Godrej Finance

What Godrej Finance does

Godrej Finance Limited is an Indian non-banking financial company (NBFC) and subsidiary of the diversified Godrej Group, operating pan-India from its base in India. The company offers a portfolio of five loan products targeting MSME owners, doctors, chartered accountants, and business owners. Its unsecured offerings include collateral-free Business Loans (up to ₹75 lakhs at 17% p.a. with a 72-month repayment cycle and 24-hour eligibility checks) and Professional Loans (up to ₹50 lakhs at 14% p.a.) targeted at doctors and CAs. Secured offerings include Loan Against Property (up to ₹15 crore at 9.50% p.a., up to 85% LTV, 25-year tenure), Udyog Loan Against Property (up to ₹7.50 crore at 10.75% p.a.), and Commercial Property Loans (up to 65% LTV, 15-year tenure).

Revenue is generated exclusively through interest income on the lending portfolio, with rates varying materially by product risk profile (9.50% to 17% p.a.). The company operates a sales-led, relationship-driven go-to-market motion anchored on its website (godrejfinance.com), a phone-based inside sales support line (022-68815555), and a self-serve customer portal for existing borrowers. The core distribution advantage is access to the Godrej Group brand equity and captive ecosystem of customers across real estate, appliances, and consumer goods. The customer segmentation approach is hybrid, layering MSME size tier with professional persona segmentation (doctors and chartered accountants) and use-case segmentation for property-backed borrowing.

Underlying technology, proprietary systems, AI/ML capabilities, founding date, headcount, and financial metrics are not disclosed in available source material. The company has no disclosed patents, partnerships, awards, management team, funding rounds, or regulatory actions on record.

Name

Godrej Finance

Legal name

Godrej Finance Limited

Website

https://godrejfinance.com

Company type

Private

Operating status

Operating

Short description

Godrej Finance Limited is an Indian NBFC subsidiary of the Godrej Group offering collateral-free business loans, loan against property, professional loans for doctors and chartered accountants, and commercial property financing to MSME owners and professionals across India.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services (NBFC Lending)

NAICS

Real Estate Credit (522292), Sales Financing (522220)

SIC

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

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Business loans
• Loan against property
• MSME financing
• Professional loans
• Commercial property loans

Headquarters

HQ city

Vikhroli

HQ country

India

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Business Loans: Interest income from collateral-free business loans up to ₹75 lakhs offered to MSME owners. Revenue generated through interest payments on short to medium-term financing.
2. Loan Against Property (LAP): Secured lending against residential/commercial properties with loan amounts up to ₹15 crore. Interest-based revenue model with loan tenure up to 25 years.
3. Udyog Loan Against Property: Business-specific secured loans against property for enterprise expansion, up to ₹7.50 crore with 20-year tenure.
4. Professional Loans: Unsecured loans up to ₹50 lakhs for doctors and chartered accountants, generating interest income with minimal documentation requirements.
5. Commercial Property Loan: Financing for commercial property acquisition with competitive interest rates, loan-to-value ratio of 65% and tenure up to 15 years.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Godrej Finance Limited is an India-based non-banking financial company that lends to MSME owners, doctors, chartered accountants, and business owners through five product lines: collateral-free Business Loans up to ₹75 lakhs, Loan Against Property up to ₹15 crore, Udyog Loan Against Property up to ₹7.50 crore for business expansion, unsecured Professional Loans up to ₹50 lakhs for doctors and CAs, and Commercial Property Loans up to ₹15 crore. Interest rates range from 9.50% p.a. to 17% p.a. depending on the product, with tenures spanning up to 25 years for secured loans.

Product overview

Godrejj Finance offers a portfolio of loan products designed for diverse financing needs. The core offerings include collateral-free Business Loans (up to ₹75 lakhs), secured Loan Against Property (up to ₹15 crore), Udyog Loan Against Property for business expansion (up to ₹7.50 crore), Professional Loans for doctors and chartered accountants (up to ₹50 lakhs), and Commercial Property Loans. Together, these products serve MSME owners, professionals, and businesses seeking both unsecured and property-backed financing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loan

Quantifiable outcome

• Eligibility check completed within 24 hours
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights3 records

Emerging players

• Indifi Technologies: Digital NBFC providing unsecured loans to small businesses and professionals. Comparable in targeting MSMEs and professionals underserved by traditional banks, with overlap in collateral-free loan products.
• Lendingkart: Fintech NBFC focused exclusively on collateral-free MSME working capital loans — directly overlapping with Godrej Finance's Business Loan product, but competing through pure digital origination.

Direct peers

• Bajaj Finance: India's largest non-bank lender offering business loans, loan against property, professional loans, and commercial property financing to MSMEs and individuals. Directly comparable in product breadth, target customer segments (MSMEs, professionals), and NBFC structure.
• IIFL Finance: Indian NBFC with significant LAP and SME lending business. Comparable in secured property-backed lending and gold/MSME diversification strategy.
• Mahindra Finance: NBFC subsidiary of the Mahindra Group (conglomerate comparable to Godrej). Offers business loans, LAP, and SME financing leveraging the parent brand — directly parallel to Godrej Finance's group-supported positioning.
• Muthoot Finance: Large Indian NBFC primarily in gold loans but expanding into MSME and LAP. Comparable as a publicly listed Indian NBFC serving retail/small business borrowers.
• Tata Capital: Financial services arm of the Tata Group offering business loans, LAP, and professional loans. Highly comparable as a diversified-conglomerate-backed NBFC serving Indian SMEs and professionals.
• Shriram Finance: Large Indian NBFC focused on small business and MSME lending, with significant LAP exposure. Comparable in targeting underserved MSME borrowers with both secured and unsecured products.
• Cholamandalam Investment and Finance: Leading Indian NBFC with strong MSME and LAP franchise. Comparable in offering secured property-backed loans and commercial vehicle/business financing to small business owners.
• Aditya Birla Finance: NBFC arm of the Aditya Birla Group offering LAP, SME loans, and commercial property financing. Comparable as another diversified-conglomerate NBFC targeting similar customer segments.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments1 record

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

Frequently asked questions about Godrej Finance