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




Business Loan
for Women


Behind every success, there's a tale of courage. Godrej Capital's Business Loans provide tailored loan solutions to women entrepreneurs in India, enabling them to achieve unprecedented heights in their business endeavours.

Business Loan for Women


Behind every success, there's a tale of courage. Godrej Capital's Business Loans provide tailored loan solutions to women entrepreneurs in India, enabling them to achieve unprecedented heights in their business endeavours.


Benefits


Quick & hassle-free sanction within 3 days

Quick & hassle-free sanction within 3 days
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Loan tenure of up to 5 years

Loan tenure of up to 5 years
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Flexible repayment option

Flexible repayment option
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Exciting rewards on timely EMI payments

Exciting rewards on timely EMI payments
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Key Features




Access easy funding through MSME-focused loan features aimed at empowering female entrepreneurs like yourself to grow your business. Our custom business loans for women cater to your needs, simplifying the process of investing in the future of your business.

key-benefits
  • Swift and hassle-free approval process
  • Collateral-free loans
  • Access loans of up to INR 50 Lakhs
  • Simplified with one loan for all your business needs
  • Flexibility in repayment plans tailored to your business
  • Repayment cycle of up to 60 months
  • Competitive interest rates starting from 17% p.a.
  • Enjoy rewards for timely EMI payments

*T&C Apply

key-benefits



At Godrej Capital, we recognize the importance of preserving cash flows, especially for micro, small and medium enterprises (MSMEs). To elevate your loan experience, we offer our thoughtfully crafted repayment plans, designed to make your financial journey smoother and more suited to your business needs.

Design Your EMI

  • Avail flexibility in EMI re-payment with our ‘Design your EMI’ program, which allows you to repay loan as per your convenience, capability, and comfort
  • Pay only interest for selected years.

*T&C Apply

Design Your EMI



Ever thought your Business Loan repayments could earn you rewards? We make it happen with Godrej Capital BizRewards.

key-benefits

  • Earn exciting reward vouchers for timely repayment of your business loan instalments.
  • We reward your timely repayment behavior with reward vouchers across categories including lifestyle, wellness, fashion, travel, and more.

*T&C Apply

key-benefits




Are you a micro, small, or medium-scale enterprise? Join Godrej Capital 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.
 

Why register with Nirmaan?

 

  • Exclusive partner offerings
  • Special discounted partner pricing
  • Total savings of up to INR 50,000

*T&C Apply

key-benefits

key-benefits




Our Partners


Our Partners
Our Partners


Business Loans Flexi Funds: Tailored for women entrepreneurs, this flexible credit line allows efficient cash flow management for women-led businesses. Withdraw and repay funds as needed, with interest charged only on the amount utilized, supporting women in their business growth journey.

key-benefits

  • Repayment tenure of up to 5 years
  • Loan amount of up to INR 50 lakhs
  • Competitive interest rates
  • Pay interest only on the amount utilized
  • Flexible usage of funds for business purposes
  • Unique variants to choose from
key-benefits
Hybrid Dropline Monthly Dropline
The withdrawal limit will remain fixed for the first two years and reduced every month for the remaining tenure. The withdrawal limit will be reduced every month equally throughout the loan tenure.

*T&C Apply




Low Interest Rates

 

We offer competitive and affordable interest rate on business loans to enable women entrepreneurs like you, paving the way for your businesses to thrive.



Types of fees Charges applicable
Rates of interest Starting from 17% p.a.
Loan Amount INR 5 lakhs to INR 50 lakhs
Processing Fees Up to 3% of the loan amount
Foreclosure Charges 4% 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

*T&C Apply


 

Calculate Your Savings

 

%
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 17-22%
  • Adjust the loan tenure options (months and years) to generate your monthly and total repayment

How our EMI Calculator can 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
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan 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 EMIs from existing loans
  • Key in the interest rate from 17-22%
  • Adjust the loan tenure options (months and years) to your ideal repayment period

How our Eligibility Calculator can help you?

  • Determines the best-estimate amount you can avail as a Loan
  • Plans your future financial investments with greater optimal accuracy
  • Assesses the benefits of loan with ease

Documents Just what is needed. Nothing more.



Documents Required

KYC Documents

PAN Card of the company

Business Registration Certificate

Income Documents

Financial statement of the last 6 months of the company

Income Tax Returns (YTD starting from 1st April of the ongoing financial year)

Proof of business continuity for a minimum of 3 years

*Refer Policy document for more details


Eligibility

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

Between 21-65 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


FAQs


A Business Loan for Women from Godrej Capital 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 Capital, and fuel your business dreams hassle-free.

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.

With Godrej Capital Business Loans for women, enjoy the advantage of higher loan amounts, reaching up to INR 50 lakhs, all without the need for collateral. With a seamless application process, requiring minimal documentation, we ensure a quick and hassle-free disbursal process.

You can avail a loan amount up to INR 50 lakhs, calculated based on your income and other parameters, making it a versatile solution for various business requirements. To access Business Loan EMI calculator, click here

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.

Whether you're a Sole Proprietor, Partnership firm, Private Ltd Co., Unlisted Public Ltd Co., or LLP involved in Manufacturing, Trading, or Services, you're eligible to apply. Ensure you have a minimum of 3 years of business operations with an age range of 21-65 years.

No, our Business Loans are exclusively designed for business requirements. Salaried individuals may explore Loan Against Property options at Godrej Capital.

Click here to view the documents required.


General FAQs

Business Loan Flexi Funds is a facility like Overdraft, which offers borrowers a sanctioned limit, enabling them to withdraw any amount within the sanctioned limit as per their requirements and repay it at their convenience. Much like a normal Business Loan, the loan is availed against zero collaterals. Interest is charged only on the borrowed amount. This cost-effective facility is useful for managing finances and resolving short-term cash flow problems for individuals and self-employed business owners.

 

Any individual requiring funds can apply for a Business Loan Flexi Funds to a maximum loan amount of INR 50 lakhs.

Those who apply for Business Loan Flexi Funds can make the most of a long repayment tenure of up to 5 years.

Any individual requiring funds for business purposes can apply for a Business Loan Flexi Funds.

 

The funds from the Business Loan Flexi Funds can be utilized for various business-related purposes like business expansion, inventory management, cash flow management, employee payments, or other professional needs. Although the interest rate for the business loan may vary, utilizing a business loan EMI calculator can assist you in understanding your monthly payments and better planning your finances.

Business Loan Flexi Fund interest rate is calculated only to the utilized amount from the total withdrawable limit. With Business Loan Flexi Funds, you enjoy the freedom to repay and reuse funds within the specified limit and tenure, similar to an Overdraft Facility.

The EMI for Business Loan Flexi Funds calculates interest on the utilized limit. Interest equals the EMI as long as there is an available balance for the dropline amount to be deducted from the withdrawable limit. Only in instances where there is an insufficient withdrawable limit remaining, the EMI include the principle and the interest on the utilized amount.

In a conventional Business Loan, the full loan amount is disbursed to the customer's bank account, and repayment starts through monthly EMIs from the following month.

 

Business Loan Flexi Loans is similar to an overdraft facility. Customers receive a sanctioned limit with a withdrawable limit and the subsequent EMIs include only interest on the utilized amount from the sanctioned/withdrawable limit. The customer's limit is subject to reduction based on the chosen variant and frequency of reduction.

 

The fundamental difference between a Business Loan and a Business Loan Flexi Funds is the flexibility in the repayment of loans.

Godrej Capital offers below variants of the Business Loan Flexi Funds:

 

  • Monthly Variant
  • Hybrid Variant

Defaulting on EMI repayment for Business Loan Flexi Funds, much like any other loan, can result in consequences, such as adverse effects on your credit score, imposition of penalties, legal proceedings and such others.

Adhering to repayment obligations is crucial.

You can log in to Godrej Capital’s Customer Portal. The portal will allow customers to flexibly withdraw, check limits, and repay Business Loan Flexi Funds at their convenience.


Business Loan Flexi Funds – Variants

In the monthly variant of Business Loan Flexi Funds, the withdrawal limit is systematically reduced each month, proportionally reducing from the sanctioned limit. By the end of the loan tenure, the withdrawable limit reaches "0". However, the interest rate continues to be applied monthly based on the used limit.

 

In the monthly variant of Business Loan Flexi Funds, the withdrawable limit is constant for a fixed period after which it will drop every month. The drop proportionally reduces from the sanctioned limit. By the end of the loan tenure, the withdrawable limit reaches "0". However, the interest rate continues to be applied monthly based on the used limit.


Collateral & Eligibility

The eligibility criteria for a Business Loan in Flexi Funds include but are not limited to bureau tracking, demographics, business revenue, and more. For more details, and the latest product updates, please get in touch with one of our customer care representatives.

 

Business Loan Flexi Funds are available for business purposes.

No, Business Loan Flexi Funds can be availed without collateral.


Customer Portal queries:

Step 1: Visit the Customer Portal
Step 2: Enter your mobile number or customer ID
Step 3: Authenticate by entering the OTP sent to your registered mobile number
Step 4: Upon successful completion, you will be logged in.

 

Log in to the customer portal at https://cp.godrejcapital.com, navigate to the "Transaction Tab" in the left-side menu panel, where three options will appear:

a) Withdraw

b) Repayment

c) Transaction History.

 

Click on the "Withdraw” tab and enter the amount corresponding to the loan amount, then click on “Proceed”.

 

The transaction can be authenticated through an OTP sent to your registered mobile number.

 

Yes, repayment of funds is allowed. 

 

  • Log in to the customer portal by clicking here
  • Access the "Transaction Tab" on the left menu panel
  • Choose from three options: 
    • Withdraw
    • Repayment
    • Transaction History
  • Select the "Repayment" tab
  • Enable the repayment section
  • Input the amount and proceed
  • On the confirmation screen, view the final amount, any deductions, and accept the terms and conditions to initiate the repayment transaction
  • After clicking proceed, the customer will be redirected to the payment gateway page to select the mode of payment: 
    • Net Banking
    • Debit Card
    • UPI
  • Choose a preferred mode of payment and submit the payment

Repayment: Customers have the flexibility to repay the entire amount, ranging from a minimum of INR 1,000 to the maximum loan amount, depending on the utilization of funds.

 

Withdrawal: Customers can withdraw up to the maximum loan amount, with a minimum withdrawal limit of INR 1, subject to the available balance.

Repayment: The repayment facility is available 24/7 throughout the year and has no restrictions on the amount of repayment. It can easily be done through the customer portal.

 

Withdrawal: Withdrawal of funds from the balance is available every day, except on 4 public/national holidays (26th January,15th August, 1st April, and 2nd October). Additionally, the daily withdrawal functionality is not available between 10 pm to 2 am for maintenance reasons.

Transaction details can be accessed through the customer portal's "Transaction History" section under the Transactions tab. Customers have the option to download/export details in PDF format.

Transactions are limited to the main applicant only in cases where there are multiple applicants on the loan structure.

No, zero charges apply for transactions conducted through the customer portal.


Product related FAQs:

The billing cycle for Business Loan Flexi Funds is from the 27th to the 26th of each month.

 

For example, the billing cycle for Jan'24 would span from 27th Dec'23 to 26th Jan'24. The bill is generated at the end of the day on the 26th Jan'24, reflecting the daily utilisation of funds from the sanctioned limit.

 

The EMI primarily comprises of the interest of the utilized amount and the principal component to the extent of the amount of dropdown (as applicable).

 

At the end of the day on the 26th of the month, the bill is generated based on interest computation. Customers are then provided an additional 10 days to ensure sufficient balance in the account before the EMI is deducted through NACH services.

In the event of an EMI bounce, charges, including late payment fees/penalties, will be imposed, and payment is to be made through the customer portal. Refer to the schedule of charges in the terms and conditions section of the Loan Agreement for more details.

Yes, the beneficiary account can be changed. Customers can initiate this request by logging into the customer portal or by reaching out to the customer contact centre for assistance.

Yes, customers can request a change in the repayment account by logging into the customer portal or contacting the customer contact centre for assistance.



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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