Home Loans

Found your fantasy house but struggling with the price tag? We can help with Home Loans designed for your needs. Our low interest rates and easy EMI plans can help unlock the door to your future.

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.

Balance Transfer

With our Balance Transfer option you can transfer your existing home loan to Godrej and enjoy the benefits of a plan that works for you. Along with interest rates tailored to your comfort, enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.

Plot Loans

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.

Business Loans

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!

Commercial Property Loans

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.





Commercial Property Loans



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.


Competitive Interest Rates starting at dynamicCommIntRate%

Competitive interest rates starting from 9.75%
Competitive interest rates starting from 9.75%
dynamicCommIntRate%

Loans up to INR 10 Cr.

Loan upto 10crs
Loan upto 10crs

Tenure of up to 25 Years

Tenure up to 25 years
Tenure up to 25 years

Key Features






With our Commercial Property Loan, you can now purchase your commercial space or upgrade your existing property, enabling you to fulfill your dreams!

emi-break.jpg

  • Enables commercial property purchase for own use or rent out
  • Low interest rates starting at 9.75%
  • Longer tenure of up to 25 years
  • Loan of up to 70% of the market value of the property

*T&C Apply

EMI Break


Low Interest Rates


We understand the challenges of growing your business. Interest rates on our Commercial Property

Loans are designed to help you get a jumpstart on your future

 

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
NRI Salaried

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 years 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 (xerox 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


FAQs


It is a loan to finance the purchase of a new or existing commercial property. The funds obtained from this loan can be directed towards the construction, extension, or improvement of a commercial property. 

All customers,salaried or self-employed NRIs (professional and non-professionals) can avail of this loan. 

You can avail of a Commercial Property Loan for a maximum term of 15 years or till the age of retirement, whichever 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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