Godrej Capital sees 100% AUM growth; aims 2,800 Crore by FY27

Godrej Capital, the financial services arm of the Godrej Industries Group, continues to deepen its presence in Tamil Nadu, driven by strong demand from the state’s expanding MSME ecosystem and a rapidly formalising business landscape.The company’s total Assets Under Management (AUM) stands at ₹28,000 crores.AUM in the state has reached 1,570crores, reflecting nearly 100% year-on-year growth and steady expansion across both business and housing finance segments.

Godrej Capital is targeting an AUM of ₹2,800 crores in Tamil Nadu by FY27, supported by its growing presence across MSME lending, housing finance, and emerging segments such as dairy farm financing. The company is also set to expand its Housing Finance offering in the state, along with strengthening its branch network across Chennai and other key markets. It currently operates across seven locations with eight branches in Tamil Nadu including Madurai, Coimbatore, Kanchipuram, Salem, Hosur, Krishnagiri, and Tiruchirapalli, and plans to scale this footprint to 12 branches in the near term.

 

The company continues to build a strong ecosystem across the state, supported by over 1,000 channel partners, including ~850 in Chennai, enabling both secured and unsecured lending across segments, while the Aarohi initiative further strengthens its inclusion focus by improving access to credit for women across entrepreneurship and home ownership journeys through tailored solutions and a more inclusive approach to credit assessment.

 

Manish Shah, MD & CEO, Godrej Capital, said,“Tamil Nadu continues to be an important market for us, driven by its strong industrial base, high degree of formalisation, and a well-established MSME ecosystem. We are seeing an increasing demand for structured, cash flow–based financing, supported by increasing digital adoption among businesses.At the same time, a significant opportunity lies in improving access to timely, flexible, and customised credit solutions, especially for small and emerging enterprises. Our focus is on addressing this gap by making access to credit simpler, faster, and more relevant to the way businesses operate, enabling them to scale with greater confidence and support their long-term growth ambitions across the state.”

Tamil Nadu remains one of India’s most industrialised states, with MSMEs forming a key part of its economy. The sector contributes significantly to industrial output and employment, with an estimated 35 lakh enterprises across manufacturing and services. Chennai has a strong lending ecosystem spanning automobiles, electronics, IT, and manufacturing, supporting consistent financing demand across segments. The company continues to focus on enhancing credit access through technology-led underwriting, faster turnaround times, and customised financial solutions for emerging businesses.