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Business Loan for MSMEs

Fueling the Growth of India’s Small Businesses

  • Quick digital sanction
  • Easy customer support
  • Rewards on repayments
  • Flexi funds facility

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MSME Business Loan: Flexible Funding for Small Businesses

Managing an MSME comes with its share of financial hurdles. Our MSME loan offers quick, hassle-free access to funds without any collateral. Whether you are expanding operations or boosting working capital, our MSME business loan is tailored to fuel your growth. Explore our easy-to-apply MSME loan scheme today.

Collateral-free loans up to

INR 50 lakhs

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Interest rates starting from

17% p.a.

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Eligibility check in

24 hours

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Repayment cycle up to

72 months

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Key Features of Our MSME Business Loan

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Key Features of Our MSME Business Loan
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*Terms and Conditions Apply
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Design Your EMI

Craft your EMI plans according to your business needs.

Adapt your repayments to your business's cashflow requirements, freeing up capital for strategic investments. Plus, during seasonal dips, take advantage of interest-only payments to ease the burden and keep your business running smoothly.

  • Pay interest-only for select quarters or up to 24 months
  • Pay your EMIs as per your convenience, capability, and comfort

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BizRewards

Turn responsible repayments into earning possibilities with BizRewards!

Get rewarded for what matters most - your financial responsibility! Timely EMI payments will not only maintain your credit score but also earn you exciting rewards.

  • Earn exciting rewards on timely repayment of your EMIs
  • Choose from a wide range of vouchers across lifestyle, wellness, fashion, travel, and more
  • Total reward value up to INR 20,000

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Flexi Funds

Explore ready access to funds in a few simple clicks with Flexi Funds, an Overdraft-like facility.

Flexi Funds, an Overdraft-like facility, offers micro, small, and medium businesses (MSMEs) flexible access to funds, allowing them to withdraw and repay based on convenience. This facility offers MSMEs the flexibility to efficiently manage the cashflow needs of their businesses by allowing them to pay interest only on the utilized amount.

  • No fixed EMIs - Interest only charged on the amount you withdraw
  • Repayment tenure of up to 6 years
  • Sanctioned limit of up to INR 50 lakhs

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Grow with Nirmaan

Build your business dreams, all in one place: Nirmaan, your one-stop growth partner.

Are you a micro, small, or medium-scale enterprise (MSME)? Join Godrej Nirmaan for full support and a variety of valuable services. We help with business expansion, smooth operations, and upskilling – all in one place, catering to your business needs with expertise and care.

  • Exclusive partner offerings with discounted pricing
  • Savings of up to INR 50,000
  • Zero registration fees, simply visit Godrej Nirmaan

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Business Loan for MSME Calculator

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MSME Loan Essentials: Interest Rates, Documents Required & Eligibility

Interest Rates & Charges

Godrej Capital offers MSME business loan at competitive interest rates, making financing simpler and more accessible for growing enterprises. Explore the MSME loan details below to plan your borrowing efficiently.

Types of fees Charges applicable
Rate of Interest Starting from 17% per annum
Loan Amount INR 5 lakhs to INR 50 lakhs
Processing Fees Up to 3% of the loan amount
Foreclosure Charges Up to 6% of principal outstanding at the time of foreclosure
Part Pre-payment Charges 2% of the amount prepaid
Charges towards Stamp Duty As applicable & prescribed by the relevant Government Authority
Documents Required

Submitting the right documents is crucial for a smooth MSME loan approval process. At Godrej Capital, we simplify the documentation so you can apply for your MSME loan online with ease. Review the essential paperwork below to get started and access complete MSME loan details confidently.

KYC Documents PAN Card
Aadhar Card (Proof of Address)
Passport-sized photo
Udhyam Certificate (if applicable)
Income Documents GST Certificate (if applicable)
Latest 6 months bank statement

*Refer Policy document for more details

Eligibility

Before you apply for an MSME loan, it is important to understand the basic MSME loan eligibility criteria. This not only streamlines the approval process of your business loan for MSME but also improves your chances of a successful MSME application.

Loans for Self Employed Non-professionals
Profile The applicant should be a Sole Proprietor/Partnership firm/Private Ltd Co./Unlisted Public Ltd Co./LLP involved in the business of Manufacturing, Trading or Services
Age 25 to 65 years
Business Vintage

1. Minimum business vintage of 3 years

2. Minimum turnover of INR 40 lakhs

3. Bank account in the name of the business

4. Minimum profit of INR 3 lakhs

* 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.

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Frequently Asked Questions

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Frequently Asked Questions

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Question-1
What is Business Loan for MSMEs?
Answer-1
Business Loan for MSMEs is an unsecured financial solution crafted for the diverse business needs of MSMEs, such as business expansion, acquisition of long-term assets, or meeting working capital requirements. At Godrej Capital, our Business Loans offer a predetermined amount without the necessity of collateral. Whether it's expanding your business, purchasing assets, or managing working capital, we've got you covered.Apply for a Business Loan with Godrej Capital, and fuel your business dreams hassle-free.
Question-2
What are the reasons for availing a Business Loan for MSMEs?
Answer-2

Ensuring steady business cash flow

Fund business expansion or diversification

Improve existing business set-up

Consolidate high-interest business debts

Boost working capital reserves

Hire a new workforce

Purchase and stock inventory

Buy new machinery, equipment, or software

Question-3
What are the advantages of Godrej Capital Business Loan for MSMEs?
Answer-3
With the Godrej Capital Small Business Loan, MSMEs can avail of higher loan amounts of up to INR 50 lakhs, without the need for collateral. The application process is hassle-free with minimal documentation, and the disbursal process is seamless and quick. Godrej Capital also offers features like BizRewards, Design Your EMI, and competitive interest rates starting from 17%.
Question-4
What is the maximum loan I can avail with a Business Loan for MSMEs?
Answer-4
You can apply for a maximum loan amount of up to INR 50 lakhs, wherein the amount disbursed would be calculated based on your income and other parameters.
Question-5
Is there any security against Business Loan for MSMEs?
Answer-5
No, the Small Business Loan is a mortgage-free offering and requires you to only meet the simple business loan eligibility criteria to qualify for business financing.