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




Our Profession Loan for Doctors


We empower you to scale your medical practice with modern equipment, improve patient facilities or hiring skilled staff with our Professional Loan for Doctors.

Our Profession Loan for Doctors


We empower you to scale your medical practice with modern equipment, improve patient facilities or hiring skilled staff with our Professional Loan for Doctors.


Benefits


Zero Collateral

zero-collateral
Zero Collateral

Fully Digitized Process

fully-digitised-process
Fully Digitized Process

Rewards on timely repayments

Rewards on timely repayments
Rewards on timely repayments

Loan based on Qualifications and Experience

Loan based on Qualifications and Experience
Loan based on Qualifications and Experience

Key Features





Experience hassle-free financing solutions that cater to your diverse needs with our Professional Loan for Doctors in India.

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  • Zero collateral: Get collateral free loans without mortgaging your property or other assets as security
  • Loans up to INR 35 lakhs: Get a professional loan of up to INR 35 lakhs to enhance your practice
  • Interest rates from 14% p.a. onwards: Secure a loan for doctors at competitive interest rates that promise to keep you stress-free
  • Loan eligibility based on qualifications: Secure the best loan for doctors based on your experience and qualifications
  • Quick Loan Eligibility Within 24 Hours: Get quick eligibility check on loan for doctors within 24 hours of applying and enhance your medical practice in no time
  • Minimal Documentation: Get a loan without any complicated documents or paperwork
  • Rewards on Timely Repayments: Get more than just a good credit score on timely EMI repayments in the form of exciting rewards
  • Fully Digitised Process: Experience a seamless process that’s completely digitized, right from applying to approval to disbursal
key-benefits

*T&C Apply



Ever thought your business loan repayments could earn you rewards? We make it happen with Godrej Capital BizRewards.
 


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  • Earn exciting reward vouchers for timely repayment of your business loan instalments
  • We reward your timely repayment behavior with reward vouchers across categories including lifestyle, wellness, fashion, travel, and more
key-benefits

*T&C Apply



Interest Rates, Fees & Charges

 

Interest Rates,

Fees & Charges

 


Types of fees
Charges applicable
Rates of interest
Starting at 14% Per Annum
Loan Amount
INR 5 Lakhs to INR 35 Lakhs
Processing fees
Upto 3% of the loan amount
Foreclosure Charges
4% of principal outstanding at the time of foreclosure
Part Pre-payment charges
2% of 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?

  • Input the amount you need to avail as a loan using the slide bar
  • Key in the interest rate from 14-22%
  • 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 EMI Will Be

Your 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 14-22%
  • 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

Documents Just what is needed. Nothing more.


Documents. Just what is needed. Nothing More.


Documents Required

Documents Type Documents Requirement
KYC
  • Identity and Address Proof

  • Bank statement of last 6 months

  • Qualification proof of the highest professional degree

  • Medical Registration Certificate

  • Property Ownership Proof (Residential/Commercial)


Eligibility Criteria

Criteria Requirement
Nationality

Indian

Age

25 to 65 years

Minimum Professional Experience

Practicing doctor or consultant for more than 3 years

Loans for

Allopathy doctors

 

*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

FAQs


Only professionally qualified Doctors pursuing independent medical practice or running a clinic are eligible to apply for the loan.

Professional Loan for Doctors can be used to meet professional purposes or certain financial obligations. You can use these funds for professional purposes, like hiring new staff, purchasing new technology, expanding your profession, etc.

Professional Loan for Doctors is available at a competitive rate starting from 14% p.a. to provide a cost-effective financing solution.

The maximum loan amount that can be availed through our Professional Loan for Doctors is ₹ 5 to ₹ 35 Lakhs subject to certain factors.

The minimum tenure of a Professional Loan for Doctors tentatively ranges between 12 and 60 months subject to certain factors.

The eligibility for a Professional Loan for Doctors is influenced by various factors, including but not limited to:

 

  • Degree & College (MD, MBBS, MDS & BDS)
  • Ownership status of Clinic
  • Work experience
  • Geographic location of the practice
  • CIBIL score
  • Other terms and conditions 

The documents required are:

 

  • Identity and Address Proof
  • Bank statement of last 6 months
  • Qualification proof of the highest professional degree
  • Medical Registration Certificate
  • Property Ownership Proof (Residential/Commercial)

Personal loan caters to salaried Doctors, whereas Professional Loan for Doctors is specifically curated for Doctors in India pursuing independent medical practice or running a clinic.



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