Unlock Capital from
Your Rental Property
Convert future rental income into immediate capital with Lease Rental Discounting. Ideal for commercial property owners seeking large funding at competitive interest rates.
Lease Rental Discounting (LRD) allows you to raise funds against your leased commercial property by discounting future rental cash flows-without selling the asset.
LRD Eligibility
Get instant quotes from top lenders at 9% p.a.
Limit Exceeded: Your max eligible EMI is roughly ₹35,000. Try increasing tenure or lowering loan amount.
2 Lakh+
Customers Served
₹5000 Cr+
Loans Facilitated
50+
Banks & NBFCs
100+
Cities Covered
Why Choose Lease Rental Discounting?
Monetise Rental Income
Unlock funds from future rental cash flows.
Lower Cost of Borrowing
Interest rates are lower than unsecured business loans.
Large Loan Amounts
Higher eligibility based on rental stability and property value.
Ownership Retained
Continue owning and benefiting from property appreciation.
How Can Lease Rental Discounting Be Used?
Business Expansion
Check EligibilityWorking Capital
Check EligibilityDebt Refinancing
Check EligibilityAcquisition of New Assets
Check EligibilityCommercial Real Estate Investment
Check EligibilityCorporate Restructuring
Check EligibilityLease Rental Discounting EMI Calculator
Estimate your monthly EMI based on loan amount, tenure, and indicative interest rate to plan repayments aligned with rental inflows.
Lease Rental Discounting EMI CalculatorInstant Estimate
Transparent LRD Interest Rates
Lease Rental Discounting interest rates are competitive and depend on tenant profile, lease tenure, rental stability, and property valuation.
Final rates are determined after lease and property assessment.
Current Starting Rate
8.75%
*Rates vary by tenant profile & lease terms.
Compare Lease Rental Discounting Offers
| Lender | Interest Rate (p.a.) | Max Amount | Max Tenure | Action |
|---|---|---|---|---|
HDFC Bank Private Bank | 8.75% - 11.00% | ₹10 Lakh - ₹5 Cr | 10 Years | Apply |
ICICI Bank Private Bank | 8.75% - 11.00% | Based on Rental NPV | 15 Years | Apply |
Axis Bank Private Bank | 9.00% - 11.00% | ₹5 Lakh Onwards | 9 Years | Apply |
Kotak Mahindra Bank Private Bank | 9.00% - 11.50% | Based on Lease | 15 Years | Apply |
State Bank of India Public Sector Bank | 9.35% - 11.80% | Up to ₹50 Cr | 15 Years | Apply |
Bank of Baroda Public Sector Bank | 9.50% - 11.00% | Based on Rental NPV | 15 Years | Apply |
Bajaj Finserv NBFC | 9.00% - 12.00% | Up to ₹31.5 Cr | 25 Years | Apply |
LIC Housing Finance NBFC | 9.50% - 11.50% | Based on Rental NPV | 15 Years | Apply |
PNB Housing Finance NBFC | 9.25% - 13.00% | Up to 80% of Rentals | 10 Years | Apply |
Tata Capital NBFC | 9.50% - 12.00% | Based on Lease | 15 Years | Apply |
Apply for Lease Rental Discounting in Top Cities
Access LRD solutions across major commercial hubs with local lender support.
Delhi
Mumbai
Pune
Bangalore
Chennai
Hyderabad
LRD Fees & Charges
Processing Fee
of loan amount
Legal & Valuation
As per lender & third-party assessment
Prepayment
As per lender policy
Stamp Duty
Applicable as per state laws
LRD Eligibility Criteria
Check if your property and lease meet the requirements.
| Eligibility Parameter | LRD Requirement |
|---|---|
| Applicant Type | Property Owner |
| Minimum Age | 25 years |
| Maximum Age (at loan maturity) | 70 years |
| Property Type | Commercial / Income-Generating |
| Lease Status | Active registered lease |
| Tenant Profile | Stable & credible tenant |
| Rental Income | Regular and documented rental inflow |
| Credit Score (CIBIL) | 650+ preferred |
| Loan-to-Value (LTV) | Up to 60% of property value |
| Loan Amount Eligibility | Based on rental cash flows |
| Loan Tenure | Aligned with lease tenure |
| Escrow Arrangement | Mandatory with most lenders |
| Collateral Requirement | Leased property |
| Nationality | Indian Resident |
Documents Required for LRD
To apply for Lease Rental Discounting, applicants are required to submit documents related to identity, lease, and property details.
Common Documents
Mandatory for All Applicants
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
Address Proof
- Aadhaar Card
- Utility Bill
- Rent Agreement
Photographs
- Passport-size photographs
Signature Proof
- Bank Verification
- Signature on App Form
Lease & Rental Documents
- Registered lease agreement
- Rental receipts / bank credits
- Escrow agreement (if applicable)
Property Documents
- Title Deed / Sale Deed
- Property Tax Receipts
- Approved Building Plan
- Occupancy Certificate
Important Notes
Seamless Application Process for Lease Rental Discounting
Convert your rental income into immediate capital through a secure and structured financing process.
Apply Online
Submit basic property, lease, and applicant details online.
Upload Documents
Upload registered lease agreement and property documents securely.
Tenant Evaluation
Tenant profile and rental cash flows are assessed by the lender.
Loan Sanction
Loan is approved and sanction letter is issued.
Escrow Setup & Disbursal
Escrow account is created and funds are disbursed.
Why Our Lease Rental Discounting Process Is Seamless
What Our Customers Say
Ankit Lodha
Indore
"LRD helped us unlock capital from our leased office without selling it."
Farah Siddiqui
Navi Mumbai
"Smooth process and transparent handling of lease documents."
Vikram Shetty
Udupi
"Perfect solution for funding business expansion using rental income."
Frequently Asked Questions
Convert Rental Income into Growth Capital
Leverage your leased property today and unlock funds to power your next business move.