Godrej Capital Business Loan

Offered by Godrej Finance Limited

A collateral-free business loan from Godrej Finance Limited (Godrej Capital) for MSMEs and self-employed professionals who need working capital or growth funding. The application, from KYC to disbursement, is completed online.

Interest rate

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Loan amount

₹3 L – ₹75 L

Tenure

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Processing fee

Up to 3% of the loan amount (another table on the same page states up to 2% plus applicable taxes; the sanction letter confirms the final fee)

As of 9 Nov 2026, from the lender's official website. Final terms depend on your profile and are confirmed in the Key Fact Statement.

Check eligibility & apply →

Key benefits

Collateral-free loan of ₹3 lakh to ₹75 lakh
Interest rates starting from 17% p.a., subject to profile, business vintage and loan amount
Repayment tenure up to 72 months
Design Your EMI option, including interest-only payments for a select quarter or up to 24 months
Foreclosure charges up to 6% of principal outstanding; part-prepayment charges 4% of the amount prepaid
Flexi Funds overdraft-like facility, with interest charged only on the amount withdrawn

Best for

Established MSMEs needing larger collateral-free loans

Pros

Loan amounts up to ₹75 lakh without collateral
Long tenure of up to 72 months
Flexible EMI options for seasonal businesses

Cons

Requires at least 3 years of business vintage and 2 years of ITRs
Foreclosure charge of up to 6% and part-prepayment charge of 4%
Processing fee shown inconsistently on the official page (up to 2% and up to 3%)

Eligibility

Age 25 to 65 years at the time of application
Indian resident
Proprietorship, partnership, LLP, private limited company or one-person company
At least 3 years of continuous business operations
CIBIL score of 700 and above preferred
ITR filed for at least the last 2 financial years
GST registration where applicable; verifiable business premises (owned or rented)

Documents required

PAN card
Aadhaar card (proof of address)
Passport-sized photo
Udyam certificate (if applicable)
GST certificate (if applicable)
Latest 6 months bank statement

Frequently asked questions

How much can I borrow?

Godrej Finance offers business loans from ₹3 lakh to ₹75 lakh without collateral, based on income and other parameters.

What is the minimum business vintage?

At least 3 years of continuous operations, with ITRs filed for at least the last 2 financial years.

Can I prepay the loan?

Yes. Foreclosure charges are up to 6% of the principal outstanding and part-prepayment charges are 4% of the amount prepaid, as per the official page.

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Business & MSME Loans