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.


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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 Make Your Business Festival Ready?

India, also known as the land of festivals, celebrates a multitude of cultural and religious occasions throughout the year. While these festivals add to the joy, unity, and a unique sense of togetherness among people, they also present an opportunity for small business owners to thrive and prosper by capitalising on the busiest time of the year.


According to studies, about 40% of annual sales for businesses across categories are driven by the festive season. As consumer demand skyrockets, the sale of clothing, home furnishing, electronics, and jewellery, among others, also experience a significant rise indicating a positive spending pattern triggered by the festive season. This brings together a golden chance for micro, small, and medium enterprises (MSMEs) to grab the opportunity to expand and grow their business.


If you are a small business owner looking to make the most of the pulsating energy of the upcoming festive season to boost your business growth, here’s how you can make your business festival-ready:


Stocking up Inventories
The festive season calls for extra demand in supplies. While most consumers believe in shopping for new things, most businesses set up sales targets to make the most of the festive season. Business owners have a good estimate of the demand that comes their way during festivals. To avoid missing any opportunities, stocking up on inventories and supplies well ahead of time is the best way to plan for the upcoming festivals.


Introduce Seasonal Products
Every enterprise mostly has festive highlights within its business offerings. Certain products or services perform well in the market, especially during the festive season. Identify these and ride on the tide of festivals to generate more revenue. Make special arrangements to introduce seasonal products, promote them specifically for the festive season, and/or introduce special offers to grab the attention of the consumers.


Increase Manpower
Be it a product-centric business or a service-driven enterprise, the surge in demand during the festival adds extra pressure on delivery. Often, the quality of business offerings ends up getting affected due to the high demand of the festive season. The best way to make sure the ability and excellence of the business are maintained is to introduce manpower ahead of the festive season. Train them for business efficiency and match the high demand of the festive season without letting it affect productivity and competence.


Introduce New Machinery
Most product-driven businesses have their manufacturing units set, but they need to keep introducing new machines to expedite the production process. Service industries mostly rely on manpower to meet seasonal demands. It is a good idea to introduce new technology and software to accelerate and meet your customer satisfaction. When the demand is at its peak, it’s essential for small businesses to stock up on adequate supply and leverage new-age tools to make the festive season fruitful.


Make Product/Service Innovations
While every business has its classics, the enthusiasm of the festive season calls for innovative business offerings. The idea of being able to purchase or avail of season-specific products or services makes customers feel good. In addition to being able to avail of business offerings that are usually available, festive season innovations are a good way to make extra profits.


With the festival season being just around the corner in India, it's the perfect time for small businesses to ramp up their efforts and plan their strategy for the upcoming festivals. To recover from the losses suffered during the pandemic over the past few years, it's especially crucial for business owners to replenish their inventory and procure necessary materials. However, the biggest challenge MSMEs face during this time is their inability to meet capital requirements. Investing in inventory before the festival season can be challenging for small businesses, especially those that don't have sufficient cash reserves. The lack of reliable financing options externally also makes it difficult for small business owners to be prepared for the surge in demand during the festive season.


Small businesses require a steady flow of capital to maintain inventory levels, purchase raw materials, and cover other expenses. Unfortunately, traditional financing options like bank loans can be hard to secure due to strict eligibility criteria and lengthy application processes. This is where specially designed loans for businesses can come to the rescue. These types of loans cater to the needs of small businesses, by offering them quick and easy access to funds. The process of obtaining such loans is also usually simple. Small business owners can apply online, submit basic documents, and receive the funds within a few days.


The festival season is a crucial time for small businesses, and the lack of reliable financing can pose a significant challenge. Small business owners should explore their business loan options and choose a loan that suits their specific requirements to maximize the benefits of the festival season.


To support MSMEs growth during these times and beyond, Godrej Capital has launched loans for businesses in both secured and unsecured product categories with flexible repayment options.


Godrej Capital recently introduced Udyog Loan Against Property (LAP), a type of secured loan option, which allows the borrower to obtain financial help by pledging their property as collateral. It is aimed at enabling MSMEs to meet their immediate funding requirements without having to liquidate their property. Udyog LAP can be availed easily against a variety of collaterals, including plots, commercial property, and residential property, among others. With higher loan eligibility on multiple income sources, longer repayment tenures, quick loan approvals, and attractive interest rates, this loan can help you grow your business with ease. Godrej Capital Business Loan, on the other hand, is an extremely flexible loan option that can be availed collateral-free. The key offerings of this type of business loan include designing your own EMI plans, paying only interest for up to 12 months, and receiving exciting rewards for timely repayment. Moreover, its 100% digital and quick loan approval helps you get certainty on your loan eligibility in a hassle-free manner.


Additionally, Godrej Capital also introduced Nirmaan - a comprehensive business solution designed to assist MSMEs in their expansion and growth. Nirmaan goes beyond financing and facilitates a range of support services, including professional legal assistance, upskilling opportunities, and day-to-day operational management. To learn more about Nirmaan, click on


The contents of this article are for information purposes only & not a financial advisory. For more details, please refer to the product or service document and/ or connect with our customer representative prior to making any financial decision. The information is subject to update, completion, 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 financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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