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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

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

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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

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!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loans

 

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

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

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.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs






Our Profession Loan


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


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 of up to INR 35 lakhs: Get a professional loan of up to INR 35 lakhs to enhance your practice. 
  • Interest rates from 12% 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.

*T&C Apply

key-benefits



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


homekey


  • 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.

*T&C Apply

key-benefits


Interest Rates, Fees & Charges

 

Interest Rates,

Fees & Charges

 


Types of fees
Charges applicable
Rates of interest
12% To 22% 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 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 12-22%.
  • 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 12-22%.
  • 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

Degree

MD, MBBS, MDS & BDS

 


FAQs

FAQs


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

We offer a multi-purpose Professional Loan that can be used to meet professional purposes or certain financial obligations of doctors. You can use these funds for professional purposes, like hiring new staff, purchasing new technology, expanding your profession, etc.

 

The Professional Loan for Doctors is available at a competitive rate starting from 12% p.a. to provide a cost-effective financing solution.

 

The maximum loan amount available through our Professional Loan is ₹5 to ₹35 Lakhs subject to certain factors.

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

The eligibility for a Professional Loan 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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