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.

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.






Our Loan Against Property


Finance your business and personal dreams at attractive interest rates with Godrej Capital’s Loan

Against Property

Our Loan Against Property


Finance your business and personal dreams

at attractive interest rates with Godrej

Capital’s Loan Against Property


Interest rates from dynamicLoanAgainstIntRate% onwards

Interest rates from 9.25% onwards
Interest rates from 9.25% onwards
dynamicLoanAgainstIntRate%

Loans avaliable upto INR 25 Crores

Loans up to 10 Cr
Loans up to 10 Cr

Longer tenures of upto 25 years

Longer tenures of upto 20 years
Longer tenures of upto 20 years

Interest-Only Payments up to 36 months

Longer tenures of upto 20 years
Longer tenures of upto 20 years

Key Features





Be it purchasing a home, expanding a business, or funding your child’s education, we help you create moments of joy with our Loan Against Property product.
Be it purchasing a home, expanding a business, or funding your child’s education, we help you create moments of joy with our Loan Against Property product.

lap-key-benefits-image.jpg

  • 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 avaliable on both, personal and commercial properties
  • (Coming Soon) Pay Instalments as per your choice: Quarterly, Bi-monthly (once in 2 months).

*T&C Apply

EMI Break


Manage your finances better with the Flexible re-payment plans from Godrej Capital


lap-EMI-break

  • 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

EMI Break


 

Low Interest Rates


We listen to what you need. Godrej interest rates on Loans Against Property are designed to fit
your Aspirations and needs.

 

Low Interest Rates


We listen to what you need. Godrej interest rates

on Loans Against Property are designed to fit your

lifestyle.




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 years at the % of interest rate

Total Interest Payable

Total Payment (Interest + Principal)



How to use the EMI Calculator?

  • Input the amount you need to avail as a loan using the slide bar.
  • Key in 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:

  • Aids in making a well-informed decision for your finances
  • Assesses the tenure that would be feasible for your loan repayment
  • Commences long-term financial planning basis the available EMI-related data
  • Gauges the amount of interest you would pay
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan Eligibility



How to use the Eligibility Calculator?

  • Input your net monthly income using the slide bar. This can include income from multiple sources.
  • Enter the total amount of EMIs from existing loans.
  • Key in 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 greater optimal accuracy
  • Assesses the benefits of loan with ease


Mandatory documents

 required for property loan for


Mandatory documents required for 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 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

FAQs

FAQs


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.

 



Unlock your aspirations, fulfil your business & personal dreams

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