If you own a commercial property and earn rental income from it, you can use that income to get a
loan. This is called Lease Rental Discounting (LRD). It is a term loan given against your rental income,
where the rent you receive acts as collateral. This allows you to unlock quick funds while still keeping
ownership of your property.
Get loans up to ₹31.5 crore against rental income.
Tenure up to 180 months based on lease period.
Pay interest only on the amount you use.
No charges on foreclosure/part-payment under eligible conditions.
LRD (Lease Rental Discounting) is a loan taken against future rent receivables from a leased property. It helps property owners unlock rental income to meet large financial needs.
• Property must be legally owned in metro/urban/semi-urban areas
• Tenant should be a reputed company, PSU, bank, or MNC
• Valid lease agreement with consistent rent history
• Complete documentation and good credit profile
Loan tenure can go up to 15 years (180 months), depending on the lease period.
KYC documents, lease agreement, property ownership proof, rental history, and compliance certificates.
Property owners (individuals or companies) with rental income from reputed tenants like PSUs, banks, MNCs, or government bodies.
