Aarohi Loans

Disclaimer….before you read ahead!

The information contained herein is of a general nature and for information purposes only, with the intent of raising awareness around various resources, schemes etc. available for women entrepreneurs in India. It is not intended to address the circumstances of any particular individual or entity. It does not purport to be all-inclusive or necessarily contain all the information that may be relevant for the reader, and may be subject to updation, revision or amendment. Although we endeavor to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to remain accurate in the future. The reader, therefore, is required to exercise their discretion; and not act on such information without appropriate professional advice after a thorough examination of the particular situation.

Furthermore, we are not a lender and are not authorized by the Reserve Bank of India to act as one. By disseminating the information contained herein, we are not soliciting any borrower or customers for the company or organization mentioned herein nor do we intend to syndicate any capital for the reader of this article.

About this scheme…

Aarohi Loans were launched by Godrej Capital Limited (GCL) in March 2025 which consists of a series of loan offerings at discounted interest rates & ZERO processing fees designed exclusively for women entrepreneurs, especially first-time borrowers, and customised to meet their unique financial needs.

The loans are extended through GCL’s subsidiary Godrej Finance Limited (GFL), a non-deposit accepting Non-Banking Finance Company (NBFC) registered with Reserve Bank of India (RBI).

How is it being implemented?

Under this Scheme, direct loans are provided to,

Women entrepreneurs (Retailers, Traders, Manufacturers, Service Providers)
Self-employed women (Doctors & Chartered Accountants)

What’s on offer?

I. Product

Term Loans categorised into
- Aarohi Business Loan
- Aarohi Loan Against Property
- Aarohi Udyog Loan Against Property
- Aarohi Professional Loan for Chartered Accountants
- Aarohi Professional Loan for Doctors
Ticket Sizes
- Aarohi Business Loan: ₹5 Lakhs – ₹50 Lakhs
- Aarohi Loan Against Property: ₹5 Lakhs – ₹15 Crores
  - For new customers, 85% of the property value
  - For existing customers, 60% of the market value of the mortgaged property
- Aarohi Udyog Loan Against Property: ₹5 Lakhs – ₹3 Crores
- Aarohi Professional Loan for Chartered Accountants: ₹5 Lakhs – ₹30 Lakhs
- Aarohi Professional Loan for Doctors: ₹5 Lakhs – ₹35 Lakhs
Each of these loans is characterized by Flexi Funds feature, an overdraft-like facility with the flexibility to withdraw and repay funds as needed. This facility helps businesses efficiently manage cash flow by ensuring interest is charged only on the amount utilized

II. Purpose:

- Acquisition of or investment in fixed assets
- Working capital requirements
- For Aarohi Loan Against Property & Aarohi Udyog Loan Against Property alone, the loan can also be utilized for debt consolidation and meeting personal needs

III. Borrower Type:

Sole Proprietorship, Partnership Firm, Limited Liability Partnership (LLP), Private Limited Company, Unlisted Public Limited Company
For more information around this, please contact GCL via means mentioned below

IV. Security or Collateral or Guarantee or Insurance

Primary Security: There may be primary charge on assets financed under this Scheme
Collateral Security
- Aarohi Business Loan: Nil
- Aarohi Loan Against Property: fully constructed, freehold residential and/or commercial property
- Aarohi Udyog Loan Against Property: self-occupied residential properties, rented residential properties, commercial properties (self-occupied/rented, offices, shops), industrial properties, etc.
- Aarohi Professional Loan for Chartered Accountants: Nil
- Aarohi Professional Loan for Doctors: Nil
Guarantee: Nil
Insurance
- Complimentary Life Insurance cover for 1 Year
- Complimentary Life Insurance cover of up to ₹25 Lakhs
- For more information around this, please contact GCL via means mentioned below

V. Interest Rate

Aarohi Business Loan: 17% – 22% per annum
Aarohi Loan Against Property: 9.75% – 14% per annum
Aarohi Udyog Loan Against Property: 11% – 16% per annum
Aarohi Professional Loan for Chartered Accountants: 14% – 16% per annum
Aarohi Professional Loan for Doctors: 14% – 16% per annum

VI. Processing Fee

ZERO processing fees are available for direct customers who apply without intermediaries or channel partners

VII. Margin Money Requirement

For more information around this, please contact GCL via means mentioned below

VIII. Tenure, Repayments & Pre-Closures

Tenure
- Aarohi Business Loan: up to 6 years where one can pay only interest for select quarters or up to 24 months
- Aarohi Loan Against Property: up to 15 years where one can pay only interest for up to 36 months
- Aarohi Udyog Loan Against Property: up to 15 years where one can pay only interest for up to 24 months
- Aarohi Professional Loan for Chartered Accountants: up to 6 years
- Aarohi Professional Loan for Doctors: up to 6 years
Repayments: EMIs
- Customization of EMI Plans to fit one’s business needs is available for Aarohi Business Loan, Aarohi Loan Against Property and Aarohi Udyog Loan Against Property
- Each of these loans is characterized by Flexi Funds feature, an overdraft-like facility with the flexibility to withdraw and repay funds as needed. This facility helps businesses efficiently manage cash flow by ensuring interest is charged only on the amount utilized
Pre-payment & Foreclosure Charges
- Part Pre-payment charges: 2% of the amount prepaid
- Foreclosure Charges: Up to 6% of principal outstanding at the time of foreclosure
- For more information around this, please contact GCL via means mentioned below

IX. Turnaround Time

Typically, after submitting all the required documents, the approval process usually takes 3–5 business days
For specific information around quick turnaround time from Approval to Disbursement, please contact GCL via means mentioned below

Interested? Read ahead to check your eligibility….

I. Are you between 25 & 65 years of age?

If you are looking to avail Aarohi Udyog Loan Against Property, are you between 21 & 65 years of age?

II. Are you a first-time borrower?

Do you or your business have at least one year of operational history for collateral-free loans or three years for secured loans, such as Loan Against Property?

III. Has your business been in operations for at least 3 years?

Have you been a self-employed practicing Chartered Accountant for at least 5 years?

Have you been a practicing Allopathy doctor or consultant for more than 3 years?

IV. If you are applying for Aarohi Business Loan, is the turnover of your business at least ₹1 Crore?

V. If you are applying for Aarohi Business Loan, is the profit of your business at least ₹3 Lakhs?

If your answers to the questions above are an emphatic YES, you are all set to avail Aarohi Loans!

So…how big is this scheme and what has been done so far?

I. Recently launched, GCL’s goal is to positively impact 100,000 women over the next five years through this Scheme

So, now, how should you go about it?

I. For submitting application:

Online
- Aarohi Business Loan: Apply here
- Aarohi Loan Against Property: Apply here
- Aarohi Udyog Loan Against Property: Apply here
- Aarohi Professional Loan for Chartered Accountants: Apply here
- Aarohi Professional Loan for Doctors: Apply here
Visit one of GCL’s 27 branches spread across various Indian cities