KBL Lease & Cash Loan

This unique service is designed for property owners who want to make the most out of their leased properties. Whether you're planning to renovate or invest in new ventures, we aim to help you unlock the hidden value of your property. It allows you to borrow up to 80% of your net rent receivables, so you can gain financial leverage. With an interest rate starting at 12% p.a, this could be a smart choice for those looking to capitalize on their property's earning potential while continuing to earn from it. Read more

Why this loan is for you

Designed to give you just what you need.

Borrow against your leased property's potential

Repay with ease from rental income

Access upto ₹5 crores with quick sanctions

Down payment amount

Up to 20% of the net rent receivables.

Loan repayment

Make your loan payments in easy equated monthly installments (EMIs).

Based on rent

Avail financing up to 80% of the net rent receivables or net rent of the residual lease period, whichever is lower.

Loan collateral

The leased property or any other residential/commercial property is mortgaged as collateral for the loan.

Make matters simple and straightforward

A smart calculator for smart spending and savings

Emi Calculator

Loan amount
25000 1000000
Rate of interest
2% 18%
Loan tenure
1 Months 60 Months

You will pay

₹13,800/Months

Not sure which product is for you?

Let’s find the best fit together

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

Eligibility criteria

Indian resident
  • Bona fide owners of leased property
  • Lessees must be reputable entities
  • Same as Indian residents with FEMA guidelines’ compliance

Documents required

Indian resident
  • Bona fide owners of leased property
  • Lessees must be reputable entities
  • Same as Indian residents with FEMA guidelines’ compliance

As easy as 1,2,3...

Apply for a KBL Lease & Cash Loan in 3 simple steps

Step 1

Visit your nearest branch

Go to your nearest Karnataka Bank branch

Step 2

Start with your basic details

Provide your basic details and keep your documents handy

Step 3

We’ll take care of the rest

Our branch officials will notify you when your loan is sanctioned

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Explore other options for you

Trusted by thousands and handpicked for financial excellence

KBL Mortgage Loan

  • Up to ₹7.5 crore max loan amount
  • Interest rate starting at 9.93*% p.a.
  • Up to 120 months loan tenure

KBL Suvidha Overdraft Loan

  • Up to ₹25 lakh max loan amount
  • Interest rate starting at 11.68*% p.a
  • Up to 24 months loan tenure

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Got questions? We’ve got answers.

What are the repayment terms for this loan?

You have a maximum tenure of 120 months to repay the loan, providing ample time for financial planning.

Equated Monthly Installmen is a structured payment method that enables you to repay your loan in fixed monthly amounts. This includes both the interest and the principal, designed to reduce your loan balance while fitting into your monthly budget comfortably.

The loan is secured against your property already mortgaged with us, ensuring a straightforward process.

The interest rates for the Lease & Cash loan start at 9.93*%. The exact rate may vary depending on various factors such as your income, credit history, and the value of your collateral. Our competitive rates ensure that your overdraft facility is affordable and aligns with your financial situation.

The loan offers a flexible repayment tenure of up to 120 months, allowing you to plan your finances without any pressure.

Maximizing your property’s potential with the KBL Lease & Cash Loan

The KBL Lease & Cash Loan is an innovative financial solution tailored for property owners looking to leverage their leased properties to their fullest potential. Whether you're eyeing renovations, planning to dive into new business ventures, or have other personal financial goals, this loan is designed to match your ambitions. By allowing you to borrow up to 80% of your net rent receivables, the KBL Lease & Cash Loan enables you to tap into the hidden value of your property, providing a substantial loan amount of up to ₹5 crore. With a comfortable repayment tenure of up to 120 months, you can harness your property's earning capacity while enjoying the benefits of continued income from it.

Interest rates are a pivotal factor in any loan decision, and with KBL's Lease & Cash loan, you can benefit from an attractive starting rate of 9.93*% p.a. This competitive interest rate is structured to balance affordability with the flexibility of a secured loan, ensuring that your financial planning is both prudent and practical. At Karnataka Bank, we are committed to transparent lending practices, helping you to plan your finances with a clear understanding of the cost of borrowing. This way, you can make informed decisions and enjoy the financial latitude to realize your property's potential without undue strain on your finances.

Do assess your financial stability and ability to repay before taking the loan. Ensure that the purpose of the loan justifies the risk of pledging a property. It's advisable to have insurance on the property to protect against unforeseen circumstances. Don't underestimate the costs associated with the loan, including processing fees and potential prepayment penalties. Avoid over-leveraging your property, and always have a contingency plan for repayments in case of financial setbacks.