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!


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


What is Loan Against Property? Features, Eligibility, Documents, and more

Owning a private business in Mumbai, Jai dreams of expanding his venture to other cities and needs substantial funds. He had heard about Loan Against Property but wasn’t sure how to avail it. On a Sunday morning, Jai began exploring his options. Soon, he started a conversation with his friend, Veeru, a successful business owner himself. 


Jai- Hey Veeru! What a pleasant surprise to see you here!


Veeru- Hi Jai! How are you? How are you expansion plans working?


Jai- Things are alright as such. However, I am a little worried about funds for setting up my new offices.


Veeru- Oh, is it? Have you thought of any way through which you want to arrange the funds?


Jai- Yes. I am planning to get a Loan Against Property for small business of mine. However, I am not sure how to get Loan Against Property.


Veeru- Hmm. I think I can help you here. You see Jai, there are certain aspects that you need to be mindful of before opting for Loan Against Property. First, let us understand what is Loan Against Property LAP.


Also Read- Glossary- A Guide to Most Used Terms in Loan Against Property


Loan Against Property is a mode of finance where the lender provides funds against the property. This loan can be against fully constructed, freehold residential and commercial properties for your personal or business needs. Both salaried or self-employed individuals can avail this type of loan. Understood?


Jai- Yes! But how do I know which lender to choose?


Veeru- This is the first step before you take any long-term financial decision, my friend. You see, there is no shortage of lenders in the market offering Loan Against Property. However, you need to base your research on several parameters-


  1. Credibility or reputation of the lender
  2. Maximum tenure offered
  3. Rate of interests offered
  4. Flexible repayment strategy
  5. Post-sale services


Benefits of Loan Against Property varies from lender to lender. My advice is to research well on the lenders available in the market. There are aggregator portals that can assist you to compare offerings from multiple lenders. If you have a lender in mind, I suggest visiting their official website or contacting their customer representative. 


Jai- That’s useful! Could you tell me about the quantum of funds that I can expect?


Veeru- Well, it varies across lenders. Before deciding the amount, the lender will appraise your property. The amount will then depend on the prevailing market value.

Generally, lenders sanction approximately 60% to 70% of the value of the property as a loan. So, if the value of your property is INR 1 crore, you can expect funds worth INR 60 to 70 lakhs.


Jai- Alright. What’s the eligibility for Loan Against Property?


Veeru-  The Lender’s website mentions eligibility of Loan Against Property. After you zero-in on a lender, visit the official website to know the eligibility criteria. Generally, have a good CIBIL score and a minimum income limit to fulfil Loan Against Property eligibility. You can find all the information on your preferred lender’s website.


Also Read- Loan Against Property vs. Other Loans- Making an Informed Choice


Jai- What are Loan Against Property interest rates that can I expect?


Veeru- The Loan Against Property interest rate is on the lower side as it’s a secured loan. However, the rate of interest for Loan Against Property varies across lenders. It is affected by several factors like your profile, type of property for mortgage, loan tenure, etc.


Thus, while making a choice, competitive rate of interest should also be a point of consideration. Interest rate directly impacts your EMI amount. In case, you want to calculate monthly EMI, use online EMI calculator. These online Loan Against Property EMI calculators can you help you plan your finances efficiently.


Jai- I see! What are the documents required for Loan Against Property that I need to produce along with the loan application?


Veeru- You need the following Loan Against Property documents-


  1. KYC documents (proof of identity and address- Aadhaar number, passport, driving license, voter’s identity card)
  2. Proof of Income
  3. Property-related documents


The documentation varies from lender to lender. I advise that you visit the official website of the chosen lender to acquire a complete list. You can also get in touch with the customer care representative to get an in-depth understanding.


Jai- Thank you for the information, Veeru. Do you know any credible lender offering Loan Against Property?


Veeru- Today, there are multiple lenders in the market. You can apply online for a Loan Against Property very easily. The choice of lender depends on your requirement. However, out of my personal experience, I recommend Loan Against Property from Godrej Capital. They are fair, fast, and flexible, above all, their offering brings multiple benefits such as-


  1. Low interest rates starting at 9.75% per annum
  2. Longer tenure of up to 25 years
  3. Offers up to 85% of the market value of your property
  4. Loans available for residential, industrial, and commercial properties


Jai- Oh, that’s great. I will immediately check out more about the offering online.


Veeru- While you research, you need to be mindful of the repayment strategy. Apply for a loan that you can repay easily. Flexibility in repayment is essential. Godrej Capital offers Design Your EMI with which you can chose your repayment plan. Also, do read the terms and conditions carefully before signing the loan documents. 


Most people make the mistake of choosing a loan solely based on the Loan Against Property interest rate. Don’t commit that mistake. Take into consideration the lender’s credibility and the flexibility on offer. As a Loan Against Property is a long-term commitment, these small things matter significantly.


Jai- That was quite a session, Veeru! I believe a hot cup of tea is a great way of saying thanks!


Godrej Capital Loan Against Property Flexi Funds

Godrej Capital recently launched Flexi Funds. This Overdraft-like facility gives you a pre-approved sanctioned limit. You can withdraw and repay funds as per your convenience and requirements. 

The best part is that you only need to pay interest on the funds you utilise. This facility helps small business owners manage their cashflows. 


Apply now


Also Read- Loan Against Property versus Loan Against Property Flexi Funds- Which One Fits Your Needs?


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


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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