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.


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Lease Rental Discounting


Want to leverage your rental earnings to get a loan? We offer industry-best loan-to-value Lease Rental Discounting, allowing you to explore new business opportunities, fund personal expenses, or even pursue higher education. Unlock the value of your assets without selling them.


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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.


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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Understanding Overdraft Facility: A Simple Explanation

Understanding Overdraft Facility: A Simple Explanation

Running a business is like walking a financial tightrope, where every decision matters.

Business owners are mostly in a fix about which type of loan to opt for based on their business requirements. A term loan like an unsecured Business Loan or a Loan Against Property, or an Overdraft Facility (OD)? Or an OD-combined with term loan? We understand your struggle.

But what is an Overdraft Facility? How is it different from a term loan? And how can you leverage it for your business needs? This blog will help you understand all of this.


What is an Overdraft Facility for Businesses?

An Overdraft Facility is like a pre-approved credit line that is available for you instantly when your business requires extra funds. Unlike the regular term loan process that sometimes involve longer waiting hours and lots of paperwork, an Overdraft Facility usually doesn't take as longer and with high digital-adoption could just be a few clicks away. This is particularly useful in emergencies or when you need to efficiently manage your business cashflows. The highlight of this facility is that you need to pay interest on the amount you withdraw only.


Understanding the Overdraft Facility with an Example:

Let’s picture this: Your lender offers you an Overdraft limit of INR 50,00,000. You currently have INR 5,00,000 in your account, but there's a sudden expense of INR 8,00,000. To cover the difference of INR 3,00,000, you can access your Overdraft account and access funds in just a few clicks. It's like a short-term loan that you can withdraw and repay based on your convenience from a sanctioned limit, while you only have to pay interest on the specific amount you borrowed, in this case, the INR 3,00,000.


Key Characteristics of an Overdraft Facility:


  1. Predefined Credit Limit: The predefined credit limit in an Overdraft Facility isn't a one-size-fits-all deal. It's tailored to each borrower, considering factors like creditworthiness and business requirements. So, whether you're a small business or an established enterprise, the credit limit is crafted to suit your unique financial needs, offering a personalized financial safety net.


  2. Cost-effective: One of the perks of an Overdraft Facility is its cost-effectiveness. Unlike traditional term loans where you pay interest on the entire approved amount, here, you only pay interest on the actual funds you use. This ensures that you're not burdened with unnecessary costs, making the OD a financially savvy choice for businesses looking to optimize their borrowing expenses.


  3. No Repayment Charges: Repayment should be on your terms. With an Overdraft Facility, there are no additional charges for repaying the borrowed amount. This means you can settle your dues at a pace that aligns with your cash flow, providing the convenience of choosing a repayment schedule that suits your business's financial rhythm.


  4. Flexible Repayment: In the world of Overdraft Facilities, flexibility is the name of the game. Unlike traditional term loans that come with fixed Equated Monthly Installments (EMIs), an OD facility gives you the freedom to repay without these rigid constraints. This adaptability is a game-changer, allowing you to tailor your repayment strategy according to your business's financial ebbs and flows.


Advantages of Overdraft Facility:


  1. Accessibility: Quick approvals simplify borrowing, ensuring swift access to funds for urgent needs, maintaining your business's agility.


  2. On-Demand Credit: It allows you to access credit precisely when needed, acting like a versatile financial toolbox catering to your business's evolving demands.


  3. Interest Efficiency: Cost-effectiveness is a highlight; you're charged interest only on the amount you use, steering clear of unnecessary costs.


  4. Emergency Funding: Easily navigate unforeseen expenses, ensuring your business remains resilient and experiences uninterrupted continuity.


Overdraft Facility or Term Loan?

When deciding between an Overdraft Facility and a Term Loan for financing, it is important to consider your specific purpose, cash flow needs, and tolerance for risk. If you have a specific project or expense to fund and prefer structured repayments with lower interest rates, a term loan may be the better choice. On the other hand, if you need a safety net for fluctuating cash flow or unforeseen expenses, an overdraft facility provides the necessary flexibility. It is also imperative that you consider your comfort level with interest rate fluctuations and repayment schedules - if stability and predictability are important to you, a term loan may be more suitable, while if real-time capital and recurring funds are a priority, an overdraft facility may be preferred. Ultimately, it is important to choose the option that aligns with your financial goals and empowers you to meet your capital needs.


Also Read: Overdraft Facility vs. Term Loans: Making the Right Financial Choice


An Overdraft Facility, for simple ease of business, emerges as a valuable resource for business owners and can act as a financial safety net for unexpected expenses. However, before you apply for Overdraft Facility, it's crucial to grasp that it's not free money – use it judiciously to foster your business's growth when needed the most. Keep a keen eye on interest rates and potential fees for a financially savvy approach to borrowing.


Introducing Godrej Capital Flexi Funds: Your Partner in Business Growth

When running a business, having a reliable partner that understands your needs and provides flexible solutions is important. That's where Godrej Capital’s Flexi Funds come into play, offering a seamless and adaptable approach to financing for businesses of all sizes.


Godrej Capital has introduced Flexi funds, a facility-like Overdraft, along with its products Loan Against Property and Udyog Loan Property Property for small business or MSME owners.


What sets Godrej Capital’s Flexi Funds apart?


  1. Competitive Interest Rates: With interest rates starting from as low as 9.5%, Godrej Capital Flexi Funds offer businesses a cost-effective solution for their financing needs.

  2. Zero Touch, Zero Hassles: We understand the importance of simplicity and efficiency. With Godrej Capital Flexi Funds, accessing funds is as easy as a few clicks, ensuring minimal hassle and maximum convenience for business owners.

  3. Withdrawable Limit up to INR 15 Crores: Whether you need funds for expansion, working capital, or unforeseen expenses, Godrej Capital’s Flexi Funds provide businesses with access to substantial credit limits to support their growth ambitions.

  4. Convenient Loan Repayment Options: We believe in empowering businesses to manage their finances on their terms. With convenient repayment options, businesses can choose a repayment schedule that aligns with their cash flow dynamics.

  5. Top-notch Customer Support: At Godrej Capital, we prioritize customer satisfaction above all else. Our dedicated support team is available to assist you every step of the way, ensuring a smooth and seamless borrowing experience.


Understanding Godrej Capital Flexi Funds Variants:


Godrej Capital Flexi Funds offer five distinct variants to cater to the diverse needs of businesses:


  1. Monthly: Monthly reduction from the available Flexi Fund limit.

  2. Quarterly: Quarterly reduction from the available Flexi Fund limit.

  3. Half-yearly: Half-yearly reduction from the available Flexi Fund limit.

  4. Annual: Annually reduction from the available Flexi Fund limit.

  5. Hybrid: No reduction for the first 2 years, followed by monthly reduction thereafter.


Example of Godrej Capital Flexi Funds in Action:


Let's consider a scenario where a business secures a Flexi Funds limit of INR 60 lakhs:


  • If the business opts for the Monthly mode, the sanctioned Flexi Fund limit will reduce by INR 1 lakh every month, eventually reaching zero by the end of the tenure.
  • In Quarterly mode, the sanctioned Flexi Fund limit reduces by INR 3 lakh every quarter.
  • In half-yearly mode, the available Flexi Fund limit reduces by INR 6 lakh every 6 months.
  • In annual mode, the available Flexi Fund limit reduces by INR 12 lakh every year.
  • In the Hybrid mode, the available Flexi Fund limit remains constant for the first 2 years. Afterward, it transitions to a monthly reduction, allowing businesses to benefit from stable funding initially and increased flexibility later on.


In all these cases mentioned above, businesses have the freedom to withdraw funds as needed and repay them at their convenience, with interest charged only on the amount utilized.


Unlock the Potential of Godrej Capital Flexi Funds:

Whether you're a small business or a well-established enterprise, Godrej Capital’s Flexi Funds offer the financial flexibility and support you need to achieve your business goals. With competitive interest rates, convenient interest-infused repayment options, and top-notch customer service, Godrej Capital is your trusted partner in business growth.


Apply now and unlock the power of Godrej Capital’s Loan Against Property Flexi Funds and Udyog Loan against Property Flexi Funds to take your business to new heights of success!


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