Home Loan


Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.


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

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

Balance Transfer


With our Balance Transfer option you can transfer your existing home loan to Godrej Capital and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.


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

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

Professional Loan


We empower you to scale your medical practice with modern equipment, improve patient facilities or hiring skilled staff with our Professional Loan for Doctors.


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

Udyog Loan Agaginst 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

Should I Opt for loan against property

You Asked, We Answered

Have you ever wanted to start a business but were too afraid because you thought it was too risky? Have you refrained from pursuing your business dreams because you lacked finances? Steve Jobs, CEO & Co-founder of Apple, once said, "You have to be burning with an idea, or a problem, or a wrong that you want to right. If you're not passionate enough from the start, you'll never stick it out." So, if you have a business idea, wait no more!


Here are some questions you may have, and we have all the answers!


  1. What are some small scale business ideas?

    Small businesses are the pioneers of development in the country. Various regions are developed with the help of small businesses employing people and using community resources to meet demand. Here are some of the small business ideas that will help you be successful:

    • Food Catering/Tiffin Service

    • Cloud Kitchen

    • Candle Making

    • Tutions

    • Bakery

    • Grocery Store

    • Baby Sitting

    • Salon/Spa

    • Photography

    • Event Management

    • Marketing Agency

  2. What are some tips to starting up your own small business?

    If you have a business idea and want to start a small business, you first need courage and willingness to take up calculated risks. Then draw up a business plan and study the market related to the business you wish to start. Consider taking a loan for financial assistance and working capital needs. Some of the best business loan options are loan against property which offers you the convenience of a longer repayment period, continued use of the hypothecated property, low interest rates, and higher loan amount.


  3. What's an SME?

    Small and Medium Enterprises are known as SMEs. A business is considered a small business when its investment amount ranges from Rs. 1 crore to Rs. 10 crores. Its turnover is between Rs. 5 crores to Rs.50 crore. Moreover, a business is considered a medium enterprise when its investment exceeds Rs. 50 crore and it has a turnover of not more than Rs. 250 crores.


  4. What is the importance of SMEs?

    Small and Medium Enterprises (SMEs) are crucial for a country's economic growth. These businesses are responsible for meeting people's everyday needs and providing employment. They are flexible and often responsible for innovation and creativity in terms of goods and services. SMEs create a healthier business environment by keeping a balance in competition. According to the Ministry of Micro, Small & Medium Enterprises, India has more than 7.9 million MSMEs as of March 27, 2022.


  5. What are the most important needs of a SME?

    One of the most important needs of a Small and Medium Enterprise is finance. With everyday expenditure and investment in a business, SMEs generally need more money for the upkeep of their business.Moreover, effective managerial skills are very important for SMEs. Proper management of resources, finance, employees, and administration is crucial to a SMEs growth and development.


  6. What's the difference between a startup and an SME?

    A startup starts in a small way with dreams of changing or introducing a new market altogether. The founders may alter existing business models or create new ones. On the other hand, Small and Medium Enterprises are businesses that follow an already established business model and may trade in products and services already in the market. Small and medium enterprise owners look to gain profit by providing quality products and services and eventually setting up their brand and space in the market.


  7. What problems/questions do small and medium sized companies have regarding running and improving their business?

    A small business mainly faces problems with finances, hiring the right talent, and unnecessary expenditures. If you have a small or medium enterprise, you require a strong vision and goals set in stone. Hiring employees who may meet the needs of the business requires proper planning from your end. You need to be clear with business objectives and draw a funding plan. Unnecessary expenses may be an issue if a proper business plan is not in place. Make a well-researched business plan, including business strategies for accounting and expenditure. This will help you grow your business.


  8. How can Small and Medium Enterprises in India help in the development of the country?

    Small and medium businesses have already helped develop India's economy by contributing to the GDP and more. Micro, Small and Medium Enterprises (MSMEs) contribute 30% of India's GDP and are responsible for 50% of the exports. They are also why small businesses and employment opportunities exist in rural and semi-urban areas. They provide employment opportunities in these areas and help their development and growth.


  9. What are the advantages of a small and medium entrepreneur?

    Being a small and medium business entrepreneur has many advantages. First, with the increasing opportunities and advancing technology, small and medium businesses have a new scope for market expansion. Internet and digital marketing have enabled small businesses to create a brand presence nationwide and worldwide. Secondly, having a small business offers flexibility and adaptability to change. If a small business notices a change in demand, it can adapt to change faster by reducing the supply. Lastly, small businesses have fewer employees working, making communication easier and faster.


  10. If a factory needs a bank loan for expansion, what is the step-by-step process for it?

    If you require a loan for your factory, consider following the steps mentioned below:

    • Step 1: Choose to apply online to the bank or financial institution of your choice

    • Step 2: Submit the documents required by your bank or financial institution

    • Step 3: Once all the documents are submitted for processing, a representative from the concerned financial institution may contact you regarding your eligibility for the loan.

    • Step 4: Once all your eligibility documents are submitted and approved and the loan amount is sanctioned, you can access the business loan.


  11. Is it good that I paid off a business loan in 4 months when it was a 15-month loan? Will I be eligible for a higher loan?

    Being eligible for a higher loan on prepayment may be a decision your bank or financial institution may take. However, some aspects to note are that you will definitely save a lot of money on your monthly interest payment. Moreover, banks and financial institutions also charge a prepayment penalty if you pay back the loan before the tenure ends. This is because some loans are designed to last for a particular repayment period. Always consult your bank or financial institution when deciding and read your loan documents carefully.


  12. What are the benefits of taking a loan for starting a business? How can you get maximum profit by paying less amount as the interest rate on that loan?

    Taking a business loan has many advantages.You can get money to meet your working capital needs, hire more employees, expand your business or even purchase a property. The interest rate depends on the bank or financial institution you will connect with. Loan against property for business is one of the best business loans with low interest rates. You can gain maximum profit by paying a low interest rate and saving on your monthly outgoings.


  13. What is a Mudra loan, and how does a customer apply?

    The Pradhan Mantri Mudra Yojana (PMMY) allows small borrowers to obtain loans from banks, MFIs, and NBFCs for up to Rs. 10 lakh for non-farm income-generating enterprises. Generally, bank loans up to Rs. 10 lakhs made under the Micro Small Enterprises programme are given without collateral. Here are the steps to apply for Mudra Loan:

    • Check out the PMMY sanctioned banks and financial institutions.

    • Choose any one and visit their website

    • Download the form for loans like Shishu, Kishore, and Tarun

    • Submit the relevant details in the Mudra Loan Application form

    • Submit the relevant documents

    • Once processed and sanctioned, you will receive the loan


    If you wish to apply offline, follow the steps mentioned below:

    • Visit the PMMY sanctioned financial institution or bank

    • Make sure to prepare a good business plan before visiting the bank

    • Fill out the Mudra Loan application form

    • Submit the required documents and passport-size photographs

    • Once your loan documents are processed and approved, you will receive the loan


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


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