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Capital SFB

Loan Against Rentals

Features of Loan against Rentals

Unlock the potential liquidity from future rentals

Extended loan repayment period

Quick loan disbursement

Loan can be obtained at favorable interest rates

Simple and easy documentation process

About Loan against Rentals

Loan against Rentals are for leveraging your commercial property's rental income. Investing in commercial real estate offers various benefits, including the ability to generate steady monthly income by renting out your property. Additionally, you can use these rental receipts to obtain a substantial line of credit through lease rental discounting – a type of term loan that requires you to assign your future rental receivables as collateral.



Security Norms

Loan shall be secured by way of assignment of rent and mortgage of the property given on rent.

Guarantee Norms

Third party guarantee of substantial means

Documents Required

Proof of ownership of property rented

Lease agreement copy

12 months bank statement to which rentals are credited

Application form with photograph

Income Proof

Identity and Residence proof

Other documents as per scheme


Owners of the properties

Individuals / Partnerships / Corporate / Trusts / HUFs

Lessee shall be reputed companies in the Private / Public category, Multinational and Public Sector Undertakings or Banks

How to apply for Loan against Rentals?

Visit your nearest branch: To begin the process, bring your KYC documents and passport-sized photographs to your nearest branch. You can fill out the application form at the branch to get started.

Customer Care: Call us at 1800 120 1600, one of our representatives will get in touch with you.

Email: Mail us as at lead@capitalbank.co.in with your Name, Contact Number, Address & Message. One of our representatives will get in touch with you.


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By obtaining a loan against your rental income, you can harness the power of your rental cash flows to your advantage. Whether it’s for personal or professional needs, you can meet your financial requirements by leveraging your rent receivables.

You may qualify for a loan upto 60% of your future rent receivables.

The amount of loan shall be future cash flows of the rental income based on the monthly rent and the lease period of each lease. The amount of financing shall be 60% of the aggregate future rentals (Net of TDS) during the initial tenure of each lease subject to maximum of 120 months lease.

Yes, the facility can be availed in the shape of term loan or Overdraft limit with reducing DP. The OD limit/term loan under this scheme is repayable within the initial period of the lease or maximum period of 10 years whichever is earlier.

 RTGS/NEFT/IMPS/NACH payments received by the Bank in loan accounts after 9:00 p.m.,
will be considered as credit in next day for overdue calculation.