Godrej Capital Launches Housing Finance Subsidiary Branch in Kolkata, Marks Entry in East India
• Offers home loans to salaried professionals starting at 7.75% p.a., with tenures of up to 30 years and AI-powered processing for faster approvals.
• Under its Aarohi initiative, extends special benefits for women homebuyers – lower interest rates, reduced processing fees, and complimentary health cover.
Kolkata, October 29, 2025 – Godrej Capital, the financial services arm of the Godrej Industries Group, today announced that its subsidiary, Godrej Housing Finance (GHF), has marked its entry into the eastern region with the launch of its first housing finance branch in Kolkata. This expansion underscores the company’s ambition to strengthen its nationwide footprint, with a strategic entry into East and Northeast India.
The new branch will serve as a hub to deliver seamless, customer-first financing solutions and build strong collaborations with developers and partners across the region. As part of its expansion roadmap, GHF plans to deepen its presence across key markets in East and Northeast India over the coming quarters.
Home loans will be available at competitive interest rates starting from 7.75% per annum, with loan-to-value ratios of up to 90%, and high loan tenure of up to 30 years for eligible salaried professionals. This ensures greater affordability and access for first-time buyers and families in Kolkata. Customers will also benefit from customised repayment options, and an AI-powered loan process, designed to make the journey to homeownership smoother. For distribution partners, GHF is introducing structured incentives and digital engagement tools to create greater ease of business and ensure long-term collaboration.
GHF will also offer Aarohi Home Loan, a housing finance solution specifically designed for women. The product features a special interest rate, complementary health cover, and low processing fees, providing a comprehensive solution for women seeking to purchase their first home or upgrade their residence. Aarohi Home Loan underscores GHF’s commitment to empowering women homebuyers through tailored financial solutions and a seamless, customer-centric experience.
Speaking on the launch, Manish Shah, MD & CEO, Godrej Capital, said, “Kolkata is one of India’s most vibrant housing markets, with a unique blend of heritage and progress. We believe that homeownership should be a transparent, reliable, and stress-free experience. With a deep understanding of evolving customer expectations, robust partnerships with trusted developers, and a commitment to simplifying home financing, we aim to complement the region’s housing ecosystem with a differentiated, customer-first approach to home loans.”
Kolkata’s urban infrastructure is undergoing a significant transformation. Key developments such as the Sealdah–Esplanade and Noapara–Airport metro expansions, along with the Kona Expressway elevated corridor, are already under execution. These projects are expected to enhance intra-city mobility, reduce commute times, and unlock new residential corridors. Improved connectivity is driving demand in emerging zones like Barasat, Madhyamgram, and Joka, where developers are responding with mid-to-premium housing. This shift is fueling momentum in the home loan segment, and Godrej Housing Finance’s customer-first approach and competitive offerings are well-positioned to add meaningful value.
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About Godrej Capital
Godrej Capital is the financial services arm of the Godrej Industries Group. It is a subsidiary of Godrej Industries and is the holding company for Godrej Housing Finance Limited & Godrej Finance Limited. Godrej Housing Finance Limited extends housing loans, and the Affordable Housing vertical is housed with GHFL. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loans Against Property, and secured and unsecured Loans for Businesses. It is positioned to diversify into other customer segments and products.
The company is focused on building a long-term, sustainable retail financial services business in India, anchored on the Godrej Group’s 127-year legacy of trust and excellence. Godrej Capital focuses on learning and development across its employee base and is committed to diversity, equity, and inclusion (DEI) as a guiding principle. Godrej Capital has been certified as a Great Place to Work and was recognised by the Economic Times as the Best Organization for Women in 2023.
Godrej Capital currently has over 86 branches across Andhra Pradesh, Chhattisgarh, Delhi, Gujarat, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, and Uttarakhand.
