• Udyog Loan Against Property banner
  • Udyog Loan Against Property banner
  • Udyog Loan Against Property banner

Udyog Loan Against Property

Powering MSMEs With the Strength of Assets

  • Loan of up to INR 3 Cr
  • Flexi funds facility
  • Tenure of up to 15 years
  • Wide range of collaterals

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About Godrej Finance - Udyog Loan Against Property

Are you a small business owner looking to scale your business? At Godrej Finance, we understand the hustle. Now, secure a loan against wide variety of collaterals with Godrej Finance - Udyog Loan Against Property. With multiple income sources considered, you can enjoy higher loan eligibility and take your business to newer heights.

Loan amount up to

INR 3 crore


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Interest rates starting from

11% p.a.


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High loan tenure up to

15 years


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Why Choose Godrej Finance - Udyog Loan Against Property?

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Design Your EMI

Your EMI, Your Choice! Personalize your EMI payments as per your cash flow requirements.

Adapt your loan repayments to suit your financial needs. Take advantage of the interest-only period to support your personal or professional goals—big or small.

  • Choose to pay only interest for up to 12 months
  • Schedule your EMIs as per your convenience, capability, and comfort

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Grow With Nirmaan

Growing your business just got easier! Explore Nirmaan - your one-stop solution for all business needs.

Expand locally and globally, navigate government tenders, manage employees, streamline operations, transfer funds securely, get compliance support, and more with Godrej Nirmaan's comprehensive ecosystem.

  • Exclusive partner offerings with discounted pricing
  • Savings of up to INR 50,000
  • Zero registration fees, simply visit Godrej Nirmaan

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Flexi Funds

Explore ready access to funds in just a few simple clicks with Flexi Funds, an overdraft-like facility.

Withdraw funds from a sanctioned limit and repay at your convenience with Flexi Funds - an easy-to-use overdraft-like facility. Flexi Funds provides the flexibility to manage the cash flow needs of your business.

  • No fixed EMIs - Interest only charged on the amount you withdraw
  • Repayment tenure of up to 15 years
  • Sanctioned limit of up to INR 3 crore

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Udyog Loan Against Property Calculators

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Home Loan

Plot Loan

Property Loan

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Interest Rates and Documents

Interest Rates

Our low interest rates help you manage your business cash flows more efficiently.
Indian Resident Salaried

11% to 16%

per annum onwards

Business Self-Employed

11% to 16%

per annum onwards

Professional Self-Employed

11% to 16%

per annum onwards

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Interest Rates and Documents
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* Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.
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Frequently Asked Questions

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Question-1
What is Godrej Finance - Udyog Loan Against Property?
Answer-1
Godrej Finance - Udyog Loan Against Property (LAP), also known as Business Loan Against Property, is a loan offering specially designed to cater to the Micro, Small, and Medium Enterprises (MSMEs) of India. Udyog LAP is a type of secured loan that allows borrowers to obtain financial help by mortgaging their property as collateral. It is aimed at enabling MSMEs to meet their immediate funding requirements without having to liquidate their property.
Question-2
What are the end uses of Udyog Loan Against Property?
Answer-2
Godrej Finance - Udyog Loan Against Property, also known as Business Loan Against Property, is designed to help businesses with their working capital requirements, inventory stock-ups, expansion plans, etc.
In certain cases, the loan can also be utilized for other purposes, including marriage/wedding celebrations, consolidation of high-interest debt, and medical emergencies, among others.
Question-3
What are the benefits of Udyog Loan Against Property?
Answer-3
There are several benefits of obtaining a Business Loan Against Property. As this type of loan is provided by mortgaging collateral, it usually offers lower interest rates and a longer repayment tenure than an unsecured loan.
Godrej Finance - Udyog Loan Against Property, also known as Micro LAP, offers a higher loan tenure of up to 15 years and attractive interest rates starting at 11% p.a. only. This loan solution further offers higher loan eligibility by considering multiple sources of income. Even as the property of the borrower gets mortgaged to the lender in this loan offer, the borrower can continue to reside and habituate the property.
Question-4
What are the eligibility criteria to obtain a Udyog Loan Against Property?
Answer-4

To be eligible for Godrej Finance - Udyog Loan Against Property, commonly referred to as Micro LA, a potential borrower must meet the below-mentioned criteria-

The borrower(s) must be a minimum of 21-25 years of age,

The borrower(s) must be a salaried individual, a self-employed professional, or a partnership or private limited company,

The borrower(s) must meet a specific monthly income requirement based on the nature of their profession,

The borrower(s) must have continuous and stable work experience with the same employer or in the same profession, for at least two to three years,

The borrower(s) must have an Indian citizenship.

Question-5
What documents are required to avail a Udyog Loan Against Property?
Answer-5

Here is a list of documents required to avail a Udyog Loan Against Property (also known as Business Loan Against Property):

Identity proof such as your Aadhaar card and/or PAN card. If a firm/company is applying for a loan against property, they might also be required to submit their GST registration certificate and other applicable business registration documents.

Address proof such as passport (for individuals), electricity bills (for the mortgaged property), and rental agreement (if applicable).

Income proof documents including –

Salary slips for salaried individuals,

Income tax return statements for the past two years or so,

Profit/loss statement and balance sheet for the past two years or so,

GST returns (for self-employed businesses, companies, and firms),

Bank account statements such as salary credit statements and operative bank account statements for the last 3-6 months,

Property documents such as the title deed,

Credit score report and processing fee cheque.

This list is subject to change as per the borrower’s loan requirements..