# LRD loan in Coimbatore: lease rental discounting on your Coimbatore property
> An LRD loan in Coimbatore is a term loan repaid from rent your tenant pays into the lender's escrow account. It suits a Coimbatore property let to a creditworthy company on a registered lease whose lock-in covers most of the loan tenure. JR Loan Advisors structures Coimbatore cases of ₹5 crore and above.
Source: https://jrloanadvisors.com/lrd-loan-coimbatore/ · Author: CA Jitendraa Rathi (CA membership number 217936), JR Loan Advisors · Updated 26 Oct 2026
**[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above.
Coimbatore is one of the few Tamil Nadu cities outside Chennai where an owner can realistically have an MNC or listed-company tenant: IT and engineering-services firms in office space along Avinashi Road and the city's technology parks, and component makers renting sheds near their OEM customers. That makes LRD a real option here, and it also means lenders benchmark your lease against many similar ones they already hold.
## Which facility fits your Coimbatore property?
| Coimbatore situation | What usually fits |
|---|---|
| Floor let to an IT company on a registered lease with a long lock-in | LRD; rent-free months excluded |
| Shed let to a component supplier that is a company | LRD, with tenant concentration reviewed |
| Lease with an early exit option | LRD sized on the lock-in only, or LAP |
| Rent escalated since your current LRD was sanctioned | Top-up or balance transfer on today's rent |
How lenders size LRD (tenant quality, lock-in, lease vs loan tenure, escrow, net rent and the property-value cap) and the full document list are on our [Lease Rental Discounting service page](/services/lease-rental-discounting/). Property papers: [TN property documents guide](/insights/tamil-nadu-property-documents-cmda-dtcp-patta-ec/). Not LRD? See [LAP in Coimbatore](/loan-against-property-coimbatore/).
Open a section below only if you want more detail.
Office floors let to IT and engineering-services companies
## Office floors let to IT and engineering-services companies
An IT tenant often negotiates a rent-free fit-out period, staggered rent on later floors and an exit option after the lock-in. Lenders read every one of those clauses. Rent-free months are not counted. A tenant who can leave after three years caps how much of a fifteen-year rent stream the lender will discount. Check whether the lessee is the Indian subsidiary or a branch, and whether a parent guarantee exists.
Sheds let to auto-component and pump suppliers
## Sheds let to auto-component and pump suppliers
Engineering suppliers in the Coimbatore belt rent sheds close to their customers. The tenant's own risk becomes your LRD risk: a credit manager asks how much of the tenant's sales go to one OEM, and whether the shed is specialised (crane bays, heavy foundations) or easy to re-let.
Approval and land-use checks specific to the city
## Approval and land-use checks specific to the city
Office buildings on converted land along the growth corridors need proof of land-use conversion and building approval for commercial use. Villages along the Western Ghats foothills may fall under the Hill Area Conservation Authority. The lender's legal team will raise both points; a clear answer on file speeds up the sanction.
City overview: [Coimbatore loan advisor](/locations/coimbatore/). WhatsApp or call **+91 94450 93336** with the lease and the tenant's name. We work on loans of ₹5 crore and above. JR Loan Advisors is an
## Outside Tamil Nadu
We work Tamil Nadu files from Chennai. We do not publish fake metro city pages. Outside Tamil Nadu we can review a ₹5 crore+ file by papers and call only.
## Sources (checked 28 October 2026)
- Axis LRD eligibility example: [Axis LRD](https://www.axis.bank.in/loans/loan-against-property/lease-rental-discounting/eligibility) (checked 28 Oct 2026). The bank decides.
## Frequently asked questions
### Do lenders accept an office floor let to an IT company in Coimbatore for LRD?
Yes. It is a typical LRD asset. Lenders check the tenant's strength, the lock-in, the lease time still left, rent-free periods and the building's completion and plan approvals.
### My IT tenant has an exit option after three years. How does that affect the loan?
Lenders usually rely on rent within the lock-in. An early exit option shortens that, so the loan may be smaller or the tenure shorter unless the tenant agrees to a longer lock-in.
### Is a shed let to an auto-component supplier acceptable for LRD?
Often, if the tenant is a company with filed financials and the lease is registered. Lenders look at how dependent the tenant is on one customer and how easily the shed could be re-let.
### Does a rent-free fit-out period count towards LRD eligibility?
No. Lenders count only rent actually receivable. Rent-free or reduced-rent months at the start of the lease are excluded from the calculation.
### Is JR Loan Advisors a lender?
No. Only the bank or finance company decides whether to lend, the amount and the rate. You may pay us a fee. We tell you the amount in writing before we start.
## Discuss a ₹5 Cr+ loan
Send your papers for a free first look (₹5 crore to ₹250 crore). This is not a loan approval. **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. You may pay us a fee. We tell you the amount in writing before we start.
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JR Loan Advisors — loan help for borrowers, Chennai & Tamil Nadu. Phone/WhatsApp +91 94450 93336 · jitendraa@jrloanadvisors.com · https://jrloanadvisors.com/