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Godrej Capital Business Loan

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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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Step 1: Enter your mobile number in the application form.

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Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Godrej Capital Business Loan Highlights

Interest Rate
  • For Godrej Capital Business Loan: 17% p.a. onwards
  • For Godrej Capital Commercial Property Loan: 9.75% p.a. onwards
Loan Amount
  • For Godrej Capital Business Loan: Up to Rs 25 lakh, based on the loan applicant’s income and other parameters
  • For Godrej Capital Commercial Property Loan: Up to Rs 10 crore
Loan Tenure
  • For Godrej Capital Business Loan: Up to 5 years
  • For Godrej Capital Commercial Property Loan: Up to 25 years or age of retirement of the loan applicant, whichever is earlier
Processing Fees
  • For Godrej Capital Business Loan: Up to 3% of loan amount
  • For Godrej Capital Commercial Property Loan: Up to 2% of loan amount

Godrej Capital Business Loan Interest Rates

Godrej Capital Business Loan interest rates start from 9.75% p.a. The interest rates provided by the lender for its business loan schemes are as follows:

Particulars Interest Rates (p.a.)
Godrej Capital Commercial Property Loan 9.75% p.a. onwards
Godrej Capital Business Loan 17% p.a. onwards

Fees and Charges for Business Loans from Godrej Capital

The fees and charges for availing Godrej Capital Business Loans are mentioned below:

Godrej Capital Business Loan

Particulars Fees and Charges
Processing Fees Up to 3% of loan amount
Foreclosure charges 4% of the outstanding principal amount at time of foreclosure
Part Prepayment charges 2% of prepaid amount
Stamp duty charges As prescribed by the relevant government authority

Godrej Capital Commercial Property Loan

Particulars Fees and Charges
Processing Fees Up to 2% of loan amount
Foreclosure charges
  • For balance transfer to another bank/NBFC/HFC: 4% for foreclosure on prepaid principal amount
  • For payment through own sources: 4% on prepaid principal if the total amount prepaid in a financial year is above 20% of the outstanding loan amount
Late payment penalty 2% of total outstanding EMI

Types of Business Loans provided by Godrej Capital

Godrej Capital Business Loan

Purpose: Godrej Capital Business Loans enable businesses to avail unsecured loans to fund their business expansion, purchase machinery, equipment or software, ensure steady cash flow for their business, purchase/stock inventory, meet their working capital requirements, purchase long term assets, etc. The lender provides business loans with minimal documentation and quick disbursal.

Interest rates: 17% p.a. onwards

Loan amount: Up to Rs 25 lakh, based on the loan applicant’s income and other parameters

Loan tenure: Up to 5 years

Godrej Capital Commercial Property Loans

Purpose: Godrej Capital Commercial Property Loans enable both salaried and self-employed individuals to avail funding for purchase/construction of commercial property along with improvement/extension of their existing commercial property. The lender also offers an EMI break in the first 3 years of your loan.

Interest rates: 9.75% p.a. onwards

Loan amount: Up to Rs 10 crore

Loan tenure: Up to 25 years or age of retirement of the loan applicant, whichever is earlier

Loan to value ratio: Up to 70% of the market value of the property

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Godrej Capital Business Loan Eligibility Criteria

The business loan eligibility criteria set for availing Godrej Capital Business Loans are as follows:

Godrej Capital Business Loan

  • Sole proprietor, partnership firm, private limited company, unlisted public ltd. company or LLP involved in the business of manufacturing, trading or services.
  • Age: 21 to 65 years
  • Minimum 3 years vintage of business operations.

Godrej Capital Commercial Property Loan

  • Sole proprietor, partnership firm, private limited company, unlisted public ltd. company or LLP involved in the business of manufacturing, trading or services.
  • Resident Indians
  • Salaried and self-employed NRIs not eligible for availing this loan

Documents Required for Godrej Capital Business Loan

The documents required for availing different types of Godrej Capital Business Loan schemes are mentioned below:

Godrej Capital Business Loan

Identity and address proof documents

  • PAN Card or Form 60 (mandatory)
  • Valid Passport
  • Proof of possession of Aadhaar number
  • Voter’s Identity Card
  • Valid Driving License
  • Job card issued by NREGA duly signed by an officer of the state government
  • Income documents
  • ITR, financial statements (including P&L Account and Balance Sheet), Certificate of Incorporation and schedules for 2 years
  • Last 12 month bank statements
  • GST returns of 24 months from the last filed ITR till the current date
  • Business continuity proof of 5 years

Godrej Capital Commercial Property Loan

  • Pan Card or Form 60 (mandatory)
  • Proof of identity and address : Aadhaar number, Passport, Driving License, Voter’s Identity Card
  • Income documents (for salaried):
    • Last 1 month salary slip/certificate authorized by company’s signatory on the letterhead,
    • Employment proof for 2 years (Form 16, joining date on salary slip, employer’s letter, appointment letter etc.),
    • Bank account statement of last 6 months where salary is credited,
    • Proof of bonus (of last 2 years) or variable incentive (of last 6 months) with the bank statement reflecting the credits and salary slip letter reflecting the bonus/variable incentive
  • Income documents (for self-employed):
    • ITR, financial statements (including P&L Account and Balance Sheet), Certificate of Incorporation and schedules for 2 years certified by a Chartered Accountant
    • Bank statements of last 12 months
    • Business continuity proof of last 5 years
    • Tax audit report, if applicable
  • Income documents (for self-employed professionals):
    • ITR, financial statements (including P&L Account and Balance Sheet), Certificate of Incorporation and schedules for 2 years certified by a Chartered Accountant
    • Proof of continuity of practice of last 5 years
    • Tax audit report, if applicable
    • GST challans of last 1 to 3 quarters since filing of last returns
    • Bank statement showing rental credits and registered rent agreement, if applicable
  • Property documents:
    • Current registered/draft sale agreement (only for Maharashtra), allotment letter, stamped agreement for sale
    • Occupancy certificate (if property is ready) or approved plan copy (xerox blueprint)
    • Prior chain link title documents
    • Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
    • Bank account statement or payment receipts showing all payments made to the seller

Note: Godrej Capital may ask its business loan applicants to submit additional documents, apart from the ones mentioned above, based on their profile.

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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