Loan Against Property

 

Godrej Capital's Loan Against Property (LAP) is designed to support business growth with high loan eligibility, flexible EMIs, longer tenures, and a wide range of acceptable collaterals. This loan provides substantial funding based on property value, making it ideal for significant business investments and expansions.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Udyog Loan Against Property

 

For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!

 

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. Apply today for a collateral free loan today!

 

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. Apply today for a collateral free loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for CAs

 

Godrej Capital's Professional Loan helps CAs in expanding practice, hiring new staff, enhancing equipment, and upgrading services for business growth. Get a loan without collateral and take your career to new heights.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for MSMEs

 

For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for Women

 

Are you a woman entrepreneur? Godrej Capital's Business Loans for women-owned MSMEs help them fuel growth and meet business needs without any collateral. Apply for a small business loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan

 

Empower your business with Godrej Capital's Business Loan, offering flexible financing solutions to help businesses take the next step for growth. Apply for online Business Loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs




Commercial Property Loan



Now make your business dreams a reality. Be it any profession, Godrej Capital’s Commercial Property Loan enables you to tailor a workplace so that you can focus on your professional goals. 

Finance a new or existing commercial property

including construction, extension or improvement

to make your business goals become reality.







Fulfill your ambitions! Purchase, renovate, or expand your commercial space effortlessly with a loan solution that adapts to your needs.

emi-break.jpg

  • Low interest rates starting from 9.75% p.a
  • Longer tenure of up to 25 years
  • Loan-to-value up to 70%
  • Loan amount up to INR 10 crore
EMI Break

*T&C Apply



Supercharge your business! Explore Nirmaan, a one-stop platform for all your business needs related to growth, operations, employee management, and more.

Grow with Nirmaan

  • Exclusive partner offerings with discounted pricing.
  • Savings of up to INR 50,000
  • Zero registration fees
EMI Break

*T&C Apply



Our Partners


demo
Our Products




Low Interest Rates

 

We understand the challenges of growing your business.

Interest rates on our Commercial Property Loans ared esigned to help you get a jumpstart on your future

 

RESIDENT

Salaried

Per Annum Onwards
BUSINESS

Self-employed

Per Annum Onwards
PRACTICING PROFESSIONALS

Self-employed

Per Annum Onwards

*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?

  • Use the sliding button to input the amount you need to avail as a loan
  • Input the interest rate from 6-15%
  • Adjust the Loan Tenure options (months and years) to generate your monthly and total repayment
     

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
%
Loan Tenure
Yrs
Ms

Your EMI Will Be

Your 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 EMIs from the existing loans
  • Input the interest rate from 6-15%
  • 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 optimal accuracy
  • Assesses the benefits of loan with ease
Financial Details
Yr

Income Tax Benefits

Income Tax Payable includes 4% cess.

Income Tax Payable After Loan

Income Tax Payable Before Loan


How to use the Tax Saving Calculator?

  • Select your age (Tip: Use the slide bar to input your age)
  • Enter your total taxable income amount
  • Enter your annual principal amount and interest amount paid on your loan in INR to generate the final payable tax amount before and after your home loan

How our Tax Saving Calculator can help you?

  • Estimates your tax-saving benefits for the year
  • Accounts for your tax savings and plans future investments with ease


Mandatory documents  required for commercial property loan for

Mandatory documents

  required for commercial

property loan for



  • Copy of Pan Card or Form 60
  • Copy of proof of identity (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
  • Copy of proof of address (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)



  • Copy of salary slip for last one month, or a Salary Certificate on the company letterhead (authorized by the signatory of the organization)
  • Copy of proof of employment for last 2 years (Form 16 or joining date on appointment letter or salary slip etc.)
  • Copy of salary account statement for last 6 months
  • Copy of proof of bonus for last 2 years (bank statement) or variable incentive for last 6 months (salary slip)

  • Copy of current Registration or Draft Agreement for sale (only for Maharashtra) / allotment letter / stamped agreement for sale
  • Copy of Occupancy Certificate (fully constructed property) or approved plan copy (photocopy of the blueprint)
  • Copy of Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
  • Copy of payment receipts or bank account statement showing payments made to seller
  • Prior chain-link title documents


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)



  • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • Bank Statements for last 12 months
  • Business Continuity Proof for 5 years
  • Tax Audit Report, if applicable

  • Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • Prior Chain Link title documents
  • Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • Payment Receipts or bank account statement showing all the payments made to Seller


  • Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
  • Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)



  • ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • Practice Continuity Proof for 5 years
  • GST challans for last 1 or 2 or 3 quarter since filing of last returns
  • Tax Audit Report, if applicable
  • Bank statement showing Rental credits & Registered Rent Agreement, if applicable

  • Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • Prior Chain Link title documents
  • Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • Payment Receipts or bank account statement showing all the payments made to Seller

*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.



FAQs


A Commercial Property Loan is a type of loan specifically designed to finance the purchase, construction, or renovation of commercial real estate. This can include office buildings, retail spaces, warehouses, and other properties used for business purposes. The loan terms, interest rates, and eligibility criteria for commercial property loans can vary depending on the lender and the specific needs of the borrower. These loans typically require the property to serve as collateral and may involve more stringent qualification requirements compared to residential property loans.

Salaried and self-employed individuals (both professionals and non-professionals) are eligible, but NRIs are not eligible for funding.

You can avail of a Commercial Property Loan for a maximum tenure of up to 25 years or till the age of retirement, whichever is lower.

Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges




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