Secure Your Future with KreditMudra LRD Loans
Loan Against Rent Receivables is designed to cater to specific financial needs and situations. By leveraging the value of the property and current rent earnings, individuals and businesses can access substantial funds with favourable terms.
Interest rate
8.75% p.a. onwards
Loan amount
Based on rental inflow
Tenure
Up to 15 years
Loan Against Future Rent Receivables is based on the future rent receivables of a commercial property. It is used primarily for business needs, creating new assets, and debt consolidation, leveraging the assured future income from rented commercial properties.
When choosing an LRD, it's important to consider the specific requirements and benefits of each type in order to select the one that best suits your financial goals.
Lease Rental Discounting: every variant
Select a product to see how it works and how we help you secure it.
Specialised Properties
Are you looking to finance your special-purpose properties, such as warehouses, schools, hospitals, and industrial sites? A specialised property loan will be the perfect solution for you. These loans do not fall under typical home or commercial property loans and require flexible repayment options and significant funding with lower interest rates.
A specialised property loan is specifically designed for niche business functions. KreditMudra provides you with the perfect solution by connecting you to a suitable lender with flexible repayment options, lower interest rates, and quick disbursal. We simplify the process by providing expert guidance on eligibility checks, completing the application, documentation, and final approval.
Key highlights
Lower interest rates
Higher tenure
Prepayment and foreclosure available
Balance transfer available
Composite loan for commercial land + construction
Eligibility criteria
Ownership of a rented commercial or residential property
Registered lease deed with a creditworthy tenant
Residual lease period supporting the proposed tenure
Rental inflow routed through a documented banking channel
Clear title and approved building plan
Documents required
Registered lease or rent agreement with the tenant
Property title chain and latest tax receipts
Bank statements evidencing rent credits for 6–12 months
KYC and income documents of the owner
Tenant's credentials and, where available, their financials
Criteria and documentation vary between lenders. We confirm the exact requirement for your chosen lender before you submit anything.
Estimate your LRD loan EMI
Adjust the amount, rate and tenure to see what the repayment would look like.
Your monthly EMI
₹24,986
- Principal₹25 L
- Total interest₹19.98 L
- Total payable₹44.98 L
Indicative only. Your actual EMI depends on the lender's final approved rate, processing fees and insurance.
Get offers at this amountLease Rental Discounting: common questions
Lenders discount the net rent receivable over the residual lease period to its present value, then fund a percentage of that figure (usually capped so the EMI stays within about 80–90% of the monthly rent). The property's market value acts as a second cap.
Most LRD sanctions require you to service the EMI regardless of occupancy, and lenders assess your ability to do so upfront. A strong tenant with a long residual lease materially improves both your rate and your eligibility.
Yes, though commercial properties with registered leases to corporate tenants attract the best terms. Residential LRD is funded more conservatively because the rental inflow is considered less stable.
Usually, yes. Because repayment is backed by a contracted rental stream, LRD is treated as lower risk and is often priced below a comparable LAP.
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