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

Should I Opt for loan against property

Top Successful MSME Businesses in India (2024)

India has been the land of the fastest growth and development over the past few decades. We have witnessed the glory of technology, businesses and developing regions nationwide. One of the key reasons for India's economic growth is the Micro, Small and Medium Enterprises (MSME). According to a recent report, on September 16, 2022, Minister Narayan Rane said that MSMEs have contributed one-third to India's gross domestic product and have the potential to grow further.


The government and financial institutions in the country are encouraging people to start businesses. By doing so, you will contribute to the country's overall growth and push India further up the ladder globally.


Top Successful MSME Businesses in India

Before we take a look at the different MSME businesses in India, let's take a look at the criteria in terms of investment and annual turnover for a business to fall under the MSME sector:



Maximum Investment

Maximum Annual Turnover


INR 1 crore

INR 5 crore


INR 10 crore

INR 50 crore


INR 50 crore

INR 250 crore


So, if your business investment and turnover fall within this range, you are part of the benefits, schemes and other provisions for MSME in India.


The MSME sector is mainly divided into two categories: manufacturing and service. Let's take a look:


  1. Manufacturing Sector

    According to a recent report, MSMEs in India's GDP is expected to grow 100% by 2025. Businesses in the manufacturing sector mainly produce goods. The investment in plant and machinery and annual turnover also play a vital role in categorizing SME businesses under this category.


If you are looking for unique business ideas in India or need low investment business ideas, here are some of the thriving manufacturing businesses under MSMEs in India:



Construction Materials


Oil, Gas, Coal

Electronic and Electrical Goods

Industrial Supplies

Industrial Engineering

Renewables and Environment

Food Processing

Packaging Material and Supplies

Agriculture and Farming

Medical and Healthcare Products

Automobile Parts and Spares


Khadi Products


MSME businesses in these manufacturing industries have shown extreme potential and growth in India. Regarding the Khadi and Food processing industries, the Government of India has undertaken various initiatives to support and encourage SME businesses. The Ministry of MSME introduced the Scheme Fund for Regeneration of Traditional Industries (SFURTI) and the Prime Minister's Employment Generation Programme (PMEGP) to help and support MSME businesses flourish in the non-agriculture sector.


Government supports the business ideas and initiatives of the MSME sector. According to a report, the MSME Ministry also launched A Scheme for Promotion of Innovation, Rural Industry and Entrepreneurship (ASPIRE) to foster innovation and the creation of new businesses, including those engaged in food processing. By providing them with support for selling their products through Khadi & Village Industries Commission (KVIC) sales outlets, the Ministry of MSME is also helping micro industries market their agriculturally based products like papad, masala, jam, jelly, etc.


Also Read: Funding for Small Business? Explore Government Schemes and Loan Options


Some of the products the government has exclusively marked for manufacturing by the MSME industry are:


  1. Food and Allied Industries
    • Pickles
    • Bread
    • Groundnut Oil (except solvent extracted)
    • Chutneys
    • Mustard Oil (except solvent extracted)


  1. Chemical and Chemical Products
    • Laundry Soap
    • Wax Candles
    • Fire Works
    • Safety Matches
    • Agarbattis


  1. Glass and Ceramics
    • Glass Bangles


  1. Mechanical Products, excluding Transport Equipment
    • Steel almirah
    • Rolling shutters
    • Steel chairs-All types
    • Steel tables-All other types
    • Steel furniture-All other types
    • Padlocks
    • Stainless steel utensils
    • Domestic utensils-Aluminium


  1. Wood and Wooden Furniture
    • Wooden Furniture and Fixtures


If you are looking for the best business ideas or need business ideas for women, you may consider the above list. Many of these business ideas are low investment, so you can have an easy start. 


  1. Services Sector

According to a recent report, the Service sector contributes to 58% of India's GDP. The MSME industry makes up most of the service sector offerings. Some of the best business ideas to take inspiration from are in the services sector! Some of the popular SME services in India are:


Food Catering

Small Restaurants

Appliances Stores

Beauty Parlour

Cloud Kitchens

Electronic Surveillance and Security

Food Vans


Energy Efficient Pumps

Engineering and Fabrication


IT Solution Provider

Laundry and Dry Cleaning

Multi Channels Dish Cable Antenna

Photo Studio



Printing Services

Consultancy Services

Rental and Leasing of equipment

Servicing of Agricultural Farm Equipment


Grocery Stores


Testing Labs for industries

Training and Educational Institution

Diagnostic Centers

Medical Clinics

Apparel Stores

Electronic Accessories

Repair and Restoration Work


Fitness Centres


The small businesses have played a successful role in making life more convenient and products accessible to everyone. They have also been crucial in developing rural and semi-urban areas by providing employment opportunities and utilizing people's skills and raw resources. However, service sector MSMEs do face some challenges. One of the major challenges is the availability of working capital. To aid this situation, small businesses should move toward flexible and safe business loans. 


Also Read: Everything you need to know about Business Loans – A definitive guide 


Government Schemes for Small Businesses in India




Credit Guarantee Trust Fund for Micro & Small Enterprises (CGTMSE)

Established by the Ministry of MSME and Small Industries Development Bank of India (SIDBI) only for Micro and Small Enterprises

Prime Minister Employment Generation Programme (PMEGP)

Under this scheme, any new project in the manufacturing sector worth up to INR 25 lakh and a new business/service sector worth up to INR 10 lakh will get financial assistance.

Interest Subsidy Eligibility Certificate (ISEC)

For the promotion of Khadi and Village Industry products

Market Promotion & Development Scheme (MPDA)

For the promotion of Khadi and Village Crafts

Revamped Scheme of Fund for Regeneration of Traditional Industries (SFURTI)

This was established to improve traditional industries, emphasizing traditional skills, and ensuring long-term sustainable income for rural artisans

ZED Certification

Stands for Zero Defect and Zero Effect (ZED). It aims at reducing waste and improving productivity. All MSMEs with Udyog Aadhar are eligible

National Manufacturing Competitiveness Programme (NMCP)

To enhance competitiveness in the MSME sector to promote growth.

Entrepreneurship and Skill Development Programme (ESDP) Scheme

Encouraging entrepreneurship and growth of MSMEs in India


The government has also introduced positive reforms for the MSME industry under Atma Nirbhar Abhiyan. Let's take a look:


  • Availability of INR 3 lakh crore collateral-free and automatic loans
  • MSMEs can now enjoy INR 20 crore subordinate debt
  • An infusion of INR 50,000 crore was done through the MSME Fund of Funds


What are Other Loan Options Available?

There are many types of loans in India. If you have a property that you can offer as a collateral, you can opt for mortgage loan a.k.a Loan Against Property, or Business Loan Against Property. If you don’t have any collateral or a property that can be mortgaged, you may opt for unsecured Business Loans


Getting Started

Starting a business doesn't have to be a dream anymore! Take inspiration from the endless opportunities we have listed for you in the MSME industry. With Loans for Business, you can make your business dreams come true! Take the next step, apply now.


Also Read: A Complete Guide to the Different Types of Loans Available in India


Need more information, visit our Knowledge Center to learn more about loans and funding options.


Related FAQs - 

Q.1. I have some new business ideas. Can I get business loan from Godrej Capital?

Godrej Capital offers Business Loans with some pre-defined criteria. One of the criteria is for a business to have a vintage of 3+ years. Although, unsecured business loan can’t be availed if you are starting a new business, you may consider Loan Against Property or Udyog Loan Against Property.

Q.2. I have low investment business ideas. I want to start a new business. Can I get Loan Against Property?

Yes, you can avail Loan Against Property to start a new business. Loan Against Property has no end-usage restrictions. 

Q.3. How can I calculate loan EMI?

Calculate monthly loan EMI using a simple online loan EMI calculator. Click here to access

Q.4. I want to expand my business and need funds. Can I get a Business Loan?

You can get Business Loans to meet your business requirements. But first, you may want to check your eligibility. A lender considers various factors before sanctioning business loans. With an online Business Loan Eligibility calculator, you can easily assess your business loan eligibility.

Q.5. How to apply for a Business Loan for Women?

Godrej Capital offers tailored Business Loans for Women. Simply click here to apply now and get funding as per your unique business needs.


Disclaimer: The names used in this article are fictitious and are used for representational purposes only.


The contents of this article is for information purpose 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 taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.