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Home > Loan > Loan against Rent Receivables

IDBI Bank Loan Against Rent Receivables

We have designed the product Loan against Rent Receivables with an objective to address the financial requirement of applicants having self owned property given on rent & enable them to get the liquidity against the expected future rentals of the property.


Bullet Loan Purpose:
Any Productive Purpose such as
Taking up new projects
Business, trade/commercial activity
Education/Marriage Expenses.
Repair/Renovation/Construction of building/residences/Commercial shops
Repayment of Existing Loans
Purchase of House

Bullet Loan Amount:
Up to Rs.10 Cr
For loan above Rs.10 Cr, depends on individual cases.

Bullet Loan Tenure:
Maximum 120 monthly installments or Residual lease tenure whichever is less.

Bullet Eligibility:
Property owners having their property situated in Metro/ Urban Area/ Semi-Urban areas/ Rural Areas, who have let out /leased their property under registered lease deed/ Leave & license agreement to Public Sector Undertakings/ Govt. / Semi Govt./ State Govt. reputed corporate houses, Banks, Financial Institutions, Insurance Companies, Multinational Companies, Warehouses, large retail outlets, person engaged in trade, commerce & business, Professionals, self Employed, High Net worth Individuals, Salaried Class, Proprietary firms, Partnership firm, companies, etc.

Bullet Processing Fees:
Up to 1% of the loan amount plus service tax as applicable.

Bullet Maximum Funding*:
Up to 85% of the market value of the property.

*Subjected to repayment capacity of the individual as assessed by IDBI Bank Ltd.

Bullet Assessment of Loan Amount:
Loan amount will be assessed in such a way that it is repaid within the residual lease period or maximum 120 months, whichever is earlier. Net rent (rent minus taxes and dues) will be calculated after making necessary deduction from gross receivables.

For Loan eligibility, future rentals would be considered in the following proportion of the future lease rentals receivables for unexpired period of lease.

Lease Period

Loan as a Proportion of the future rent receivables.

Up to 3 years


3 years to 5 years


5 years to 7 years


7 years to 10 years


The Following documents are required along with The Application Form to process your Loan application.

Salaried Customers

Self Employed Professionals

Self Employed Non Professionals

Application form with photograph

Application form with photograph

Application form with photograph

Identity and Residence Proof

Identity and Residence Proof

Identity and Residence Proof

Latest Salary-slip for last 3 months

Education Qualifications Certificate and Proof of business existence

Proof of business existence

Form 16/ITR

Last 3 years Income Tax returns

Business profile

Last 6 months bank statement

Last 3 years Profit /Loss and Balance Sheet

Last 3 years Income Tax returns

Last 3 years Profit /Loss and   Balance sheet statement.

Processing fee cheque

Last 6 months bank statements

Last 6 months bank statements

Processing fee cheque

Processing fee cheque

Property Related Documents

All Title related Documents along with approved sanction/building plan.

Note: The documents mentioned above are indicative in nature. IDBI Bank may ask for additional document if required during the processing of your loan application.

Primary: First Charge on the mortgaged property by way of equitable mortgage against which IDBI Bank has advanced the loan. If the equitable mortgage of relative immovable property is not possible, for any valid reason whatsoever, the mortgage of any other property as security with market value not less than 150% of the proposed loan.

Collateral: Liquid Collaterals as required by The Bank selectively in the form of Pledge/Hypothecation and Assignment depending on individual cases.

Other Charges:
Following are the schedule of charges and Terms & Conditions applicable on Home Loans and Loans against property.
Click here to download the schedule of charges.

How to apply:
You can help us by choosing any of the following ways to provide you our Loan Solution:-
IDBI Bank Branch Locator: Click here to know the Branch nearest to your location. Contact our Branch Personnel.

Call IDBI Loan Against Property Sales Officer in your City.

Apply online

Help us to Contact You.
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