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Godrej Capital

Udyog Loan Against Property in Chennai

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

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Unlock Your Business Growth with Udyog Loan Against Property in Chennai

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Whether you're running a manufacturing unit in Anna Nagar, a trading business in Chromepet, or a growing venture in Chennai, Godrej Finance Udyog Loan Against Property offers customised support to help your business thrive. With higher eligibility, minimal documentation, and fast approvals, we’re making business funding seamless for MSMEs in Chennai.
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Why Choose Godrej Capital for Udyog LAP in Chennai

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Design Your EMI

Your EMI, your way.

Adapt your repayment plan to your cash flow. Choose interest-only payments for up to 12 months, giving your business time to grow before EMIs begin.

  • Pay interest only for up to 12 months
  • Flexible EMIs based on your convenience and capacity

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Grow with Godrej Capital Nirmaan

From registrations and compliances to vendor and HR support – Nirmaan helps you manage and scale your business with ease.

  • Partner benefits worth up to ₹50,000
  • Zero registration fees
  • Access to growth services, market linkages, digital tools, and more
  • Visit Godrej Nirmaan

Apply Now
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Flexi Funds – Overdraft-like Facility

Need funds on the go? With Flexi Funds, access your approved limit whenever required and pay interest only on what you use.

  • Sanctioned limit up to ₹3 crore
  • Tenure up to 15 years
  • No fixed EMIs
  • Interest only on the utilised amount
  • Multiple dropline variants: Monthly, Quarterly, Half-Yearly, Annual, Hybrid

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Udyog Loan Against Property Calculators - Chennai

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Home Loan

Plot Loan

Property Loan

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Frequently Asked Questions

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Udyog Loan Against Property
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Explore Udyog Loan Against Property Offer in Your City

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Explore More Products

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Stories in Focus - Blogs

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/about-us/blogs/loan-against-property/udyog-loan-against-property-all-you-need-to-know

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/about-us/blogs/business-loan/udyog-loan-against-property-vs-flexi-funds

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/about-us/blogs/loan-against-property/all-about-loan-against-property

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Connect with Our Customer Support Team

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ⓘ Need more information or answers to your questions in the meantime? Check out FAQs
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Question-1
What is Godrej Capital Udyog Loan Against Property?
Answer-1
Godrej Capital 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 Capital 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 Capital 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 Capital 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..