Empower your growing business with

Business Loan for MSMEs

Quick digital sanction
Easy customer support
Rewards on repayments
Flexi funds facility

About Godrej Capital Business Loan for MSMEs

Are you an MSME owner looking for funds to expand your business? With Godrej Capital Business Loan, we empower you with customizable and flexible financing solutions to take your business to the next level. No collateral? No problem. Apply now for a seamless experience!

Collateral-free loans up to

INR 50 lakhs

Interest rates starting from

17% p.a.

Eligibility check in

24 hours

Repayment cycle up to

72 months

Why Choose Godrej Capital Business Loan?

Design Your EMI

Craft your EMI plans according to your business needs.

Adapt your repayments to your business's cashflow requirements, freeing up capital for strategic investments. Plus, during seasonal dips, take advantage of interest-only payments to ease the burden and keep your business running smoothly.

Pay interest-only for select quarters or up to 24 months
Pay your EMIs as per your convenience, capability, and comfort

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BizRewards

Turn responsible repayments into earning possibilities with BizRewards!

Get rewarded for what matters most - your financial responsibility! Timely EMI payments will not only maintain your credit score but also earn you exciting rewards.

Earn exciting rewards on timely repayment of your EMIs
Choose from a wide range of vouchers across lifestyle, wellness, fashion, travel, and more
Total reward value up to INR 20,000

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Flexi Funds

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

Flexi Funds, an Overdraft-like facility, offers micro, small, and medium businesses (MSMEs) flexible access to funds, allowing them to withdraw and repay based on convenience. This facility offers MSMEs the flexibility to efficiently manage the cashflow needs of their businesses by allowing them to pay interest only on the utilized amount.

No fixed EMIs - Interest only charged on the amount you withdraw
Repayment tenure of up to 6 years
Sanctioned limit of up to INR 50 lakhs

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Grow with Nirmaan

Build your business dreams, all in one place: Nirmaan, your one-stop growth partner.

Are you a micro, small, or medium-scale enterprise (MSME)? Join Godrej Nirmaan for full support and a variety of valuable services. We help with business expansion, smooth operations, and upskilling – all in one place, catering to your business needs with expertise and care.

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

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Business Loan Calculators

Eligibility

Interest Rates & Charges

Scale your business without any burden – our competitive interest rates ensure affordability meets opportunity.

Types of fees	Charges applicable
Rate of Interest	Starting from 17% per annum
Loan Amount	INR 5 lakhs to INR 50 lakhs
Processing Fees	Up to 3% of the loan amount
Foreclosure Charges	Up to 6% of principal outstanding at the time of foreclosure
Part Pre-payment Charges	2% of the amount prepaid
Charges towards Stamp Duty	As applicable & prescribed by the relevant Government Authority

Documents Required

Important documents required for Business Loan for MSME

KYC Documents	PAN Card
	Aadhar Card (Proof of Address)
	Passport-sized photo
	Udhyam Certificate (if applicable)
Income Documents	GST Certificate (if applicable)
Income Documents	Latest 6 months bank statement

*Refer Policy document for more details

Eligibility

Eligibility Criteria

Loans for	Self Employed Non-professionals
Profile	The applicant should be a Sole Proprietor/Partnership firm/Private Ltd Co./Unlisted Public Ltd Co./LLP involved in the business of Manufacturing, Trading or Services
Age	25 to 65 years
Business Vintage	1. Minimum business vintage of 3 years 2. Minimum turnover of INR 40 lakhs 3. Bank account in the name of the business 4. Minimum profit of INR 3 lakhs

* Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.