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Lease Rental Discounting (LRD)

Convert years of future rent into capital today.

MSME finance
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Loan Amount / Ticket size
₹1 Crore -- ₹100 Crore
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Lease Rental Discounting (LRD) — Key Facts

Loan Amount / Ticket size
₹1 Crore -- ₹100 Crore
Interest Rate / Cost
\~7%--11% p.a.
Collateral
The leased property + assignment of lease rentals
Tenure
Aligned to the lease (typically up to 9--15 years)
Turnaround Time
7-10 working days
Best For
Owners of leased commercial property with a strong tenant
Overview

What It Is & How It Works

Loan against the future rental income of a leased commercial property. The lender advances funds today against rent to be collected over the lease term, usually routed through an escrow account.

How It Works

The Process, Visualised

Turning rent into capital todayLeased PropertyReputed tenantFuture RentOver lease termLoan AdvancedAgainst rent flowEscrow RepaymentRent services the loan

The lender advances funds today against your future rental income, usually routed through an escrow account.

Eligibility Criteria

  • Owner of a commercial property leased to a reputed tenant
  • Registered lease with a residual term of at least 3--5 years
  • Stable, verifiable rental inflow
  • Clear title to the property
  • Willingness to route rent through an escrow account

Documents Required

  • Registered lease / leave-and-licence agreement
  • Property title and chain documents
  • Rent receipts / bank credits evidencing rental inflow
  • Tenant profile and, where available, tenant financials
  • PAN, Aadhaar and address proof of owner
  • Last 12 months\' bank statements
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Manufacturing Units
Real Estate Developers
Warehousing
Educational Institutes
Healthcare
Commercial Owners
Get Started

Apply for Lease Rental Discounting (LRD)

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

It is based on the net present value of the future rentals over the lease term, discounted at the applicable rate --- not on the property\'s market value alone.
Yes, significantly. A well-rated corporate or brand tenant on a long lease improves both the loan amount and the rate, because the rental stream is more secure.
The escrow ensures rent flows directly toward loan servicing, which lowers lender risk and helps you secure a finer rate.
The facility factors in lease expiry and re-leasing risk. We structure the sizing and covenants conservatively so an early exit doesn\'t create a shortfall.
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Apply for Lease Rental Discounting (LRD)

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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