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.

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

Check your fit →See a typical term sheet

Products live

₹35L

Median sanction

Days median turnaround

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.

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 Negative sectors Agriculture and Allied IndustriesAviationBankingExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryInsuranceMedia and EntertainmentServicesTobacco ProductsTourism and Hospitality Wins Director overdue: 0.001 INR Cr Director Bureau Enquiries: 10 States: pan-India Max Nach Cheque Bounces L6 M: 2 22 more ▾ ▴ Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Min company age (yr): 3 Years Director CIBIL: 650 Epf Defaults: 2 GST Defaults: 2 Min EBITDA (₹cr): 0 Min Runway: 12 Months Min Annualrevenuegrowthrate: 0 % Max Tradereceivables: 120 INR Cr Exisiting Debt: 25 % Min Tradereceivables: 0 INR Cr Min revenue (₹cr): 100 Debt / EBITDA: 4 Max Workingcapitalgap: 120 Days Min Workingcapitalgap: 0 Days Min Cagr: 0 % Min Networth: 0 INR Cr Debt / Net worth: 3 Debt Service Coverage Ratio: 1.2 Offered terms (past deals): rate 13.5–13.5–13.5% ₹2–2–2 Cr 12–12–12 mo Behaviour & gates Min tenure (mo): 12 Months Max tenure (mo): 12 Months Min rate (%): 13 Politically Exposed Person: No Max ticket (₹cr): 10 Security required: ['Fixed Deposit 15 - 20%', 'Personal Guarantee of Promoters / Directors / Property Owner'] 1 more ▾ ▴ Tenure — stated 12–12 mo, actually offered 12–12 mo → within stated band	₹2 cr	13.5%	12 mo
Unsecured Business Loan▾▴ Turnaround ~10d Rejects Negative sectors Financial ServicesGambling and BettingInsuranceLottery BusinessMining CompaniesTobacco Products Wins Min Bankingturnover: 1 INR Cr Max Usl90 Plus days past due L6 M: 0 Min company age (yr): 2 Years Max Bankingturnover: 300 INR Cr 22 more ▾ ▴ Director CIBIL: 700 → funded cohort ≈728 Max company age (yr): 50 Years Max Od Cc Utilisation: 99 Max Usl Enquiries L6 M: 25 Max Director Current Overdue Usl L3 M: 0 Max Nach Cheque Bounces L6 M: 0 Company types: Private Limited, Sole proprietorship, Limited Liability Partner Max Usl Enquiries L3 M: 15 Avg Bank Balance: 0.01 INR Cr Max Nach Cheque Bounces L3 M: 0 Max Usl0 Plus days past due L3 M: 0 Offered terms (past deals): rate 16.5–17–19% ₹0.2–0.3–0.5 Cr 24–48–48 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈10 days (share→disburse) Asks for Bank statements (×20) Asks for Legal / KYC (×13) Asks for GST / integration (×7) Asks for Term sheet (×5) Asks for Debt schedule / sanction letters (×2) Asks for Provisional financials (×2) Asks for Contracts/work orders (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): .3 Max tenure (mo): 72 Months Min rate (%): 17 Politically Exposed Person: No Min Aligned Fee: 3 5 more ▾ ▴ Max ticket (₹cr): .75 Max rate (%): 24 rate — stated 17–24%, actually offered 16.5–19% → priced/sized below stated floor Amount — stated 0.3–0.8 Cr, actually offered 0.2–0.5 Cr → priced/sized below stated floor Tenure — stated 12–72 mo, actually offered 24–48 mo → within stated band	₹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.

Indicative

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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Last updated 6 October 2026

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.