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.


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. With quick loan approvals and attractive interest rates, our goal is to help your business achieve growth.


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.


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.


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

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.


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

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.


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

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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udyog lap multiple income streams

Udyog LAP: Multiple income streams, single loan solution

Small business owners wear many hats! Your role is diverse, as you manage operations, marketing, sales, and more. This also extends to managing finances, as many businesses earn money from different sources like product sales, client services, property rentals, and investments.


Traditionally, securing a loan could be a challenge if your income came from multiple streams. But what if your diverse income streams paint a robust financial picture? That's where Godrej Capital’s Udyog Loan Against Property for MSMEs steps in.


What is Udyog LAP?

Udyog LAP (Loan Against Property) is a loan product designed by Godrej Capital specifically for Micro, Small and Medium Enterprises (MSMEs). It's a secured loan, meaning you'll mortgage a property you own to secure the loan. Udyog LAP considers a wide range of collaterals other than industrial, residential, and commercial properties.


Also Read: A Comprehensive Guide to Udyog Loan Against Property: Everything You Need to Know


Udyog LAP for Small Businesses: A Boon for Business Growth 

Udyog LAP recognizes the realities of small businesses today. It understands that your income might flow from various sources and considers all of them when assessing your loan eligibility. This is a game-changer for businesses with:

  • Freelance income: If you consult or provide freelance services, your income might fluctuate. Udyog LAP considers this income stream, providing a more holistic view of your financial health.


  • Rental income: Owning rental properties can be a great way to generate passive income. Udyog LAP factors in this income, giving you access to potentially larger loan amounts.


  • Business ventures: Perhaps you have side businesses alongside your main venture. Udyog LAP acknowledges this additional income, strengthening your loan application.


By considering your multiple income sources, Udyog Loan Against Property eligibility criteria open doors to the financial resources you need to fuel your business growth.


Benefits of Udyog LAP for Small Businesses

Udyog LAP goes beyond recognizing your diverse income. Here's how it empowers your business aspirations:

  • Higher Loan Eligibility: With a broader assessment of your income, Udyog LAP allows you to qualify for a larger loan amount and has a higher eligibility. This translates to bigger investments in equipment, marketing, or inventory.


  • Competitive Interest Rates: Udyog LAP offers attractive interest rates, making your loan repayment more manageable and allowing you to free up capital for other business needs.


  • Flexible Repayment Option: Structure your EMIs comfortably and avoid financial strain. You can Design Your EMI as per your cashflow requirements and pay interest-only for a specified period.


Also Read: Flexibility of Repayment in Business Loans


  • Longer Loan Tenure: Enjoy a longer repayment tenure of up to 15 years. This lets you enjoy lower EMIs spread over a long period of time.


💡Pro tip: Use Udyog Loan Against property EMI calculator to effectively management your EMIs.

  • Multiple Collateral Options: Udyog LAP accepts a variety of properties as collateral, including commercial spaces, residential units, or even land. This flexibility ensures you can secure the funding you need without limitations.


  • Flexi Funds: Udyog LAP offers Flexi Funds, an overdraft like facility. This facility sanctions a pre-defined limit. It lets you withdraw and repay funds as per your convenience in just a few clicks. The best part is that you’d need to pay interest only on the amount utilised.


Also Read: Overdraft Facility and Flexi Funds: All You Need to Know


Unlock Your Business Potential with Udyog LAP

Udyog LAP is a breath of fresh air for small business owners who operate with varied income streams. It acknowledges the multifaceted nature of your business and empowers you to achieve your financial goals.


Don't let limited loan options restrict your business growth. With Udyog LAP, you can access the funding you deserve to turn your aspirations into reality.


Secure the funding your business needs with Udyog LAP's flexible eligibility criteria and competitive interest rates. Apply Now


Disclaimer: 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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