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Get complete insight into Godrej Capital Business Loan interest rates, EMI structures, and associated fees.
With the Godrej Capital Business Loan, you can access financing of up to ₹50 Lakhs to support your business growth. The loan offers flexible repayment tenures of up to 72 months, enabling you to manage cash flow efficiently while funding expansion and operational needs.
The lender offers affordable interest rates with flexible tenures that suit your business needs. Below is an overview of the key details:
| Particulars | Details |
|---|---|
Loan Amount |
Up to ₹50 Lakhs |
Starting Interest Rate |
16% p.a. |
Loan Tenure |
Up to 72 Months |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Apart from the interest rate, the lender levies certain charges that contribute to the overall loan expense. Here are the Godrej Capital Business Loan Fees and charges:
| Particulars | Details |
|---|---|
Processing Fee |
Up to 3% of the loan amount |
Prepayment/Foreclosure Charges |
Up to 6% of the principal outstanding amount upon foreclosure |
Part Prepayment Charges |
2% of the amount prepaid |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Understanding the EMI structure enables you to plan your monthly budget efficiently. The EMI amount is determined by the loan principal, repayment tenure, and applicable interest rate. Below is a sample EMI breakdown for a loan of ₹12 Lakhs at an interest rate of 16% across different tenures:
| Loan Tenure | Monthly EMI (₹) | Total Interest Amount | Total Payable Amount |
|---|---|---|---|
12 Months |
₹1,08,877 |
₹1,06,524 |
₹13,06,524 |
24 Months |
₹58,755 |
₹2,10,137 |
₹14,10,137 |
36 Months |
₹42,188 |
₹3,18,783 |
₹15,18,783 |
48 Months |
₹34,008 |
₹4,32,400 |
₹16,32,400 |
60 Months |
₹29,181 |
₹5,50,900 |
₹17,50,900 |
72 Months |
₹26,030 |
₹6,74,175 |
₹18,74,175 |
Disclaimer: The EMI calculations are for illustration purposes only. Actual figures may vary depending on the loan terms.
When considering a business loan, it is essential to compare interest rates across various lenders to make an informed decision. The table below provides a comparison of Godrej Capital Business Loan interest rates, tenures, and amounts with other partners on Bajaj Markets:
| Available Offerings | Starting Interest Rate (p.a.) | Max. Loan Amount | Max. Tenure | Processing Fees |
|---|---|---|---|---|
14.00% |
₹80 Lakhs |
96 months |
Up to 4.72% (Inclusive of applicable taxes) of the loan amount |
|
15.50% p.a. |
₹75 Lakhs |
60 months |
2% + GST |
|
16.50% |
₹30 Lakhs |
48 months |
Up to 2.5% |
|
18% |
₹30 Lakhs |
36 months |
3% to 4.25% |
|
18% (reducing) |
₹50 Lakhs |
42 months |
Up to 2.5% of the loan amount |
|
19.20% |
₹35 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
20% |
₹2 Lakhs |
36 months |
3% of the loan amount |
|
20.50% |
₹35 Lakhs |
36 months |
1% - 6% of the loan amount |
|
22% |
₹10 Lakhs |
36 months |
Up to 4.72% (Inclusive of applicable taxes) |
|
22% |
₹10 Lakhs |
36 months |
3% to 4% of the loan amount + GST |
|
22% |
₹30 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
24% |
₹3 Lakhs |
60 months |
2% to 5% of the loan amount |
|
24% |
₹50 Lakhs |
72 months |
NIL |
|
29.50% p.a. |
₹2 Lakhs |
30 months |
Up to 2% of the loan amount |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Several important factors determine the interest rate you get on a business loan from Godrej Capital Limited. Understanding these can help you secure a more favourable rate and better loan terms:
The longer your business has been operating successfully, the higher the likelihood of obtaining a lower interest rate. A well-established business shows stability and reduces the perceived risk for the lender.
A strong credit score, typically 650 or above, demonstrates reliability in repaying loans and increases your chances of securing a competitive rate. Lenders consider it a key indicator of your financial discipline and repayment capacity.
Loans with shorter repayment periods often attract lower interest rates. The total loan amount also affects the rate, as higher amounts may be considered riskier, prompting lenders to adjust the interest accordingly.
Businesses operating in stable industries with consistent income and growth potential are more likely to receive favourable rates. Lenders prefer to finance sectors that are less volatile and are known to have predictable cash flow cycles.
Demonstrating regular cash flow and the ability to comfortably meet monthly EMIs can help secure a competitive interest rate. Lenders evaluate your repayment capacity to ensure that the loan is serviced without delays or defaults.
On Bajaj Markets, the interest rate starts from 16% p.a. The final rate you get is determined based on factors such as your business profile, CIBIL Score, loan amount, and other eligibility parameters.
The foreclosure charges for a Godrej Capital Business Loan are up to 6% of the principal outstanding amount upon foreclosure when you apply on Bajaj Markets.
Yes, your credit history significantly impacts the applicable interest rate. A strong credit score, generally 650 or above, improves the chances of securing more favourable terms.
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