Loan Against Property


Our Loans Against Property can help you through life’s biggest moments. Weddings, personal passions, educational fees or career changes - we’ve got you covered. Refinance any existing commercial or residential property at the best rates today.


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Udyog Loan Against Property


Are you an MSME owner looking to scale your business operations? Take your business to new heights with Godrej Capital Udyog Loan Against Property. Our loan solutions enable business owners to get higher loan eligibility by allowing multiple sources of income to be considered. With quick loan approvals and attractive interest rates, our goal is to help your business achieve growth.


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Commercial Property Loan


Take your business to the next level with a Commercial Property Loan that finances construction, extension or improvement to make your business goals become reality. With plans designed for your life, you can rest assured that your business empire is in safe hands.


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Balance Transfer


Transfer your existing loans to Godrej Capital and experience the benefits of lower interest rates, flexible repayment terms, and significant EMI savings. Enjoy higher eligibility, along with a Top-Up loan, to take care of your extra needs.


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Home Loan


Seeking a Home Loan to buy a ready-to-move-in property, an under-construction house, or renovate your current residence? Our Home Loan, featuring low interest rates and flexible EMI plans, is specifically designed to help you accomplish buying your dream home.


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Plot Loan


Found the perfect spot to build your future? Our Plot Loans can help make it yours. Our loans offer you the financial help, low interest rates and flexible payment options you need to construct the home of your dreams.


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Professional Loan for Doctors


Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our professional loans for doctors are here to help you.


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Professional Loan for Doctors


Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our professional loans for doctors are here to help you.


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Professional Loan for CAs


Want to scale your professional practice? We now offer professional loans for doctors and chartered accountants (CAs) to help you expand your existing set-up, hire more staff, buy modern equipment, and fulfil other business requirements to improve and develop your services.


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Business Loan for MSMEs


If you're an entrepreneur with a small business or an MSME and are aspiring to take your venture to greater heights, you're in the right space! While you hustle for your company's success, we stand prepared to accompany you on this journey. Access unparalleled funding possibilities with our MSME-focused business loans, aligning seamlessly with your endeavors for business growth.


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Business Loan for Women


Are you a woman entrepreneur with a vision for business growth? We are excited to fuel your ambitions with our women-centric business loans. Whether you're spearheading a small-scale business or a micro enterprise, our MSME-focused business loans are designed to meet your business needs.


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Business Loan


We give you the courage to take that next step that your business needs. Godrej Capital Business Loans empower you with customizable financing solutions to grow your business to the next level!


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Achieve financial growth

Achieve Financial Goals with Lease Rental Discounting

In the complex landscape of financial management, individuals and businesses are often seeking avenues to secure their financial stability and foster growth. From traditional banking products to innovative financial instruments, the spectrum of options available is vast and ever-evolving. Recently, Lease Rental Discounting (LRD) has become popular for its ability to help reach financial goals.


LRD is a new way of financing for property owners who make money from leased properties, changing the traditional methods. It operates on a unique principle, leveraging the steady stream of rental income as collateral to secure loans.

This new method is gaining attention because it allows property owners to access funds without selling their assets. Property owners can receive money without giving up ownership of their assets.


The method is popular because it lets property owners get cash without selling their properties. It can work as a financial tool based on the receipts of the rental property. Lease Rental Discounting (LRD) is crucial for individuals seeking financial aid compared to conventional term loans. LRD involves using future rental income as collateral, making it distinct from traditional loan structures.


By exploring LRD's mechanics and advantages, borrowers can make informed decisions about their financing needs. Moreover, integrating LRD into a comprehensive financial plan can open new avenues for growth and prosperity. Let’s delve into LRD, offering insights to empower your financial journey and achieve your goals.

What is Lease Rental Discounting?

Lease Rental Discounting is a financial product for property owners who earn rental income from their leased properties. In LRD, the lender extends a loan against the future rental income generated by the property. Property owners can borrow money using rental income as security, based on their profits from renting out their property.

How is it Different from a Term Loan?

While both LRD and term loans serve as sources of financing, they operate on different principles. In a term loan, the borrower receives a lump sum amount and repays it over a fixed period with interest.

Conversely, LRD leverages the future rental income stream to secure the loan. The lender evaluates the creditworthiness of the borrower and the stability of rental income before sanctioning the loan. LRD usually has better terms than regular loans because there is less risk with rental income.

Financial Planning to Achieve Financial Goals

Financial planning plays a crucial role in achieving both short-term and long-term financial objectives. By diligently assessing income, expenses, assets, and liabilities, individuals can chart out a roadmap to meet their goals. A good financial plan helps with buying property, paying for education, and saving for retirement by giving clear guidance. Financial planning helps find the best ways to make money and reduce risks, like using LRD financial instruments.

How can Lease Rental Discounting help you?

LRD offers a strategic avenue for individuals and businesses to realize their financial aspirations. By leveraging their rental income, property owners can unlock liquidity without resorting to selling their assets. This liquidity infusion can be instrumental in funding diverse endeavours, including business expansion, or investment in new ventures. Also, LRD repayment is flexible, matching rental income to reduce financial pressure.


Also read: Lease Rental Discounting: All You Need to Know

How to effectively leverage Lease Rental Discounting?

Several factors contribute to the effectiveness of LRD in achieving financial goals:


  1. Leveraging Existing Assets: Using what you already have: LRD lets property owners use their current assets to get money and avoid needing more collateral.
  2. Loan Terms: Good loan terms in LRD include low-interest rates and flexible repayment plans, making it a popular financing choice.
  3. Preservation of Ownership: Unlike selling the property, LRD enables individuals to retain ownership while unlocking its value, providing a balanced approach to liquidity management.
  4. Risk Mitigation: Steady rental income reduces risk for lenders and borrowers by providing a reliable repayment source.


Lease Rental Discounting is a powerful tool for financial planning, helping people and businesses reach their money goals effectively. By harnessing the potential of rental income, LRD offers a sustainable means of accessing liquidity while preserving asset ownership. Including LRD in a financial plan can help achieve short and long-term financial goals. This can lead to increased financial security and prosperity.


You can calculate your Lease Rental Discounting eligibility using an eligibility calculator here


Disclaimer: The contents of this article are for information purposes only and not a financial advisory. The information is subject to update, revision, and amendment and may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Godrej Capital or its Affiliates to any requirements. Godrej Capital or its Affiliates shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any decisions, financial or otherwise based on the contents and information mentioned. For more information, please visit