Godrej Capital

Name

Godrej Capital

Legal name

Godrej Capital Limited

Website

https://godrejcapital.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Godrej Capital is the financial services arm of the 129-year-old Godrej Industries Group, providing home loans, MSME business loans, loans against property, gold loans, professional loans, and the Aarohi women-focused lending program through NBFC subsidiaries across India.

Ownership category

akta.pro rank

Product category

Retail Lending & MSME Finance

NAICS

Other Financial Vehicles (525990)

SIC

Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAHAJAF

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

SECONDARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Housing finance services
• MSME business loans
• Loan against property
• Non-banking financial company
• Digital lending platform

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income - Home Loans: Interest income from housing finance loans offered through Godrej Housing Finance, with rates starting from 7.65% p.a. for resident salaried, loan amounts up to INR 10 crore, LTV up to 90%, tenure up to 30 years.
2. Interest Income - Business Loans: Collateral-free business lending for MSMEs with amounts from INR 3 lakhs to INR 75 lakhs at interest rates starting from 17% p.a., processing fees up to 3% of loan amount.
3. Interest Income - Loan Against Property: Secured mortgage loans for residential, commercial, or industrial properties with rates from 9.50% p.a., amounts up to INR 15 crore, LTV up to 85%, tenure up to 25 years.
4. Interest Income - Udyog LAP: Business LAP for MSMEs with amounts up to INR 7.50 crore, interest rates from 10.75% p.a., tenure up to 20 years.
5. Interest Income - Gold Loans: Gold loan products under RBI co-lending framework with Arvog (80% Godrej participation, 20% Arvog), targeting approximately INR 1,000 crore AUM contribution.
6. Supply Chain Finance: New business line announced for supply chain financing as part of expansion strategy.
7. Digital Personal Lending: Digital personal lending products launched as part of new product category expansion.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels5 records

Core offering

Godrej Capital provides retail and MSME lending products — Home Loans, Business Loans, Loan Against Property, Udyog LAP, Professional Loans, Plot Loans, Commercial Property Loans, Balance Transfer, Gold Loans, Supply Chain Finance, Digital Personal Loans, and the Aarohi women-focused lending line — delivered through wholly-owned subsidiaries Godrej Housing Finance Limited and Godrej Finance Limited. The company operates a hybrid distribution model combining a 200+ branch physical network, digital self-serve channels (website, WhatsApp, customer portal), and co-lending partnerships with Muthoot Finance, South Indian Bank, and Arvog.

Product overview

Godrej Capital operates as the financial services arm of Godrej Industries Group, offering a unified platform of lending products through its subsidiaries Godrej Housing Finance (home loans, affordable housing loans, plot loans) and Godrej Finance (business loans, loans against property, professional loans, Udyog LAP). The product portfolio spans Home Loans (up to Rs 10 crore), Business Loans (up to Rs 75 lakhs), Loans Against Property (up to Rs 15 crore), Udyog LAP (up to Rs 7.50 crore), and specialized products including Professional Loans for CAs and Doctors. The platform features value-added modules including Design Your EMI (flexible repayment), Flexi Funds (overdraft facility), Parallel Funding (down payment assistance), BizRewards (repayment rewards), and Godrej Nirmaan (business ecosystem). Digital tools include EMI/Eligibility calculators, WhatsApp application channel, Guroo chatbot, and Customer Portal. Recent additions include the women-focused Aarohi product line (home, business, LAP, and professional loans) and new products like gold loans, supply chain finance, and digital personal lending under expansion plans. The company is also expanding into wealth management through Godrej Wealth launched in June 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Aarohi: Women-focused lending initiative offering home loans, business loans, and loans against property for women entrepreneurs and homeowners
• BizRewards
• Flexi Funds
• Design Your EMI
• Parallel Funding
• Godrej Nirmaan

Products and services

• Home Loan Housing finance product for purchasing ready-to-move-in, under-construction, and resale homes, with loan amounts up to ₹10 crore, interest rates starting at 7.65% p.a., LTV up to 90%, and tenure up to 30 years. Offered to Indian resident and NRI salaried/self-employed borrowers through Godrej Housing Finance.
• Business Loan Collateral-free MSME loan from ₹3 lakhs to ₹75 lakhs with interest rates starting at 17% p.a., 24-hour eligibility check, processing fees up to 3%, and repayment cycle up to 72 months. Targeted at MSMEs and small business owners through Godrej Finance.
• Loan Against Property (LAP) Secured mortgage loan for residential, commercial, or industrial properties with loan amounts up to ₹15 crore, interest rates from 9.50% p.a., LTV up to 85%, and tenure up to 25 years. Targeted at salaried and self-employed property owners seeking liquidity through Godrej Finance.
• Affordable Housing Loan Housing finance product targeting affordable-segment customers, offered through Godrej Housing Finance as part of the home loan product portfolio for lower-ticket residential property buyers.
• Udyog Loan Against Property MSME-focused Loan Against Property up to ₹7.50 crore with interest rates starting at 10.75% p.a. and tenure up to 20 years, designed for working capital, inventory stock-ups, and business expansion needs of Micro, Small, and Medium Enterprises. Offered through Godrej Finance.
• Plot Loan Loan product for purchasing residential land or plots, offered through Godrej Housing Finance as part of the housing finance portfolio.
• Commercial Property Loan Loan product for financing commercial real estate properties, offered through Godrej Finance.
• Balance Transfer Loan transfer product allowing customers to transfer existing home loans from other financiers to Godrej Capital for potential savings on interest rate or tenure restructuring.
• Professional Loan for CAs Specialized loan product for Chartered Accountants offering collateral-free financing with flexible terms for practice and personal financing needs. Offered through Godrej Finance.
• Professional Loan for Doctors Specialized loan product for medical professionals and doctors offering collateral-free financing with flexible terms for practice and personal financing needs. Offered through Godrej Finance.
• Gold Loans Gold loan product offered under RBI co-lending framework with strategic partners. Godrej Finance holds 80% participation with the co-lending partner retaining 20% share under co-lending arrangements; risks and rewards shared per regulatory guidelines.
• Supply Chain Finance Supply chain financing product as part of Godrej Capital's new business lines expansion for FY26, addressing working capital needs across corporate supply chains.
• Digital Personal Lending Digital personal loan product launched as part of Godrej Capital's new product category expansion in FY26, delivered through digital channels for retail consumers.
• Aarohi Women-Focused Lending Initiative Dedicated women-focused lending programme offering Aarohi Home Loan, Aarohi Business Loan, Aarohi Loan Against Property, and Aarohi Professional Loan with special terms for women entrepreneurs and homeowners. Supported by government MoU (Telangana) for women-led MSME credit access.

Quantifiable outcome

• 60% year-over-year AUM growth targeting ₹50,000 crore in two years
• +4 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered key, core and supporting.

• Finkurve Financial Services Limited (Arvog)keyChannel Partner/ Reseller/ Distributor · 6 March 2026Co-lending partnership for gold loan products under RBI co-lending framework. Godrej Finance holds 80% participation while Arvog retains 20% share, with risks and rewards shared per regulatory guidelines. Arvog leads loan sourcing, origination, and customer engagement through its branch-led operating model.
• SalesforcecoreTechnology or Integration · 4 July 2025Strategic collaboration to deploy AI-driven Loan Origination Systems across Godrej Capital's lending operations. Partnership consolidates LOS onto Salesforce's AI-powered platforms to accelerate digital onboarding, enhance risk intelligence, and improve operational agility using unified customer data and GenAI capabilities. Deloitte India serves as implementation partner.
• Deloitte IndiasupportingImplementation/ SI/ Consulting Partner · 4 July 2025Implementation partner for Salesforce AI-powered Loan Origination System deployment, providing consulting and technical implementation services for Godrej Capital's digital transformation.
• Muthoot FinancekeyChannel Partner/ Reseller/ DistributorStrategic co-lending partnership with Muthoot Finance for gold loan and MSME lending products, enabling expanded market reach through Muthoot's extensive branch network while Godrej Capital provides funding and risk management capabilities.
• South Indian BankkeyChannel Partner/ Reseller/ DistributorStrategic co-lending partnership with South Indian Bank for MSME and business lending market expansion, combining South Indian Bank's customer base with Godrej Capital's lending products and underwriting capabilities.
• Government of Uttar PradeshsupportingGTM or Marketing PartnerMoU for enhancing MSME credit access with Government of Uttar Pradesh, enabling referral channels and potential priority lending for MSME sector development in the state.
• Government of TelanganasupportingGTM or Marketing PartnerMoU for enhancing credit access for women-led MSMEs with Government of Telangana, supporting priority lending initiatives for women entrepreneurs through government-backed referral mechanisms.
• CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises)supportingGTM or Marketing PartnerMember lender institution providing credit guarantee coverage for MSME loans, reducing risk exposure and enabling lending to underserved micro and small enterprises.

Scale indicators14 records

Recent moves10 records

Expansion highlights8 records

Direct peers

• Bajaj Finance: India's largest and most diversified NBFC, offering consumer durable finance, business loans, home loans, LAP, and professional loans to retail and SME segments. Closely comparable to Godrej Capital given similar product breadth (B2C lending + SME), India-only focus, and multi-product cross-sell model.
• Cholamandalam Investment and Finance Company: Leading Indian NBFC with strong LAP, home equity, and SME finance franchises. Highly comparable to Godrej Capital's LAP/Udyog LAP and business loan verticals, and similar in customer profile (middle India, SME segment) and growth-stage profile.
• Shriram Finance: One of India's largest retail NBFCs focused on MSME, two-wheeler, and used vehicle financing with deep semi-urban and rural reach. Comparable on customer segment (small business owners, underserved borrowers) and LAP-adjacent secured lending model.
• LIC Housing Finance: Major pure-play Indian housing finance company offering home loans, LAP, and developer finance. Directly comparable to Godrej Housing Finance in home loan product design, target customer (prime salaried + self-employed), and India-wide distribution.
• PNB Housing Finance: Mid-sized Indian housing finance company offering home loans and LAP to salaried and self-employed segments. Comparable on housing finance focus, retail lending product mix, and India branch-led distribution model.
• Muthoot Finance: India's largest gold loan NBFC and a direct co-lending partner of Godrej Capital. Overlap on gold loan product (via Godrej-Arvog partnership under same RBI framework) and similar small-ticket, secured retail lending economics.
• Mahindra & Mahindra Financial Services: Large Indian NBFC with deep rural/semi-urban MSME and vehicle finance reach, backed by the Mahindra Group. Comparable on group-affiliated brand strength, MSME lending focus, and pan-India physical distribution model.
• IIFL Finance: Diversified Indian NBFC offering home loans, LAP, gold loans, and business loans across retail and SME segments. Comparable product mix (home + LAP + gold + business), digital-led origination, and growth-stage NBFC positioning.

Broad incumbents

• Tata Capital: Financial services arm of the Tata Group offering consumer loans, SME financing, and wealth management. Comparable on group-affiliated brand-led lending, broad retail/SME product suite, and emerging wealth management overlay similar to Godrej Wealth.
• Aditya Birla Capital: Diversified Indian financial services conglomerate spanning lending, housing finance, asset management, and insurance. Comparable as a broad-India financial services platform backed by a strong parent brand, with overlapping lending product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/godrej_capital
• YouTubeyoutube.com/c/GodrejCapital
• Facebookfacebook.com/godrejcapital
• LinkedInlinkedin.com/company/godrejcapital
• Instagraminstagram.com/godrej_capitals

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Godrej Capital