Information only
Godrej Capital is a financial services company that lends through a housing finance company and an NBFC, regulated by the Reserve Bank of India (RBI), with its housing arm supervised by the National Housing Bank (NHB). It is the financial services company of the Godrej Group, which lends through two licensed companies. Its housing finance company, Godrej Housing Finance, has its registered office at Godrej One, Vikhroli East, Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Godrej Capital
| Loan | What to know |
|---|---|
| Home loans | Given through Godrej Housing Finance, which is registered with the National Housing Bank. |
| Loans against property | Secured on a property you own; confirm which Godrej company is the lender on your sanction letter. |
| Business and MSME loans | Offered through the group's lending companies. |
LOANZ 360 explains how each of these loan types works: home loans, loans against property, business and MSME loans. Godrej Capital itself is the group holding company, so the lender named on your sanction letter may be Godrej Housing Finance or Godrej Finance.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | Holding company; lends through a housing finance company (Godrej Housing Finance) and an NBFC (Godrej Finance). Godrej Capital is the holding company; Godrej Housing Finance is a housing finance company and Godrej Finance is an NBFC. |
| Registered office of Godrej Housing Finance | Vikhroli East, Mumbai |
| Parent group | Godrej Group |
| Lending companies | Godrej Housing Finance Limited (housing finance company, registered with NHB) and Godrej Finance Limited (NBFC) |
As of 8 November 2026, Godrej Housing Finance is the group's housing finance company registered with the National Housing Bank. RBI reviews the upper layer list from time to time, so a lender's layer can change. The latest list is dated 6 August 2026. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026