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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Top 5 Challenges

Solving the Top 5 Challenges of Availing Business Loans in India

Securing a business loan in India can be an intimidating task, with businesses often facing challenges that can delay their growth and expansion plans. When business owners first apply for a business loan in India, the process can often feel extensive. From the loan application process to eligibility criteria, there’s a lot that goes into securing finances. This article covers various challenges faced by entrepreneurs when availing business loans and provides solutions to help you overcome these problems. 


Whether you're a seasoned business owner or just starting, this article will help you understand and navigate the complex world of business loans in India. 

  1. Lack of Collateral:

    One of the primary challenges businesses encounter when they apply for an MSME loan is the requirement for collateral. Traditionally, lending institutions demand tangible assets as security in exchange for financing, making it difficult for many small businesses to qualify for loans. A significant portion of MSMEs operate in the informal sector and lack substantial assets which poses a major barrier.


    Businesses can explore different types of loans for businesses or MSME loans such as unsecured business loans and government schemes like the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). Various banks and NBFCs offer collateral-free MSME loans, enabling business owners to access loans without mortgaging assets. Additionally, building a strong credit history and maintaining transparent financial records can enhance credibility, making it easier to secure loans without collateral.

  2. High Interest Rates:

    Another common obstacle for MSME loans is the interest rate charged by lenders, especially in the informal credit market. Small businesses often struggle to afford expensive borrowing costs, which can significantly impact their value and sustainability.


    MSMEs can ease the impact of high interest rates by comparing loan offerings from various financial institutions. Exploring government schemes and initiatives aimed at providing subsidized credit to MSMEs can also prove an alternative to higher borrowing costs. Additionally, maintaining good credit score can lead to help in favourable loan terms and low interest rates.


    Also Read: Seizing Opportunities: Short-Term Loans for Small Businesses

  3. Limited Access to Formal Credit:

    Many MSMEs, particularly those operating in rural or underserved areas, face challenges accessing formal credit channels due to inadequate banking infrastructure and documentation requirements. This forces them to rely on informal sources of finance, which often come with higher costs and greater risks.


    MSMEs can leverage modern day lenders such as non-banking financial companies (NBFCs) and fintech firms, which utilise technology and digital platforms to streamline loan application processes nationwide. Various government initiatives such as the Pradhan Mantri Mudra Yojana (PMMY) aim to extend credit facilities to small businesses through a network of banks, microfinance institutions, and NBFCs. By leveraging these initiatives and embracing digital financial solutions, MSMEs can expand their access to formal credit.

  4. Complex Application Procedures:

    Securing MSME loans from traditional financial institutions can be daunting due to bureaucratic processes and complex application procedures. This challenge is particularly daunting for small businesses with limited resources and expertise. Complex documentation and strict eligibility criteria make it even harder for small businesses to access formal financing, leading many to avoid it altogether.


    MSMEs can seek assistance from financial advisors, consultants, or industry associations specialising in helping with loan applications. These professionals can guide businesses through the process, help them prepare the necessary documentation, and navigate the intricacies of loan approval criteria. Additionally, exploring digital lending platforms that offer simplified application processes and quick approval turnaround can streamline the borrowing experience for MSMEs.

    Did you know? You can check your eligibility and calculate your EMI using an eligibility calculator and an EMI calculator, respectively.

  5. Volatile Economic Environment:

    The variable nature of the economic environment, including factors such as market fluctuations, policy changes, and global economic trends, can pose significant challenges for MSME loans. Economic uncertainty can impact business performance, creditworthiness, and lender risk perceptions, making it harder for small businesses to secure financing.


    While MSMEs may not have control over macroeconomic factors, they can mitigate the impact of economic uncertainty by adopting proactive risk management strategies and maintaining financial resilience. Expanding revenue streams, building cash reserves, implementing robust financial planning, and forecasting processes can help businesses weather economic uncertainties and improve their creditworthiness in the eyes of lenders. Additionally, staying informed about government policies, industry trends, and market developments can empower MSMEs to adapt their business strategies and financial management practices accordingly.

Also Read: 8 Advantages of Business Loans for MSMEs


Godrej Capital is dedicated to supporting micro, small and medium enterprises in India with MSME financing and holistic support. Godrej Capital offers a range of financial products and services tailored to suit the needs of MSMEs, including secured and unsecured business loans. The company strives to empower MSMEs with flexible and accessible financing options and focus on innovation and customer-centricity.


Additionally, Godrej Nirmaan plays a crucial role in helping the MSMEs grow by empowering them with solutions that can help them overcome various business problems. Godrej Nirmaan is 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.


Also Read: Godrej Capital Nirmaan – An Initiative to Empower MSMEs


Despite challenges, businesses in India can overcome MSME loan-related obstacles. They can leverage alternative financing options, embrace digital solutions, and adopt proactive financial management strategies. MSMEs can strengthen their financial resilience and fuel sustainable business growth by addressing the root causes of these challenges.


Businesses looking for capital to fulfil their business goals can apply for a loan here.


Also Read: 10 Powerful Tips to Grow Your Small Business 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