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

Lease Rental Discounting

 

Want to leverage your rental earnings to get a loan? We offer industry-best loan-to-value Lease Rental Discounting, allowing you to explore new business opportunities, fund personal expenses, or even pursue higher education. Unlock the value of your assets without selling them.

 

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




Our Business Loan


Are you a micro, small, or medium enterprise (MSME) owner looking for funds to grow your business? With Godrej Capital Business Loans, we empower you with customizable and flexible financing solutions to take your business to the next level. No collateral needed – just simple and easy steps to apply!


Exciting rewards on timely repayments

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Unsecured loans for diverse business needs

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Quick & hassle free process

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Flexible repayment plans as per your business requirements

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Key Features




Get easy, hassle-free fund to invest in the future of your business. We leverage our expertise to customize 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 upto 60 months.

*T&C Apply




Make your business a priority with our tailor-made EMI repayment plans that revolve around cash outflows of your enterprise.

  • 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 loan 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!
 


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Why to register with Nirmaan?

 

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

*T&C Apply

EMI Break


Our Partners


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Interest Rates

 

At Godrej Capital, we understand the financial hurdles that accompany the growth journey of small businesses. Our Business Loans are carefully crafted to align with your unique business needs, ensuring affordability with attractive interest rates. This way, you can leverage maximum benefits without the burden of financial concerns.



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
Ms

Savings in EMI per month*

%

*Max period for interest only servicing shall not exceed 24 month

Regular EMI

Flexible EMI

How to use the EMI Calculator?
 

  • Use the sliding button to input the amount you need to avail as a loan.
  • Input the interest rate from 15-22% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to generate your monthly and total payment amounts.
     

How our EMI Calculator can help you:
 

  • Make a well-informed decision before making any financial commitments.
  • Accurately assess the tenure that would be feasible for your loan repayment.
  • Start long-term financial planning when all your EMI data is easily available.
  • Gauge the amount of interest you would pay and assess your risks with ease.
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan Eligibility

How to use the Eligibility Calculator?
 

  • Use the sliding button to input your net monthly income. This can include income from multiple sources.
  • Enter the total amount of any existing loans or EMIs.
  • Input the interest rate from 17-22% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to your ideal repayment period to generate your Home Loan Eligibility Amount.
     

How our Eligibility Calculator can help you:
 

  • Quickly determine the amount you can avail as a Home Loan without any lengthy paperwork and reduce any risk of application rejection.
  • Start planning your future financial investments with greater accuracy.
  • Assess the benefits of a Godrej Finance 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 is an unsecured or a collateral-free loan that can be used by MSMEs/small-scale business owners for varied business purposes like funding business expansion, purchasing long term assets or meeting working capital requirements. We offer a stipulated loan amount without the need to mortgage 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. Apply online and enjoy a hassle-free experience with minimal documentation, and seamless disbursal process.

You can avail a loan amount up to INR 50 lakhs, the amount would be calculated based on your eligibility like income and other parameters.

No, the Business Loan is a mortgage-free offering and requires you to only meet the business loan eligibility criteria to qualify for business financing.

Business loan is available for all types of micro, small and medium enterprise (MSME) owners. 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 person applying for the business loan should be aged between 21 and 65 years with a minimum of 3 years vintage of business operations.

No, a salaried individual can not apply for a business loan. It is available only for catering to business requirements. Salaried individuals may go for Loan Against Property from Godrej Capital.

Click here to view the documents

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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Stories in Focus - The Blog


Understanding Loan Against Property: In conversation with Jay & Veeru

Loan against property is a secured mode of finance where lenders disburse funds based on the property mortgaged. It’s essential to choose a credible lender who offers a competitive rate of interest and flexible repayment terms.




Company is a Master Policy Holder and facilitates the products of above insurance company on purely voluntary basis as a risk mitigation measure.