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Personal, home, vehicle & other loans

IB Rental

Finance against lease rentals from commercial or residential property, generally for loan requirements of ₹5 crore and above, secured by the property and assigned rental cash flows.

Interest rate8.45%–10.45% p.a. floating for IB Rental; the current table also lists an IB Rental (CRE) variant at 8.95%–10.95%.Maximum amountNo universal rupee ceiling is published; the requirement is ₹5 crore and above and the amount depends on rental value over the unexpired lease period.TenureEMI repayment maximum 144 months; 180 months may be considered selectively.
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Quick eligibility check

IB Rental

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: the scheme requires an eligible owner and lease-rental cash flow, with loan requirements of ₹5 crore and above?

Published source: Minimum income

2Do you meet this requirement: Owner of a commercial or residential property let or proposed to be let to an eligible lessee or tenant?

Published source: Eligibility

3Do you meet this requirement: for requirements below ₹5 crore the bank directs applicants to IB Rent Encash?

Published source: Eligibility

4Can you provide this required proof: Borrower KYC and constitution records, property title and valuation, lease or proposed lease, lessee information, mortgage, escrow and tripartite agreement documents?

Published source: Required documents

5Do you meet this requirement: Owners of commercial or residential property who have let, or propose to let, it to eligible lessees or tenants may apply?

6Document checkDo you have this required document or proof: KYC and borrower constitution documents?

Published source: Required documents

7Document checkDo you have this required document or proof: Property title and valuation documents?

Published source: Required documents

8Document checkDo you have at least one of these required documents: Lease or proposed lease and lessee information?

Published source: Required documents

9Document checkDo you have this required document or proof: Mortgage, escrow and tripartite-agreement documents?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeSecured loan against lease rentals from commercial or residential property.View source
The official page describes IB RENTAL as finance against lease rentals of commercial and residential property.
Source
IB Rental — Indian Bank
Page / section
Scheme overview
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate8.45%–10.45% p.a. floating for IB Rental; the current table also lists an IB Rental (CRE) variant at 8.95%–10.95%.View source
The current floating table lists separate IB Rental and IB Rental () rows.
Source
Indian Bank floating personal-segment rates
Page / section
Loan against Rent Receivables — IB Rental / IB Rental ()
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe rate is labelled floating; no named benchmark or spread is published on the reviewed product page or current table.View source
The current sources state floating rates without a named benchmark.
Source
Indian Bank IB Rental benchmark review
Page / section
Rate table; scheme overview
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published for IB Rental.View source
The reviewed sources publish and repayment periods but no separate figure.
Source
Indian Bank IB Rental review
Page / section
Scheme criteria; interest-rate table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo salary-income floor is published; the scheme requires an eligible owner and lease-rental cash flow, with loan requirements of ₹5 crore and above.View source
The page publishes a ₹5 crore-and-above loan requirement, not a personal income threshold.
Source
IB Rental eligibility review
Page / section
Eligibility; loan amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountNo universal rupee ceiling is published; the requirement is ₹5 crore and above and the amount depends on rental value over the unexpired lease period.View source
The official table says loan requirement of ₹5 crore and above and ties the amount to monthly rental value and lease period.
Source
IB Rental loan amount
Page / section
Loan amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureEMI repayment maximum 144 months; 180 months may be considered selectively.View source
The official table publishes 144 months and selective consideration of 180 months.
Source
IB Rental repayment
Page / section
Tenor and period of repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing fee1% of the loan amount under the current personal-segment schedule for Rent Encash / IB Rental.View source
The current schedule lists Rent Encash / IB Rental at 1.00% on the loan amount.
Source
Indian Bank processing fee schedule
Page / section
Ind Mortgage Scheme — Rent Encash / IB Rental
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureThe IB Rental page does not publish a separate prepayment or foreclosure charge; applicable current loan terms must be confirmed before signing.View source
The reviewed page publishes security, margin and repayment period but no separate prepayment amount.
Source
Indian Bank IB Rental prepayment review
Page / section
Complete scheme criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityOwner of a commercial or residential property let or proposed to be let to an eligible lessee or tenant; for requirements below ₹5 crore the bank directs applicants to IB Rent Encash.View source
The official eligibility row names property owners and eligible lessee/tenant arrangements.
Source
IB Rental eligibility
Page / section
Eligibility; loan amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsBorrower KYC and constitution records, property title and valuation, lease or proposed lease, lessee information, mortgage, escrow and tripartite agreement documents.View source
The scheme requires mortgage covering 125% of loan amount, escrow of rentals and a tripartite agreement.
Source
IB Rental security and documentation
Page / section
Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Designed for loan requirements of ₹5 crore and above
  • Margin of 10%–20% of net present value of rentals
  • repayment up to 144 months; 180 months may be considered selectively
  • Mortgage, escrow and tripartite lease-rental arrangements are published security options

Eligibility

  • Owners of commercial or residential property who have let, or propose to let, it to eligible lessees or tenants may apply. For requirements below ₹5 crore, Indian Bank directs customers to IB Rent Encash.
  • The property mortgage must cover 125% of the loan amount and lease rentals are escrowed under the published structure.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • and borrower constitution documents
  • Property title and valuation documents
  • Lease or proposed lease and lessee information
  • Mortgage, escrow and tripartite-agreement documents
  • Income and rental-flow records

Related official documents

IB Rental — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗
Processing Fee on Personal Segment Loan Products — Indian Bankofficial-fee-schedule · current · accessed 31 Aug 2026
↗
Interest Rates on Personal Segment Loan Products: Floating — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligibility · Published detailOwners of commercial/residential property let or proposed to be let to eligible lessees.

This value is copied from IB Rental — published terms. Check the table notes before relying on it.

Source: IB Rental — Indian Bank · Complete scheme table; current rate and fee schedules Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsIB Rental — published termsCurrent Indian Bank lease-rental finance eligibility, amount threshold, margin, tenure and security.View tableHide table

Scroll sideways to view every column

IB Rental — published terms
ParameterPublished detail
EligibilityOwners of commercial/residential property let or proposed to be let to eligible lessees.
PurposeAny bankable purpose.
Loan amountRequirement of ₹5 crore and above, linked to monthly rent and unexpired lease period; below ₹5 crore use IB Rent Encash.
Margin10%–20% of net present value of rentals.
Tenure maximum 144 months; selective consideration up to 180 months.
Rate8.45%–10.45% p.a. floating; IB Rental () 8.95%–10.95%.
Processing fee1% of loan amount under current Rent Encash / IB Rental schedule.
SecurityMortgage covering 125% of loan amount, escrow of rentals and tripartite borrower-lessee-bank agreement.
PrepaymentNo separate charge stated on the reviewed product page.
Documents, property title/valuation, lease, lessee, mortgage, escrow and tripartite records.
IB Rental — Indian Bank · Complete scheme table; current rate and fee schedules · accessed 31 Aug 2026Open official source ↗

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