Lease Rental Discounting

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Yashika Financial Services Overview

Monetize Future Rentals

Unlock immediate liquidity from rental agreements

What is Lease Rental Discounting?

Lease Rental Discounting (LRD) enables property owners to unlock immediate funds against future rental income from commercial or residential properties. By leveraging existing lease agreements with creditworthy tenants, you can access substantial capital without selling your asset. With attractive loan-to-value ratios, competitive interest rates, and flexible tenure options, LRD provides an efficient financing solution for property owners seeking liquidity while retaining ownership and continuing to receive rental income.

Loan Amount: ₹10,00,000 - ₹5 Crore
Interest Rate: From 10% p.a.
Tenure: 3 - 15 years
LTV: Up to 60%

Perfect For

Commercial Property
Residential Rental
Industrial Units
Retail Spaces
Office Spaces
Institutions
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Yashika Financial Services Why Choose Us

Leading LRD Finance Provider

Maximize property returns with rental-backed financing

01

Attractive LTV

Get up to 60% of rental value as loan amount immediately.

02

Retain Ownership

Keep property ownership while accessing funds against rentals.

03

High Funding

Loans up to ₹5 crores based on rental income stream.

04

Long Tenure

Repayment period up to 15 years for comfortable EMIs.

05

Lower Interest

Competitive rates from 10% p.a. due to rental security.

06

EMI from Rent

EMI can be serviced directly from rental income received.

Yashika Financial Services Quick Application

Apply for LRD Loan

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Yashika Financial Services Eligibility

LRD Loan Eligibility

Basic Eligibility

Property Owner

Individual or corporate property owner

Lease Agreement

Valid registered lease with min 3 years remaining

Age

Between 25 to 70 years

Credit Score

720+ preferred for LRD

Property Requirements

Property Type

Commercial/Residential with tenants

Tenant Profile

Creditworthy corporate/MNC/PSU tenants

Rental Yield

Minimum monthly rent ₹50,000+

Clear Title

Marketable title free from encumbrances

Yashika Financial Services Documentation

Documents Required

Keep these documents ready for LRD approval

Identity Proof

Aadhaar / PAN / Passport

Lease Agreement

Registered lease deed with tenant

Property Papers

Title deed, sale deed, NA order

Rental Receipts

Last 6-12 months rent receipts

Bank Statements

Showing rental credit for 12 months

Tenant Details

Company/individual KYC & financials

Yashika Financial Services Features & Benefits

LRD Loan Advantages

01

Rental Security

Loan backed by rental income

02

Retain Asset

Keep property ownership intact

03

Long Tenure

Up to 15 years repayment

04

Lower Rates

Starting from 10% p.a.

05

High LTV

Up to 60% of rental value

06

Tax Benefits

Interest deduction available

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Yashika Financial Services Success Stories

Property Owner Testimonials

Real experiences from property owners who unlocked rental value

"Got ₹1.2 crore LRD loan against my commercial property rented to an MNC. Used funds for business expansion. Ketan sir's guidance was invaluable!"

Sunil Kapoor

Property Owner, Bangalore

"LRD helped me unlock capital from my retail property without disturbing the lease. EMI is paid from rent itself. Smart financial solution!"

Anjali Deshmukh

Property Investor, Mumbai

"Secured LRD against my warehouse leased to logistics company. Great rates at 10.5% and 10-year tenure. Professional service from Yashika team!"

Mohan Reddy

Property Owner, Pune

Have Rental Property?

Unlock immediate funds against your rental income

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Yashika Financial Services LRD FAQs

Got Questions?
We Have Answers

Find answers to commonly asked questions about LRD loans.

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What is Lease Rental Discounting?

LRD is a loan product where property owners can get immediate funds by discounting future rental income. The property's lease agreement serves as security, and rental receipts are used to calculate loan eligibility.

Who is eligible for LRD loans?

Property owners (individuals or companies) with commercial or residential properties leased to creditworthy tenants (corporates, MNCs, PSUs) with a valid registered lease agreement of minimum 3 years remaining tenure are eligible.

How much loan can I get against rental income?

You can typically get 50-60% of the net present value (NPV) of future rental income over the lease period. The exact amount depends on tenant creditworthiness, lease tenure remaining, and property value.

Can tenant continue in the property?

Yes, the existing lease agreement continues unchanged. The tenant continues occupancy and pays rent as per the agreement. Only the rental receivables are assigned to the lender for loan repayment.

What if the tenant vacates before loan tenure?

Most LRD agreements require you to replace the tenant with another creditworthy tenant or repay the outstanding loan. Some agreements allow conversion to regular LAP (Loan Against Property) in such scenarios.