Certificate acts as a key to unlocking credit facilities for business loans. With this certification, business owners find it easier to secure funds from financial institutions, including priority sector lending. This financial leverage can be a game-changer, facilitating crucial capital for expansion, innovation, and day-to-day operations.


If you own a business and require financial support, consider looking into the Godrej Capital Business Loan.


Participation in government tenders is a remarkable avenue that opens up for MSMEs. With preferences and quotas reserved for them, these businesses can actively engage in government procurement, fostering MSME opportunities and expanding their market presence.


Lastly, the MSME Certificate is not just a recognition of the present state of a business; it's an investment in the future. The support for technology and skill development provided to MSMEs empowers owners to adapt to modern trends, enhance their capabilities, and stay competitive in a dynamic business landscape.


In essence, the MSME Certificate is not merely a document; it is a key that unlocks a world of opportunities. Business owners should consider this certification as a strategic move, a pathway to MSME growth as a sector, financial stability, and a testament to the government's commitment to nurturing and supporting small and medium enterprises in their journey towards success.


If you own a business, you can check out Nirmaan for free. 
It's a Godrej Capital initiative made to assist the growth of MSMEs in India.


Disclaimer: The contents of this article are for information purposes only and not a financial advisory. The information is subject to update, 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 decisions, financial or otherwise based on the contents and information mentioned. For more information, please visit