Lender profile
Godrej Capital business loans
Godrej Capital is on Recur Club's lender panel, writing dropline overdraft, purchase invoice discounting, sales invoice discounting and 1 other products. Observed tickets run ₹20 lakh to ₹2 cr, priced between 13.5% and 19%. Median turnaround from application to disbursal is about 10 days.
- ✓Tickets from ₹20 L – ₹2 Cr across 4 products
- ✓Indicative pricing 13.5% – 19%, as quoted on live transactions
- ✓Around 10 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
4
Products live
₹35L
Median sanction
10
Days median turnaround
38
Sanction letters read
— The screen your file has to clear
The screen your file has to clear
What is checked before anything else, and applies to every product below.
Rejects
- Won't fund Real Estate and Construction, Commodity Traders, Logistics, Transport Owners, Agri and Allied, Mining and Mining Products, Poultry and Livestock, Gems and Jewellery, Stockbrokers, or Manpower/Labour contractors
- Financial services provider not doable
- Styleque Universe: action pool cohort with topline of 5cr+ and more than 2 unsecured loans in last 6 months is not funded
- Peppy Cartel: Segment C2/D applicants with unsecured loans >2 in last 6 months are strictly restricted due to high delinquency (applicant availed 3 loans in L6M)
23 more ▾ ▴
- Eliteeats Nutrifoods: CAT C2 segment not allowed under the LTS program
- Arihant Enterprise: score-reject segment for key person Mr. Vikash Kumar Jain
- Shri Ram Traders: CRIF score-reject segment with NTS profile not funded
- Lekya Logistics: CAT D logistics profile is treated as NTS (not sanctioned)
- Shri Ram Traders case is not doable (per discussion with Gaurav)
- Case rejected by Godrej due to the company facing losses since inception
- Case already got rejected as the company is facing losses since inception
- "Case is not doable and won't be able to relook as Crif CAT E and seen multiple enquiries in last 3 months and have taken 4 usl's."
- Case already logged in and rejected by Godrej in the previous month; cooling norms not met, so can't process again
- Case rejected: '2 PL and 2 Credit card- Settled
- Vintage: Actual operation started from Feb 26 onwards
- Multiple Penny loan availed
- Resi Cum office setup + Applicant Suhail + E series Pan card'
- Restaurant profile with turnover less than 5 cr is not doable, treated as a cautious profile
- Daffytel case is not logged in and is not doable (reason communicated via email)
- Not for Sevenchef
- Meat shop is NTS (not to sanction)
- Not Hybrid product
- Won't mortgage property outside a 50 km radius of Hyderabad
- No loss-making entity
- Won't fund any trusts and societies
- No agri land accepted as collateral
- Case not doable because customer's nature of business is Sub Civil Contractor, which is NTS (not to be sanctioned) at Godrej Capital
Wins
- Godrej has added Secured TL # as an additional qualifying criterion for .
- CLU (change-of-land-use) land can be taken as collateral
- Lender has advised submitting maximum deals without excessive pre-filtering/restrictions
- Only SIFT-offer Bill of Lading (BL) trade deals should be shared for Godrej's PEC (Pre-Export Credit) program
4 more ▾ ▴
- 10 unsecured business loan enquiries between June-October 2026 with only a single conversion, including 4 enquiries within days from 18th June - high enquiry velocity flagged
- …more in playbook
- Godrej has added Secured TL # as an additional qualifying criterion for .
- CLU (change-of-land-use) land can be taken as collateral
Behaviour & gates
- Borrower: minimum bankingturnover: 1 (unsecured business loan only)
- max usl90 plus dpd l6 m: 0 (unsecured business loan only)
- age ≥2y (dropline overdraft, loan against property, unsecured business loan)
- age ≥3y (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing)
- maximum bankingturnover: 300 (unsecured business loan only)
- CIBIL ≥700 (cohort ≈728) (unsecured business loan)
46 more ▾ ▴
- CIBIL ≥650 (distributor financing, dropline overdraft, loan against property, purchase invoice discounting, sales invoice discounting, vendor financing)
- maximum companyage: 50 (unsecured business loan only)
- max new ubl l3 m: 2 (unsecured business loan only)
- max od cc utilisation: 99 (unsecured business loan only)
- max usl enquiries l6 m: 25 (unsecured business loan only)
- max director current overdue usl l3 m: 0 (unsecured business loan only)
- max nach cheque bounces l6 m: 0 (unsecured business loan)
- max nach cheque bounces l6 m: 2 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing)
- max usl enquiries l3 m: 15 (unsecured business loan only)
- avg bank balance: 0.01 (unsecured business loan only)
- max nach cheque bounces l3 m: 0 (unsecured business loan only)
- max usl0 plus dpd l3 m: 0 (unsecured business loan only)
- avoid: Gambling and Betting, Insurance, Tobacco Products (varies by product)
- Private Limited, Sole proprietorship, Limited Liability Partner (varies by product)
- Delhi, Haryana, Telangana, Uttar Pradesh (varies by product)
- sector-agnostic (34 sectors — full list in data JSON) (varies by product)
- Financials: runway ≥12mo (varies by product)
- maximum tradereceivables: 120 (varies by product)
- exisiting debt: 25 (varies by product)
- rev ≥₹100cr (purchase invoice discounting, sales invoice discounting)
- rev ≥₹20cr (dropline overdraft, loan against property)
- rev ≥₹500cr (distributor financing, vendor financing)
- TOL/adjusted tangible net worth ≤4 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing)
- TOL/adjusted tangible net worth ≤5 (dropline overdraft, loan against property)
- debt/EBITDA ≤4 (dropline overdraft, loan against property, purchase invoice discounting)
- debt/EBITDA ≤3 (distributor financing, sales invoice discounting, vendor financing)
- maximum workingcapitalgap: 120 (varies by product)
- debt/networth ≤3 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing)
- debt/networth ≤4 (dropline overdraft, loan against property)
- DSCR ≥1.2 (distributor financing, purchase invoice discounting, sales invoice discounting, vendor financing)
- DSCR ≥1 (dropline overdraft, loan against property)
- maximum tradepayables: 120 (distributor financing, sales invoice discounting)
- maximum tradepayables: 90 (vendor financing)
- Deal: rate 9–24% (range across products — see matrix)
- ticket ₹0–15cr (range across products — see matrix)
- tenure 0–180mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- median ticket ₹0.5cr
- median rate 18%
- median turnaround 10d
- Security asked in : Immovable Fixed Assets - Pari Passu First Charge (×1), Escrow Of Cashflows (×1), Personal Guarantee Of Promoters/Directors (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×24), FD margin 15–20% (×9), FD margin 10–15% (×7), 1st charge on immovable assets (×1)
- share → in-principle approval (initial interest): ≈6d
- in-principle approval → sanction (underwriting): ≈0d
- sanction → disburse (closing): ≈5d
— Products & indicative terms
What Godrej Capital lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~63d Rejects
Wins
22 more ▾ ▴
Behaviour & gates
29 more ▾ ▴
| ₹2 cr | 13.5% | 12 mo |
Unsecured Business Loan▾Turnaround ~10d Rejects
Wins
22 more ▾ ▴
Behaviour & gates
31 more ▾ ▴
| ₹0.2–0.5 cr | 16.5–19% | 24–48 mo |
Also offered, with no terms observed yet: Dropline Overdraft, Sales Invoice Discounting.
— Typical term sheet
What a sanction from Godrej Capital actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 38 sanction letters carrying the clause.
Other standing covenants32%
— Security & covenants
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Immovable Property (Residential Flat)1 letters
- Residential Flat/Property1 letters
- Cheques/UDC1 letters
- Fixed Deposit1 letters
- auto-debit mandate1 letters
- Immovable Property (Residential Flat) ×1, Residential Flat/Property ×1, Cheques/UDC ×1, Fixed Deposit ×1, auto-debit mandate ×1
— Common questions
What borrowers ask about Godrej Capital
- What does Godrej Capital lend?
- Godrej Capital writes dropline overdraft, purchase invoice discounting, sales invoice discounting, unsecured business loan. Across those, observed facilities run ₹20 lakh to ₹2 cr.
- What ticket size does Godrej Capital offer?
- Facilities observed on live transactions run from ₹20 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Godrej Capital charge?
- Rates observed on live transactions fall between 13.5% and 19% a year. Tenures run 12 to 48 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Godrej Capital take to disburse?
- About 10 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Godrej Capital's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 700. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
Next steps after Godrej Capital
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Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Godrej Capital's current policy. Terms are set by the lender at the time of sanction.