Product Overview
Finance Against Rental Income with Lease Rental Discounting
Lease Rental Discounting (LRD) is a term loan offered against the future rental income of your leased commercial property, enabling you to unlock liquidity without selling your asset.
- Loan based on discounted value of future rentals
- High-value funding without selling property
- Flexible repayment aligned with lease term
- Competitive interest rates
- Simplified eligibility with predictable rent inflows
- Suitable for various commercial and specialised properties
Why Choose Lease Rental Discounting?
Turn future rental receipts into immediate liquidity
Lease Rental Discounting (LRD) allows property owners to use expected rental income as collateral to borrow funds. This financing option gives you the ability to unlock capital tied up in commercial assets while continuing to earn rental income.
High Value Financing
Competitive Interest Rates
Flexible Repayment Options
Quick Approval & Disbursal
Simple Documentation
Lease Rental Discounting Benefits
Unlock financial growth without selling your property
Leverage Future Rental Income
Use expected rental receipts from your leased commercial property as the basis for loan approval.
Retain Property Ownership
Continue owning and benefiting from your property while using rental income to secure funds.
High Loan Amount
Lenders typically offer a significant portion of the discounted value of future rentals as loan funds.
Flexible Use of Funds
Use the loan for business expansion, debt consolidation, or personal needs.
Transparent Terms
Clear terms with minimal hidden charges, ensuring a smooth loan experience.
Expert Support
Dedicated guidance to help you structure the best deal for your requirements.
Eligibility & Documents
Check LRD Loan eligibility and required documents
✓ Eligibility Criteria
- Indian residents or eligible NRIs can apply
- Property must be income-generating with a registered lease agreement
- Consistent rental income credited to bank account
- Good credit history with score of 700 pr above improves approval chances
- Age between 21 and 65 years depending on profile
📄 Required Documents
- Duly filled and signed Lease Rental Discounting application form
- Passport-size photographs of applicant / directors
- Identity proof (Aadhaar Card / PAN Card / Passport)
- Address proof of applicant and registered office
- PAN Card of individual / company / firm
- Bank statements for last 6–12 months
- Processing fee cheque
✓ Eligibility Criteria
- Indian residents or eligible NRIs can apply
- Property must be income-generating with a registered lease agreement
- Consistent rental income credited to bank account
- Good credit history with score of 700 pr above improves approval chances
- Age between 21 and 65 years depending on profile
📄 Required Documents
- Property ownership documents (Sale Deed / Conveyance Deed)
- Latest property tax paid receipts
- Approved building plan and occupancy certificate
- No Objection Certificate (NOC) from society / authority
- Property insurance copy (if available)
✓ Eligibility Criteria
- Indian residents or eligible NRIs can apply
- Property must be income-generating with a registered lease agreement
- Consistent rental income credited to bank account
- Good credit history with score of 700 pr above improves approval chances
- Age between 21 and 65 years depending on profile
📄 Required Documents
- Registered lease agreement with tenant
- Tenant KYC documents
- Tenant profile including company details
- Rent receipt or rental credit proof
- Lease tenure and escalation clause details
✓ Eligibility Criteria
- Indian residents or eligible NRIs can apply
- Property must be income-generating with a registered lease agreement
- Consistent rental income credited to bank account
- Good credit history with score of 700 pr above improves approval chances
- Age between 21 and 65 years depending on profile
📄 Required Documents
- Audited financial statements for last 2–3 years
- Income Tax Returns with computation
- Cash flow statements
- Net worth statement of applicant / promoters
- Details of existing loans and liabilities
✓ Eligibility Criteria
- Indian residents or eligible NRIs can apply
- Property must be income-generating with a registered lease agreement
- Consistent rental income credited to bank account
- Good credit history with score of 700 pr above improves approval chances
- Age between 21 and 65 years depending on profile
📄 Required Documents
- Sanction letters of existing loans (if any)
- Bank account statements reflecting rental income
- Collateral documents (if required)
- CA certificate confirming rental income
- Any additional documents requested by lender
Frequently Asked Questions
Get answers to common queries about Lease Rental Discounting
- Resident Indians and NRIs are eligible to apply
- Salaried individuals working in public or private sectors
- Self-employed professionals such as doctors, CAs, lawyers, architects, consultants
- Self-employed non-professionals including traders, manufacturers, distributors
- Companies, partnership firms, and proprietorships are also eligible
- Processing or renewal fee of 2% plus applicable taxes
- Administration charges of ₹5,000 or 0.25% of the loan amount (whichever is lower) plus taxes
- Prepayment charges of 4% plus applicable taxes if prepaid after 6 months