| 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 |
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Key Features
- Key Benefits
- Design Your EMI
- BizRewards
- Grow with Nirmaan
Get easy, hassle-free funding to invest in the future of your business. We leverage our expertise to customize our business loans for your specific business needs.
- Unsecured and collateral-free loans
- Flexible repayment plans
- One loan for diverse business needs
- Earn rewards on timely repayments
- Loans available up to INR 50 Lakhs
- Quick and easy approval
- Interest rates from 17% P.A. onwards
- Repayment cycle of up to 60 months
*T&C Apply
Make your business a priority with our tailor-made repayment plans that revolve around your cash outflows.
- Avail flexibility in repayment 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
Ever thought your Business Loan repayments could earn you rewards? We make it happen with Godrej Capital BizRewards.
- 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
With Godrej Capital Nirmaan, get access to a wide range of value-added services to help in business expansion, managing operations, upskilling, and more. A one-stop solution for all your business needs!
Why to register with Nirmaan?
- Exclusive partner offerings
- Special discounted pricing
- Total savings of up to INR 50,000
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Our Partners
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- Self-Employed
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 |
*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.
A Business Loan is an unsecured or a collateral-free loan that can be used for varied business purposes like funding your business expansion, purchasing long term assets or meeting working capital requirements. We offer you a stipulated loan amount without the need to pledge any collateral.
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
Start your new business
With the Godrej Capital Business Loan, you can avail 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.
You can avail a loan amount up to Rs. 50 lakhs, the amount would be calculated based on your income and other parameters.
No, the business loan is an unsecured offering, and you only need to meet the simple business loan eligibility criteria to qualify for business financing.
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. The age should be 21-65 years with a minimum of 3 years vintage of business operations.
No, a salaried individual can not apply or take a business loan. It is available only for catering to business requirements. Salaried individuals may go for Loan Against Property from Godrej Capital.
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