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

 

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

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




 Balance Transfer

 

Ready for a positive shift in your finances? Explore advantages of Balance Transfer like tailored loan solutions, flexible repayment terms, and more!

Balance Transfer 

 

Ready for a positive shift in your finances? Explore advantages of Balance Transfer like tailored loan solutions, flexible repayment terms, and more!




Be with a lender you can trust! Transfer your loan balance to us and experience financial ease like never before.
homekey


  • Interest rates starting from 8.55% p.a.
  • Avail top-up loans
  • Minimal documentation
  • Hands-on customer support
  • Quick sanction and disbursal
Home Loan Balance Transfer Key Benefits

*T&C Apply



Low Interest Rates



Lighten your financial load - turn to our Home Loan Balance Transfer with low-interest rates, designed to provide the support you need.

Low Interest Rates


If you’re looking to ease your financial burden, our low interest rates on Home Loan Balance Transfer will be there to support you.


RESIDENT

Salaried

Per Annum onwards
NON-RESIDENT INDIAN

Salaried

Per Annum onwards
BUSINESS

Self-employed

Per Annum onwards
PRACTICING PROFESSIONALS

Self-employed

Per Annum onwards

*T&C Apply


Calculate Your Savings


Existing Loan
Yr
%
Proposed Loan
%
Loan Tenure
Yrs
Ms

Total saving in cash outflow

Savings In EMI

Proposed EMI

Existing EMI


How to use the Balance Transfer Calculator?

  • Enter the outstanding principal amount of your current loan
  • Select the tenure of the current loan using the sliding button feature
  • Input the rate of interest on your current loan
  • Key in the interest rate per annum as per your credit evaluation
  • Adjust the loan tenure options (months and years) to accurately assess the possible savings you could enjoy

How does Balance Transfer Calculator help you?

  • Enables easy understanding of the savings a loan transfer can yield
  • Helps with providing an insight into the proposed EMI structure that could come with a balance transfer
  • Aids in making a well-informed decision for your finances
%
Loan Tenure
Yrs
Ms

Your Monthly EMI

For the year at the % of interest rate

Total Interest Payable

Total Payment (Interest + Principal)


How to use the EMI Calculator?

  • Input the amount you need to avail as a loan using the slide bar
  • Key in the interest rate from 6-15% as per your Credit Evaluation
  • Adjust the loan tenure options (months and years) to generate your monthly and total payment amount

How does the EMI Calculator help you?

  • Aids in making a well-informed decision for your finances
  • Assesses the tenure that would be feasible for your loan repayment
  • Commences long-term financial planning basis the available EMI-related data
  • Gauges the amount of interest you would pay and assesses your risk with ease
%
Loan Tenure
Yrs
Ms

Your EMI Will Be

Your Eligibility


How to use the Eligibility Calculator?

  • Input your net monthly income using the slide bar. This can include income from multiple sources
  • Enter the total amount of any existing loans or EMIs
  • Key in the interest rate from 6-15% as per your credit Evaluation
  • Adjust the Lloan tenure options (months and years) to your ideal repayment period to generate your Home Loan eligibility amount

How does Eligibility calculator help you?

  • Determines the amount you can avail as a home loan without any lengthy paperwork and reduce the risk of application rejection
  • Plans your future financial investments with greater accuracy
  • Assesses the benefits of loan with ease
Financial Details
Yr

Income Tax Benefits

Income Tax Payable includes 4% cess.

Income Tax Payable After Loan

Income Tax Payable Before Loan


How to use the Tax Saving Calculator?

  • Select your age (Tip: Use the slide bar to input your age)
  • Enter your total taxable income amount
  • Enter your annual principal amount and interest amount paid on your loan in INR to generate the final payable tax amount before and after your home loan

How does the Tax Saving calculator help you:

  • Accurately arrives at your tax saving benefits for the year
  • Accounts for your tax savings and plans future investments with ease

Please note that as per Section 80C and Section 24B of the Income Tax Act 1964, one is eligible for tax saving benefits via both, the principal and interest components of the loan


Documents Just what is needed. Nothing more.




  • Pan Card or Form 60
  • Copy of proof of identity (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
  • Copy of proof of address (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)



  • Copy of salary slip for last one month, or a Salary Certificate on the company letterhead (authorized by the signatory of the organisation)
  • Copy of proof of employment for last 2 years (Form 16 or joining date on appointment letter or salary slip)
  • Copy of salary account statement for last 6 months
  • Copy of proof of bonus for last 2 years (bank statement) or variable incentive for last 6 months(salary slip)
  • Copy of bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
  • Copy of sanction letter as evidence of the collateral address
  • Customer declaration for outstanding loan and list of submitted documents

For Under construction Home Loans – Approved Projects 
  • Copy of allotment letter or stamped agreement for sale
  • Copy of payment receipts Payment Receipts or bank account statement showing all payments made to the builder

 

For Resale Home Loans 
  • Copy of current Registration or Draft Agreement for sale (only for Maharashtra) /allotment letter
  • Copy of Occupancy Certificate (fully constructed property) or approved plan copy (photocopy of the blueprint)
  • Copy of Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
  • Copy of payment receipts or bank account statement showing payments made to seller
  • Prior Chain Link title documents


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)



  • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • Bank Statements for last 12 months
  • Business Continuity Proof for 5 years
  • Tax Audit Report, if applicable
  • Bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
  • Sanction letter to evidence Collateral address
  • Customer declaration for - Loan outstanding & List of documents submitted.

For Under construction Home Loans – Approved Projects
  • Allotment Letter or Stamped Agreement for Sale
  • Payment Receipts or bank account statement showing all payments made to the Builder
For Resale Home Loans
  • Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • Prior Chain Link title documents
  • Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • Payment Receipts or bank account statement showing all the payments made to Seller


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter's Identity Card)



  • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • Practice Continuity Proof for 5 years
  • GST challans for last 1 or 2 or 3 quarter since filing of last returns
  • Tax Audit Report, if applicable
  • Bank statement showing Rental credits & Registered Rent Agreement, if applicable
  • Bank statement reflecting EMI clearance of Last 6 EMIs OR Statement of account
  • Sanction letter to evidence Collateral address.
  • Customer declaration for - Loan outstanding & List of documents submitted.

For Under construction Home Loans – Approved Projects
  • Allotment Letter or Stamped Agreement for Sale
  • Payment Receipts or bank account statement showing all payments made to the Builder
For Resale Home Loans
  • Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • Prior Chain Link title documents
  • Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • Payment Receipts or bank account statement showing all the payments made to Seller

*Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.


FAQs



Balance Transfer is a financial strategy that allows you to move an existing loan from one lender to another, typically with the aim of securing better terms, such as lower interest rates or more favorable repayment terms. Godrej Capital's Balance Transfer empowers you to shift your outstanding loan to us, providing opportunities for reduced EMI payments, competitive interest rates, and enhanced financial flexibility. It's a smart move to optimize your loan and achieve greater savings in the long run.

 

Click here to apply online

Home Loan Balance Transfer is a process where you transfer your existing home loan from one lender to another. This strategic move enables you to benefit from lower interest rates, reduced monthly payments, and improved loan terms. By choosing Godrej Capital for your Home Loan Balance Transfer, you unlock the advantages of our competitive interest rates, additional Top-Up loans, and a simplified documentation process. It's a financial decision that empowers you to optimize your home loan for better savings and flexibility.

 

Click here to apply online

Transferring your home loan balance to Godrej Capital through our efficient balance transfer procedure unlocks various benefits. Enjoy competitive interest rates, EMI savings, and the flexibility to extend the repayment period. Plus, experience the advantage of a higher loan amount, including a Top-Up loan, tailored to meet additional requirements.

We keep the Balance Transfer procedure simple and hassle-free. Once you apply for a Home Loan Balance Transfer with Godrej Capital, you can expect a swift 7-day processing period. After applying for the balance transfer process online on our website, our representative will contact you for necessary documents, including those required for eligibility assessment. You can simply click here to apply for Balance Transfer.

There's no maximum limit for the transfer amount. If eligible, Godrej Capital allows the complete transfer of your Home Loan outstanding balance, ensuring a seamless process.

Certainly! At the time of the balance transfer, self-employed individuals can extend the repayment tenor to up to 20 years, while salaried customers can extend the loan tenure to up to 30 years. The extension is subject to the borrower’s eligibility and age.

No, there is no mandatory requirement to provide a guarantor. The eligibility for a Home Loan Balance Transfer is simple. However, it may change, subject to alternations in the internal policies of the lender.

The National Automated Clearing House (NACH) mandate simplifies loan repayment by providing a centralized and efficient clearing platform. Godrej Capital utilizes the NACH debit mandate to automatically deduct monthly instalments from your bank account, ensuring a hassle-free repayment process.

There are two ways to cancel your NACH mandate:

 

  • You can log in to the Customer Portal and request to cancel the mandate through the ‘Write to Us’ section.

  • You can also send an email to customercare@godrejcapital.com through your registered email ID or call our Customer Care +91 22 68815555 through your registered mobile number and place a request for NACH mandate cancellation.

Please note that you need to mention the Loan Account Number (LAN) in the request, and our team will connect with you within 48 hrs.

Top-Up Loans can tend to personal and professional needs like home furnishing, marriage, child's tuition business expansion, etc.

Customers opting for a Balance Transfer of their Home loan can additionally avail of a top-up loan from Godrej Capital subject to meeting the qualifying criteria.

You can avail a top-up loan for a maximum term of 15 years

As a Top-Up Loan is a primarily a new loan, standard processing fees apply to it as well.

No, it is not mandatory to obtain Insurance. However, Insurance is a voluntary risk mitigation device that helps customers in multiple ways, such as securing the asset, helping in paying off the loan liability in an unlikely event.

The insurance contract is between the Insurer and the customers. The company plays a limited role in facilitating the insurance contract between customers and Insurers. It will be the Insurer's responsibility to provide details and benefits to the customers.

Loan-linked Insurance covers a large amount of the loan liability. In any unforeseen circumstances like death, disability, hospitalization, and diagnosis of critical ailments, the Insurer can repay the loan liability through Insurance.

Credit-Life Insurance provides death cover for natural, accidental, and unnatural cause deaths. It also includes coverage for death due to Covid-19 and can be extended to co-borrowers. Customers can also avail the benefit of Section 80-C Income Tax deduction.

Survival-Benefit Plan is for critical illness insurance and provides additional cover for medical emergencies like heart attack, stroke, or cancer. Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short. These policies come at a relatively low cost. However, the instances that they will cover are generally limited to a few illnesses or emergencies.

Health insurance aims to provide a defence against the hardship caused due to lack of income because of (a) Disease, (b) Accident, (c) Surgery and (d) hospitalization.

Property Insurance secures the property for which the loan has been availed; ensures the security of valuables within the house. It is applicable for entirely constructed property wherein the customer has possession of the property. The Claim amount is the reinstatement value of the property.






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Company is a Master Policy Holder and facilitates the products of above insurance company on purely voluntary basis as a risk mitigation measure.