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

Same-sex Partners: 7 Home Loan Tips

7 Things Same-Sex Partners Should Consider Before Applying for a Home Loan

In our society, having a home means feeling safe and like we belong. However, LGBTQIA+ people in India, about 10% of the population*, often struggle to get a joint home loan. Even though the LGBTQIA+ community is getting more acceptance, there are still challenges, especially in financial areas like getting home loans.


Understanding the importance of fairness, Godrej Capital supports the rights of the LGBTQIA+ community. Presently, Godrej Capital is the only financial institution offering loans to same-sex partners. In April 2023, Godrej Capital introduced the Home Loan for same-sex partners. The goal was to give everyone an equal chance to fulfil their dream of owning a home.


Also Read: Home Loan for Same-Sex Partners – A Loan That Does Not Differentiate


Benefits of home loan are many. But before you apply for a joint home loan with your partner, here are 7 things you should consider:


1. Joint Home Loan Basics:

Applying for a joint home loan can be a wise financial move. Joint applications can increase your chances of getting approved for a loan and might offer better interest rates. But it's important to know that both partners are equally responsible for repaying the loan and assessing the credit.


2. Joint Home Loan Benefits and Tax Implications:

You can get the benefits of joint home loan ownership, including tax deductions on both principal and interest repayments. Utilizing joint home loan tax benefits can greatly reduce the financial burden and improve long-term affordability. To compute taxes accurately, please utilize the tax calculator provided at this link.


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


3. Calculating Joint Home Loan Eligibility:

Before you ask for a joint home loan, it's important to check what the lending companies need. They look at things like your credit score, how stable your income is, and how much debt you have compared to your income. These things decide if you'll get the loan and how much interest you'll pay. Godrej Capital looks at the different needs of same-sex partners when they decide who can get a loan. They want to include everyone fairly.


4. Home Loan Calculators:

Use online tools such as home loan calculators. It will help you understand loan affordability, EMIs, and potential interest savings. These calculators provide valuable insights into loan repayment dynamics and enable informed decision-making. Godrej Capital offers user-friendly calculators tailored to the specific requirements of same-sex couples.


5. Competitive Interest Rates and Loan Tenures:

When you're looking for a home loan, it's smart to compare interest rates different lenders offer. Also, look at the options they have for how long you can take to pay back the loan. Godrej Capital offers affordable home loan interest rates that are easy on the wallet. They also let you take longer to pay back the loan, which can make things more manageable. With these options, same-sex partners can pick the loan plan that suits them best and makes paying interest less stressful. It's all about finding the right fit for your financial needs and making sure you're comfortable with the payments.


6. Understanding Personalized EMI Structures:

Take advantage of the flexibility provided by personalized EMI payments. With Godrej Capital's Design Your EMI, you can customize your repayment plan to fit changes in your income and expenses. This option allows same-sex partners to adjust EMIs according to their financial situation. It promotes long-term financial stability and peace of mind for them.


7. Considering Down Payment Ease and EMI-break Benefits:

When you're buying a home, it's important to look at different ways to pay the initial amount. Consider your down payment choices carefully. Look into creative financing methods like Parallel Funding. This can help make buying a home less financially stressful. Another thing to think about is the 12-month EMI break for homes that are ready to move into. This special offer can give you some financial relief when you're transitioning to your new place.


Take your time to explore these options and see which ones work best for you. Don't rush into any decisions about how you'll pay for your home. It's worth taking the time to find the right solution for your financial situation.


In summary, securing a home loan as same-sex partners involves careful deliberation and foresight. With Godrej Capital's Home Loan for Same-Sex Partners, you gain a supportive ally.


We are committed to making your homeownership dreams a reality. Let's make everyone feel included and move forward together toward a brighter future. This means that we accept individuals regardless of their orientation. So, they can cherish the pride and security of owning a home.


Explore Godrej Capital’s hassle-free Home Loan process, by applying here


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