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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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.


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.


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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.


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

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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Seasonal Business

Bad Credit Score and its Impact on Home Loan Eligibility

Are you dreaming of owning your own home, but worried that your bad credit history might stand in the way of getting a home loan? You're not alone. Many individuals with less-than-perfect credit scores wonder if they will ever be able to qualify for a mortgage. The good news is that while having bad credit can make the process more challenging, it is still possible to secure a home loan.


First off, let's address the elephant in the room – BAD CREDIT. A poor credit score can be a result of various factors such as missed payments, high credit card balances, or even bankruptcy. Lenders use your credit score as a tool to assess your creditworthiness and evaluate the risk of lending you money. However, having bad credit doesn't necessarily mean you can't get a home loan. 


How to get a Home Loan with Bad Credit Score? 

There are several options available for individuals with bad credit who are looking for a home loan in India. Here is what you can do if you are struggling with the same situation and need to buy a home-


Improve your Credit Score: One option to achieve a good credit score history is to work past it, that is the traditional route of improving your credit score before applying for a mortgage. This can be done by making timely payments on your existing debts, reducing your credit card balances, and checking your credit report for any errors that could be affecting your score. While this exercise may take some time, improving your credit score can significantly increase your chances of a successful home loan application.


Also Read: What can you do to improve your credit score?


Explore Alternatives: If waiting to improve your credit score is not an option, you can consider alternative lenders or government-backed loan programs. Some lenders specialize in providing home loans to individuals with bad credit, although they may come with higher interest rates and stricter terms. 


On the other hand, government-backed programs or government schemes for affordable housing such as Pradhan Mantri Awas Yojana (PMAY) or the Credit Linked Subsidy Scheme are designed to make homeownership more accessible to low-income individuals, including those with poor credit. 


You must also read: Understanding Pradhan Mantri Awas Yojana 2024 – Affordable Housing Scheme


Find a Co-applicant/Opt for Joint Home Loan: Co-application for home loan is a good choice for partners. Plus, a co-applicant with a stronger credit profile, such as a family member or spouse, can help strengthen your loan application and increase your chances of approval. Having a co-applicant with good credit can reassure lenders that the loan will be repaid on time, despite the primary applicant's credit history. However, keep in mind that if you fail to make payments on the loan, the co-applicant will be responsible for repaying the debt.


Also ReadMaximising Tax Benefits: Navigating the World of Joint Home Loan Ownership


While getting a home loan with bad credit may be more challenging, it's not impossible. With some research, planning, and possibly seeking the assistance of a financial advisor, you can increase your chances of qualifying for a mortgage and fulfilling your dream of homeownership. 


Remember, where there's a will, there's a way! Everyone deserves a place to call home, regardless of their credit history. So don't let bad credit hold you back from pursuing your homeownership goals.


Also Read: New Tax Regime vs. Old Tax Regime: Know the Difference & Effect on Home Loan 


Flexibility Feature in Godrej Capital Loans

Flexibility is a main feature of the loan products available at Godrej Capital. Whether you need a Home Loan, Business Loan, Loan Against Property, Professional Loan, or any other type of financing, Godrej Capital is committed to offering flexible loan solutions that enhance the ease and convenience of borrowing for individuals and businesses. 


The flexibility in loan options is designed to address your unique requirements and financial objectives, guaranteeing a smooth and stress-free borrowing process. Learn more about our Design your EMI (DEMI) feature and apply for a Loan with Godrej Capital today!


Like our features, but already availed Home Loan from elsewhere? Worry not. Apply for a Home Loan Balance Transfer with Godrej Capital and avail benefits of our flexible repayment on Godrej Capital Home Loans. 


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