Business Loan for Women

Enabling Growth for Women Entrepreneurs

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

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What is a Business Loan for Women?

A Business Loan for Women from Godrej Finance Limited is a collateral-free credit facility of up to ₹75 lakhs designed for women running or scaling a business. It supports self-employed non-professionals across retail, services, manufacturing and home-based enterprises. The product carries zero processing fees, complimentary life insurance for the first year and the same Design Your EMI, BizRewards and Flexi Funds features available on the standard Business Loan. First-time borrowers are eligible, which matters for women entrepreneurs who may not have a prior credit history in their own name.

Loan amount of up to

₹ 75 Lakh

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Processing fee

Zero

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Complimentary life insurance

1 Year

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First-Time Borrowers

Eligible

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Key Features & Benefits of Women Business Loan

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Key Features & Benefits of Women Business Loan
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*Loans offered/financed by Godrej Finance - T&Cs apply
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Design Your EMI

Design your EMI plan to match your business needs.

Align your repayments with your cash flow, so you have more funds available for strategic investments. In addition, during seasonal slowdowns, opt for interest-only payments to reduce financial pressure and keep your business running smoothly.

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

Apply Now
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BizRewards

Get rewarded for your financial discipline. Timely EMI payments will not only maintain your credit score but also earn you exciting rewards.

  • Earn rewards on timely EMI payments
  • Choose from a wide range of vouchers across lifestyle, wellness, fashion, travel, and more
  • Total reward value up to INR 24,000

Apply Now
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Flexi Funds

Get easy access to funds whenever your business needs it with Flexi Funds, an overdraft-like facility.

Withdraw money from your approved limit and repay when it suits you. Flexi Funds helps you manage your business cash flow without the pressure of fixed EMIs.

  • No fixed EMIs - interest is charged only on the amount withdrawn
  • Repayment tenure of up to 6 years
  • Sanctioned limit of up to INR 75 lakh

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Take your business to new heights with Aarohi Business Loan
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EMI & Eligibility Calculator for Women Business Loan

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Home Loan

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Interest Rates & Documents Required for Women Business Loan

Interest Rates & Charges

Our business loan for women is crafted to support your growth with competitive interest rates, affordable EMIs and flexible tenures so you can focus on building your business, not worrying about repayments.

Types of fees Charges applicable
Rates of interest Starting from 17% per annum
Loan Amount INR 3 lakhs to INR 75 lakhs
Processing Fees Zero Processing Fees
Foreclosure Charges Up to 6% of principal outstanding at the time of foreclosure
Part Pre-payment Charges 4% of the amount prepaid
Charges towards Stamp Duty As applicable & prescribed by the relevant Government Authority
Documents Required

To apply for a women entrepreneur loan, you only need to submit basic paperwork. We require minimal documents for business loans for women, ensuring a smooth, fast and secure online process so you can focus on growing your business.

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

*Refer Policy document for more details

*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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Eligibility Criteria for Business Loan for Women

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Godrej Finance Limited has simple eligibility criteria for its women-focused Business Loans. The applicant should be a woman who owns or meaningfully operates the business as a proprietor, partner or director. Most applicants should have at least three years of business continuity, while first-time borrowers may be assessed based on their overall profile. Checking eligibility through a Business Loan eligibility calculator can help applicants understand the basic requirements before applying.
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Eligibility factor Requirement
Age 25 to 65 years at application
Business ownership Proprietor, partner or director with meaningful shareholding
Business vintage Usually 3+ years
Credit history CIBIL score of 700+ preferred
Turnover As per applicable policy
Documents PAN, Aadhaar, GST/Udyam certificate, 6-month bank statements
Sectors Retail, services, manufacturing and home-based businesses
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Processing Fees & Charges Applicable on Women Business Loan

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The applicable fees and charges can affect the overall cost of a women Business Loan, so it is important to review them before applying. The key charges are outlined below:
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Charge type Details
Interest rate Starting from 17% p.a., subject to profile and loan amount
Loan amount Upto ₹75 lakhs, collateral-free
Processing fee Zero processing fees on the Business Loan for Women
Foreclosure charges Up to 6% of the principal outstanding at the time of foreclosure
Part-prepayment charges 4% of the amount prepaid
Stamp duty As per state government rates applicable on the loan agreement
Late payment charges Applicable on overdue EMIs as per the schedule of charges
Late payment charges Applicable on overdue EMIs as per the schedule of charges
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How to Apply for a Business Loan for Women

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Applying for a Business Loan for Women with Godrej Finance Limited is a simple online process, from checking eligibility to receiving the funds. The process keeps documentation requirements straightforward, making it easier for women entrepreneurs to apply while managing their day-to-day business responsibilities.

  • Step 1: Check eligibility: Confirm you meet the basic criteria: age between 25 and 65 years, majority ownership of the business and the applicable business vintage for your industry.
  • Step 2: Estimate the EMI: Use the Business Loan EMI calculator to select a tenure and monthly EMI that fits your business cash flow. Consider Design Your EMI if your revenue is seasonal.
  • Step 3: Fill the online application: Provide personal details, business details, PAN, GSTIN and Udyam registration if applicable.
  • Step 4: Upload documents: Share KYC (PAN, Aadhaar, photograph), business documents (GST certificate where applicable, Udyam certificate) and the last 6 months of bank statements.
  • Step 5: Verification and sanction: The team runs a credit and business assessment. Eligible applications receive in-principle approval within 24 hours; the final sanction letter follows.
  • Step 6: Disbursement: On acceptance of the sanction letter and signing of the loan agreement, the amount is disbursed to your business account.
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Frequently Asked Questions

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Frequently Asked Questions

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Get access to 13+ partners to build,

plan and grow your business

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/about-us/blogs/business-loan/msme-small-business-loan-for-women-entrepreneurs

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Question-1

What is Business Loan for Women, and how can I apply for one?

Answer-1
A Business Loan for Women from Godrej Finance is the key to unsecured or collateral-free funding for various business needs of female entrepreneurs. Whether it's expanding your business, purchasing assets, or managing working capital, we've got you covered. Apply for a Business Loan with Godrej Finance, and fuel your business dreams hassle-free.
Question-2

Why should I consider a Business Loan from Godrej Finance?

Answer-2
Our Business Loans for women entrepreneurs like you are designed to ensure support for your business, like expansion, diversification, and improving your existing setup. As a startup or a small business owner, you can benefit from our MSME loans, boosting your working capital, hiring new talent, purchasing inventory, machinery, or even starting a new venture.
Question-3

What advantages come with Godrej Finance Business Loan for Women?

Answer-3
With Godrej Finance Business Loans for women, enjoy the advantage of higher loan amounts, reaching up to INR 75 lakhs, all without the need for collateral. With a seamless application process, requiring minimal documentation, we ensure a quick and hassle-free disbursal process.
Question-4

What's the maximum loan amount I can avail with a Business Loan for Women?

Answer-4
You can avail a loan amount up to INR 75 lakhs, calculated based on your income and other parameters, making it a versatile solution for various business requirements.
Question-5

Is collateral required for a Business Loan from Godrej Finance?

Answer-5
No need for collateral! These Business Loans are available mortgage-free, ensuring a straightforward application process where meeting eligibility criteria is your key to unlocking business financing.