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Godrej Finance Limited Business Loan

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Avail up to ₹1 Cr starting at 13%

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Godrej Finance Business Loan Highlights

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

Interest Rate
  • For Godrej Finance Business Loan: 17% p.a. onwards
Loan Amount
  • For Godrej Finance Business Loan: Up to Rs. 75 lakh, based on the loan applicant’s income and other parameters
  • For Commercial LAP: Rs. 15 crore
Loan Tenure
  • For Godrej Finance Business Loan: Up to 6 years
  • For Commercial LAP: 15 years
Processing Fees
  • For Godrej Finance Business Loan: Up to 3% of the loan amount

Godrej Finance Business Loan Interest Rates

Godrej Finance Limited Business Loan interest rates start from 17% p.a. The final business loan interest rate depends on multiple factors, including:

  • Credit score
  • Existing debt-to-income ratio
  • Income stability
  • Business industry and vintage
  • Others

Fees and Charges for Business Loans from Godrej Finance Limited

The fees and charges for availing Godrej Finance Business Loan are mentioned below:

Particulars Fees and Charges
Processing Fees Up to 3% of the loan amount
Foreclosure charges 3% of the outstanding principal amount at the time of foreclosure
Part-Prepayment charges 4% of the prepaid amount
Late Payment Penalty 2% of the total instalment outstanding (Principal+Interest)

Godrej Finance Business Loan Eligibility Criteria

The business loan eligibility criteria set for availing Godrej Finance Business Loan are as follows:

  • 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 of vintage of business operations.

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    Documents Required for Godrej Finance Business Loan

    The documents required for availing a Godrej Finance Business Loan are mentioned below:

    • PAN Card
    • Aadhaar Card
    • Photograph
    • Udyam Certificate
    • GST Certificate
    • 6 months’ bank statement

    Godrej Finance Limited Commercial Property Loans

    Godrej Finance Commercial Property Loans enable both salaried and self-employed individuals to avail funding for the 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 Rate: 9.75% p.a. onwards
    • Loan Amount: Up to Rs. 10 crore
    • Loan Tenure: Up to 25 years or age of retirement of the applicant, whichever is earlier
    • LTV: Up to 70% of the market value of the property
    • Processing Fee: Up to 2% of the loan amount
    • Foreclosure Charges: 4% as applicable
    • Late Payment Penalty: 2% of total outstanding EMI

    Eligibility Criteria

    • 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 are not eligible for availing this loan

    Documents Required

    • Employment proof for 5 years (e.g. Form 16, joining date on salary slip, employer letter, appointment letter, etc.)
    • PAN Card or Form 60 (mandatory)
    • Proof of Address & Identification – Aadhaar, Voter ID, Passport, Driving Licence
    • Property Ownership Documents:
      • Allotment Letter / Stamped Agreement for Sale
      • Payment receipts or bank statement showing payments made to the builder
    • For Resale Properties:
      • Current Registered/Draft Agreement for Sale (only for Maharashtra)
      • Allotment Letter / Stamped Agreement for Sale
      • Prior Chain Link Title Documents
      • Occupancy Certificate (if property is ready) / Approved Plan copy
      • Share Certificate (only for Maharashtra)
      • Maintenance Bill
      • Property Tax Receipt
      • Payment receipts or bank statement showing payments made to the seller

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

    Godrej Finance Limited Customer Support

    For customer support, borrowers can contact:

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    What our customers say

    Convenient Business Loan

    Running a small manufacturing unit means constantly managing working capital. I always check my CIBIL score on Paisabazaar app. I have taken the business loan twice from Paisabazaar, have already paid once and am going to close the second loan soon. Very convenient for me and transparent as well.

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    Easy Credit Score Tracking

    As a small business owner, I know that maintaining a healthy credit profile is important before applying for a business loan. This Paisabazaar app helped me stay updated with my credit score and get the business loan at just 13%. All in all a very useful app for entrepreneurs as well.

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    Meher SinghJan 22, 2026

    Hassle-free Business Loan

    I would like to take a moment to sincerely appreciate Rohit Kumar's (EW25946) continuous support and clear communication. Your timely responses, cooperation, and willingness to help have made a significant difference and contributed greatly to smooth coordination and successful outcomes. Your professionalism and positive approach are truly commendable, and it has been a pleasure working with you. Thank you for your dedication and for maintaining such effective communication throughout.

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