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




Professional Loan for Chartered Accountant


Get quick access to funds with a zero-collateral loan process designed to facilitate professional outcomes of Chartered Accountants based on qualification and experience. Set up a new office, increase working capital, hire new professionals, or renovate existing space – Godrej Capital’s Professional Loan for Chartered Accountants helps scale up your professional graph.

Professional Loan for

Chartered Accountant




Get quick access to funds with a zero-collateral loan process designed to facilitate professional outcomes of Chartered Accountants based on qualification and experience. Set up a new office, increase working capital, hire new professionals, or renovate existing space – Godrej Capital’s Professional Loan for Chartered Accountants helps scale up your professional graph.


Benefits


Loan amount of up to INR 30 lakhs

Zero Collateral
Interest rates from 8.39% onwards

Zero collateral loan

Fully Digitized Process
Interest rates from 8.39% onwards

Loan tenure of up to 60 months

Interest rates from 8.39% onwards
Interest rates from 8.39% onwards

Rewards on timely repayments

Interest rates from 8.39% onwards
Interest rates from 8.39% onwards


Key Features



Make the most of a seamless financing solution with Godrej Capital’s Professional Loan designed to help practising Chartered Accountants achieve their career aspirations.

Professional Loan for CA

  • Zero Collateral: Get collateral-free loans without mortgaging assets 
  • Higher Loan Amount: Avail loan amount of up to INR 30 lakhs to maximise outcome.
  • Competitive Interest Rates: Interest rates starting at 14% p.a.
  • Higher and Quick Loan Eligibility: 24-hour approvals and higher loan eligibility granted based on qualification and experience certificate
  • BizRewards: Get more than just a good credit score on timely EMI repayments in the form of exciting rewards
  • Fully Digitized Process: Experience a seamless loan journey that’s digitised, right from application to disbursal

*T&C Apply

key-benefits



Avail flexibility in repayment that allows you to plan your finances better.
 




  • Repay your loan based on capability and comfort with ‘Design your EMI’
  • Pay only interest for a select quarter or a year*

*T&C Apply

key-benefits




BizRewards takes away the monotony of loan repayment. Make timely repayments and earn attractive rewards.
 

  • Earn vouchers for timely repayment of your loan installments
  • Rewards across categories including lifestyle, wellness, travel, and more

*T&C Apply

Biz-Rewards




*T&C Apply



Interest Rates,

Fees & Charges

 

Scale-up operations, expand to new office space, or fulfil your professional aspirations with Godrej Capital’s competitive interest rates on Professional Loan for Chartered Accountants.

Interest Rates, Fees & Charges

 

Scale-up operations, expand to a new office space, or fulfil your professional aspirations with Godrej Capital’s competitive interest rates on Professional Loan for Chartered Accountants.


Types of fees
Charges applicable
Rates of Interest
Starting at 14% Per Annum
Loan Amount
INR 5 Lakhs to INR 30 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
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 14-22% 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 Loan EMI Will Be

Your 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 14-22% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to your ideal repayment period to generate your Loan Eligibility Amount.
     

How our Eligibility Calculator can help you:
 

  • Quickly determine the Loan amount you can avail 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

Documents Type Documents Requirement
KYC
  • PAN Card and Aadhar Card of the borrower

  • Qualification Proof

Income 
  • Banking statement (last 6 months)

  • Certificate of Practice

  • ICAI Registration


Eligibility Criteria

Criteria Requirement
Loans for

Indian resident 

Profile

Practising Chartered Accountant 

Age

25 years to 65 years of age

Business Vintage

Minimum 5 years

 



FAQs


A professional loan for Chartered Accountant (CA) is a specialised financial solution offered by Godrej Capital to support CAs in meeting their unique financial requirements. It is designed to help them expand their practice, enhance financial services, and manage professional expenses without the need for collateral.

Applying for a professional loan with Godrej Capital is a seamless process. You can initiate the application online by visiting our website and filling out the application form. The latest technological advancements allow for a rapid eligibility check within 24 hours.

A professional loan for Chartered Accountant can be used for various purposes, including but not limited to practice expansion, superior technology, office infrastructure, hiring skilled personnel, and meeting other professional needs.

Godrej Capital offers professional loans with a substantial loan limit of up to INR 30 lakhs. This allows Chartered Accountants (CAs) to make significant improvements to their professional services.

Eligibility for a professional loan is primarily based on the qualifications and experience of the Chartered Accountant. The other prerequisites include but are not limited to:

 

  • A resident Indian

  • Between the age of 25-65 years of age

  • A practicing Chartered Accountant for minimum 5 years.

Meeting these criteria enhances the chances of securing financial support, considering a good credit history of the applicant.

The documentation requirements for a professional loan are streamlined, minimizing complexity. Specific documents may include:

 

  • KYC documents like ID and address proof
  • Proof of qualifications
  • Proof of experience
  • Proof of income
  • Other relevant financial documents
  • Certificate of practice and ICAI registration

The tenure for a professional loan for Chartered Accountant (CA) varies, providing flexibility based on individual needs. The repayment period can be chosen to align with the financial capacity of the CA.

No, a professional loan for Chartered Accountants (CAs) with Godrej Capital does not require collateral. This allows CAs to safeguard their valuable assets while securing the necessary funds to enhance their professional practice.

BizRewards is an exclusive rewards program offered by Godrej Capital to appreciate and recognize our valued customers for their commitment to timely repayments. It goes beyond the conventional benefits of maintaining a good credit score, providing exciting rewards in the form of exciting vouchers.

Design Your EMI is a flexible repayment facility that allows borrowers to tailor their EMI schedules, offering flexibility in repayment amounts according to their financial needs. The feature comes in two variants: annual and quarterly. In the annual variant, customers can opt to pay interest only for up to 24 months for a 5-year tenure. Meanwhile, in the quarterly variant, customers have the flexibility to select a quarter each year, to repay interest-only (capped at 4 quarters in the tenure). This empowers customers to Design EMI according to their business requirements.





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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.