About Godrej Finance Business Loan
A Business Loan from Godrej Finance Limited is built for MSMEs and self-employed professionals who need working capital or growth funding without delays from collateral valuation. You can borrow up to ₹75 lakhs on a collateral-free basis, with repayment tenures up to 72 months and Design Your EMI options to align repayment with seasonal cash flow. Before applying, use the Business Loan EMI calculator to estimate your monthly outflow and check the applicable interest rates at the time of sanction. The entire application, from KYC to disbursement, is completed online.
Collateral-free loan up to
₹ 75 lakhs
Interest rates starting from
17% p.a.
Eligibility check in
24 Hours
Repayment cycle up to
72 months
Key Features & Benefits of Business Loan
Business Loan EMI & Eligibility Calculator
Business Loan Interest Rates & Documents Required
Enjoy competitive and transparent interest rates on business loans with Godrej Finance. Check your eligibility and access quick, collateral-free funding to power your business growth.
| Types of fees | Charges applicable |
| Rate of Interest | Starting from 17% per annum |
| Loan Amount | INR 3 lakhs to INR 75 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 | 4% of the amount prepaid |
| Charges towards Stamp Duty | As applicable & prescribed by the relevant Government Authority |
Organising your business loan documents is easy with our step-by-step checklist. The documents required for a business loan include basic identity proof, business verification and income records. Submitting accurate paperwork for a business loan ensures faster approval and quicker disbursal of your loan.
| 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.
Business Loan Eligibility Criteria
| Parameter | Requirement |
| Age | 25 to 65 years at the time of application |
| Nationality | Indian resident |
| Business type | Proprietorship, partnership, LLP, private limited company or one-person company |
| Business vintage | At least 3 years of continuous operations |
| Annual turnover | Minimum turnover as per the applicable industry policy |
| Credit score | CIBIL score of 700 and above preferred; 750 and above supports better pricing |
| ITR | Filed for at least the last 2 financial years |
| GST | Registered under GST where applicable to the business |
| Business address | Verifiable business premises, owned or rented |
Business Loan Fees & Charges
| Charge type | Details |
| Interest rate | Starting from 17% p.a., subject to profile, business vintage and loan amount |
| Loan amount | ₹3 lakhs to ₹75 lakhs, collateral-free |
| Processing fee | Up to 2% of the loan amount, plus applicable taxes |
| Repayment tenure | Up to 72 months |
| Foreclosure charges | As per the schedule of charges applicable at the time of foreclosure |
| Part-prepayment charges | As per the schedule of charges applicable at the time of part-prepayment |
| Stamp duty | As per state government rates applicable on the loan agreement |
| Cheque or NACH bounce charges | As per the schedule of charges |
| Late payment charges | Applicable on overdue EMIs as per the schedule of charges |
| CERSAI or CKYC charges | Nominal fees for regulatory registrations |
How to Apply for a Business Loan
For most small business owners, timing matters more than paperwork. A late credit decision on inventory financing or a working capital gap can cost the business more than the interest rate itself. Godrej Finance Limited addresses this with a 24-hour eligibility check on eligible profiles, so you know where you stand before the deal window closes.
- Step 1: Check eligibility: Enter basic business details on the online eligibility check. Applicants aged 25 to 65 years, with a business vintage of at least 3 years and a stable turnover, are typically eligible
- Step 2: Choose the repayment plan: Run scenarios on the Business Loan EMI calculator and decide whether standard EMIs suit you or if seasonal EMI aligns better with your revenue cycle
- Step 3: Submit the application: Complete the online form with personal, business, PAN, GSTIN and Udyam registration details
- Step 4: Upload documents: Share KYC, latest ITRs, bank statements for the last 6 to 12 months and GST returns where applicable
- Step 5: Sanction: Eligible profiles receive in-principle approval within 24 hours; the sanction letter follows shortly after
- Step 6: Disbursement. After you sign the loan agreement, the loan amount is credited to your business bank account.
Frequently Asked Question
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