IDBI Bank Loan Against Rent Receivables

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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.


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

Loan Amount

Up to Rs.10 Cr
For loan above Rs.10 Cr, depends on individual cases.

Loan Tenure

Maximum 120 monthly installments or Residual lease tenure whichever is less.


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.  

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.  

Processing Fees

Up to 1% of the loan amount plus service tax as applicable.

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 : 8 5%
  • 3 years to 5 years : 75%
  • 5 years to 7 years : 65%
  • 7 years to 10 years : 55%

Application form with photograph

Identity and Residence Proof

Latest Salary-slip for last 3 months

Form 16/ITR

Last 6 months bank statement

Processing fee cheque

Property Related Documents

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.


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.


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

Other Charges

Attractive Interest Rates to Make
Your Loan Against Rent Receivables Affordable and Convenient

Schedule of charges and Terms & Conditions applicable on Loan Against Rent Receivables
Schedule Of Charges

How To Apply

Get a Loan Against Rent Receivables in 3 easy steps.

01. Basic Details

Provide your basic details to help us know you better.

02. Check Eligibility

Determine your eligibility to get a Loan Against Rent Receivables.

03. Submit Documents

Documents such as residential proof, income and, employment details.