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- Key Benefits
- Interest Rates
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Key Features
- Key Benefits
- Design Your EMI
- Caters to all business and personal needs.
- Low-interest rates starting at 9.75%
per annum. - Longer tenures of up to 25 years.
- Loans of up to 80% of the market value of the property.
- Interest Only payments avaliable for up to 36 months.
- Loans available on both, personal and commercial properties
- (Coming Soon) Pay Instalments as per your choice: Quarterly, Bi-monthly (once in 2 months).
*T&C Apply
Manage your finances better with the Flexible re-payment plans from Godrej Capital
- Avail flexibility in repayment through 'Design your EMI', where you can start with lower EMI amounts.
- Choose to pay only the interest amount for up to first three years of the loan;enabling efficient use of the loan availed.
- (Coming Soon) Pay Instalments as per your choice: Quarterly, Bi-monthly (once in 2 months).
*T&C Apply
RESIDENT
Salaried
BUSINESS
Self Employed
PRACTICING PROFESSIONALS
Self Employed
*T&C Apply
- EMI Amount
- Loan Eligibility
Loan Tenure
Your Monthly EMI
₹
For the years at the % of interest rate
Total Interest Payable
₹
Total Payment (Interest + Principal)
₹
Loan Tenure
Your EMI Will Be
₹
Your Eligibility
₹
- Salaried
- Self-Employed
- Self-Employed Professional
- 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 letter head (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)
For resale home loans
- 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
For resale home loans
- 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
For resale home loans
- 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
- Loan Against Property
- Documents
- NACH
It is a loan against fully constructed, freehold residential and commercial properties for personal or business needs. The funds obtained can be also used for other purposes including marriage, medical expenses, or child’s education etc. Please note that if you have an existing Loan Against Property (LAP) from other banks and financial institutions, you can transfer it to Godrej Capital.
For new customers, you can get funding up to 80% of the property value depending on the segmentation and the property type. But, for existing customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the market value of the mortgaged property as assessed by Godrej Finance.
Loan Against Property (LAP) can be availed by both, salaried and self-employed individuals for professional needs such as business expansion, debt consolidation, and various personal needs including homeownership, marriage, child education etc.
You can avail of Loan Against Property for a maximum term of up to 25 years subject to internal policies of a lending institution.
TBC
Yes, Loan Against Property (LAP) can be availed against fully constructed and freehold commercial properties.
Click here to know the documents required for a Loan Against Property. For applicable Fees & charges, refer Schedule of Charges.
- Business expansion
- Long-term working capital
- Purchase of equipment
- Holiday
- Education of children.
National Automated Clearing House (NACH) is a centralized structure created to make payments more accessible and cost-effective. It offers a fast and efficient clearing platform. The NACH debit mandate is used by Godrej Capital to automatically deduct monthly instalments from your bank account for the loan availed.
There are two ways to cancel NACH mandate.
- You can log in to the Customer Portal and request to cancel the mandate through the Write to Us section.
- You can also send an email to customercare@godrejcapital.com through registered email ID or call our Customer Care +91 22 68815555 through a registered mobile number and place a request for NACH mandate cancellation.
Please note that you need to mention the Loan Account Number (LAN) in the request, and our team will connect with you within 48 hrs.
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