TABLE OF CONTENT

    Key Highlights

    • A lease rental discounting is a loan for owners of rented commercial property. The bank decides the loan size based on future rent from strong, long-term tenants rather than just business profits.
    • A tenant usually pays rent into a chosen account. The bank deducts the loan instalment (EMI) from the rent and returns the remaining amount to the owner. This lowers lenders' risk and often yields better rates for borrowers.
    • Owners can get about 70–80% of the value of their future rent, especially if the tenant is a well-known firm. The loan period often matches the lease (about 7–15 years).


    After 2010, India’s office and retail sectors witnessed a period of rapid growth, marked by the entry of global retail brands, the expansion of e-commerce supply networks, and the scaling of domestic businesses. A majority of these firms chose not to pursue property ownership, as leasing provided a more efficient path, offering improved cash management and the flexibility to relocate or expand with ease. This shift gave rise to dependable long-term rental income for property holders.

    Recognising the stability of these lease-backed earnings, banks identified a strategic lending opportunity. Rather than relying solely on business profits, lenders could base credit decisions on rental payments from well-established tenants, whose financial strength often makes rent inflows more predictable than profits from younger or smaller businesses.

    This mutual benefit positioned Lease Rental Discounting (LRD) as a compelling solution for both landlords and lenders.

    What is Lease Rental Discounting?

    LRD full form is Lease Rental Discounting. If you are searching for LRD meaning, it is a type of property-backed business loan. A bank or finance firm gives money to the owner of a rented commercial property based on the rent they earn from a long-term tenant. The loan is ‘discounted’, meaning the future rent is used to decide the loan amount today. It is often used for shopping centers, offices, warehouses or other properties that bring in regular rent.

    How it works?

    • A property owner rents their building to a company (tenant) for many years, usually 5–15.
    • The bank reviews the rent agreement to assess whether the tenant is stable and whether the rent is fixed or likely to increase.
    • The bank then offers a loan based on future rent collections. Higher rent and a stronger tenant can mean a significant loan amount.
    • The rent is usually paid into a bank-approved account. The bank collects the rent each month to cover the loan payments and returns the excess to the owner.


    The loan tenure often matches the lease period, so rent continues to flow while the loan runs. The money can be used to grow a business, buy more property or for other business needs. Here is an example to support the above explanation.

    Imagine a small office building earns ₹10,000 a month in rent. It is rented to a known tech company for 10 years. The owner wants a loan. The bank thinks this rent is safe and agrees to lend ₹900,000 at 10% interest for 10 years. Each month, the tenant pays ₹10,000 into the approved account, totaling ₹1,20,000 per year. The bank takes a part of this ₹10,000 to cover the loan payment, let’s say ₹7,500. The bank then gives the remaining ₹2,500 back to the owner. Over 10 years, the rent helps pay the loan bit by bit. The property owner gets a large amount today and still receives the extra rent after loan payments.

    Benefits of Lease Rental Discounting

    Here is why lease rental discounting has an edge over traditional lending.

    1. Immediate Liquidity

    Lease rental discounting enables property owners to unlock instant capital by pledging their rental receivables as collateral. Unlike selling property, which permanently transfers ownership, LRD allows owners to retain the asset while monetizing its rental stream. This is particularly valuable for commercial property owners in India who want to fund expansions, manage working capital, or refinance existing debt without liquidating prime assets.

    2. Lower Risk Profile

    Banks and NBFCs view rental income as a stable, predictable source of repayment, thereby reducing repayment risk compared to unsecured loans. Since tenants are contractually bound to pay rent, lenders have greater confidence in repayment schedules. For borrowers, this translates into lower interest rates and more favorable terms than those offered by traditional business loans.

    3. Significant Funding

    LRD typically allows borrowers to secure loans up to 70–80% of the discounted value of future rentals. This is significantly higher than what many conventional loans offer against property. The calculation is based on the lease tenure, tenant profile, and rental inflows, which means owners of properties leased to reputed corporates or MNCs can access substantial funding.

    4. Flexible Tenure

    Unlike rigid loan products, LRD offers customizable repayment schedules aligned with rental inflows. Borrowers can choose tenures that match the lease period, often ranging from 7 to 15 years. This flexibility ensures that repayment obligations do not strain cash flow, as instalments are synchronized with monthly or quarterly rent receipts.

    5. Strategic Use

    LRD is not limited to emergency liquidity; it is increasingly used as a strategic financing tool. Businesses in India leverage LRD to expand operations, invest in new projects, or consolidate high-cost debts into a single, lower-interest facility. By converting rental receivables into upfront capital, companies can avoid equity dilution or expensive unsecured borrowing.

    Also Read: What Is Leasehold Property?: Features, Advantages, & Considerations

    Documents Required for Lease Rental Discounting Loan

    To apply for a lease rental discounting loan, keep the following documents handy.

    • Duly filled loan application form with passport-size photographs
    • Identity proof: PAN card, Aadhaar, Passport, Voter ID, or Driving License
    • Age proof: Birth certificate, Passport, or any statutory certificate
    • Residence proof: Utility bills, Passport, Driving License, Ration Card, Election Card
    • Income proof: Here you can include last 3 years’ Income Tax Returns (self/business), audited Profit & Loss Account and Balance Sheets (CA certified), and bank statement for the last 6–12 months reflecting rental credits
    • Property documents, which include the title deed showing ownership, previous sale deed, property tax receipts, approved building plan and municipal approvals
    • Valid lease deed with tenant details, tenure, rent amount, escalation clauses, and lock-in period
    • Tenant KYC documents (sometimes required by lenders)
    • Processing fee cheque in favor of the lending institution
    • Other supporting documents, such as self-attestation on all copies, and any additional papers requested by the bank (NOC from society, if applicable)


    How to Apply for a Lease Rental Discounting?

    If you want to apply for a lease rental discounting loan, follow the steps outlined below:

    • Step 1: Begin by checking whether your property qualifies. LRD loans are offered against rental income from commercial properties leased to reputed tenants. Ensure you have a registered lease agreement and a steady rental inflow.
    • Step 2: Compare banks and NBFCs offering LRD loans. Evaluate interest rates, tenure, loan-to-value ratio, and processing fees.
    • Step 3: Gather the required documents.
    • Step 4: Fill out the lender’s loan application form, attach required documents, and disclose rental income details.
    • Step 5: The lender will verify ownership, tenant credibility, and lease terms. They may conduct site visits and background checks to ensure rental stability.
    • Step 6: Once approved, the lender issues a sanction letter detailing loan amount, interest rate, and tenure.
    • Step 7: After completing all the formalities, the loan amount is disbursed to your account. From here, your rental inflows service the loan until closure.


    Eligibility Criteria for Lease Rental Discounting

    Lenders assess multiple eligibility factors to ensure stable repayment capacity and low credit risk in LRD in banking.

    • The applicant must be an Indian resident within the acceptable lending age bracket, generally starting from early adulthood and extending up to retirement age, depending on the lender’s internal policy. Credit history plays a crucial role; a strong credit score reflects repayment discipline and significantly improves approval prospects and loan terms.
    • Ownership of a leased property is mandatory. The asset may be commercial, residential, or industrial, subject to the lender’s preference, with commercial properties usually favoured due to predictable rentals. The lease should have a sufficient unexpired tenure, typically a minimum of two years, ensuring continuity of rental inflows during the loan period.
    • Legal compliance with the property is essential. Clear title, approved construction, and absence of disputes or encumbrances are closely scrutinised. Any pending litigation or non-compliance can lead to rejection.
    • Rental income must be backed by a valid and enforceable lease agreement executed with a financially credible tenant. Lenders verify tenant profile, rental stability, and payment history to assess income reliability. Consistent and traceable rent receipts strengthen eligibility.
    • While rental income is the primary repayment source, having an additional stable income stream improves financial strength and mitigates risk. A balanced debt-to-income ratio is also evaluated to ensure that existing obligations do not strain repayment capacity.


    Lease Rental Discounting vs Traditional Loan

    Here is the quick comparison between lease rental discounting and a traditional loan product, such as a loan against property.

    Aspect LRD Loans Traditional Loan Against Property
    What it is A loan based on future rent from a leased property. A loan based on the property’s value or the borrower’s income.
    Main security The lease and the tenant’s rent payments. The property itself, checked by a valuation.
    Who can apply Property must be leased with steady rent and a trustworthy tenant. Anyone with income, a good credit score and a property; leasing is optional.
    How the amount is set Based on rent and lease length (often 70–80% of rent value after discounting). Based on property value (often 50–70% of market valuation).
    Repayment comes from Rent is used for monthly payments; banks may collect rent. The applicant pays from salary or business income.
    Risk for the bank Lower and easier to guess if the lease is long and the tenant is strong. Higher as payment depends on the borrower’s finances.
    Rates and loan period Usually lower rates than property loans; period often matches lease and may reach 10–15 years. Rates are a bit higher; loan period is often 5–20 years.
    Best used by Commercial property owners with long leases who do not want to sell their assets. People or firms who need money for many reasons, even if the property is not leased.
    Basic paperwork Lease papers, property ownership papers, tenant ID and rent history. Property ownership papers applicant’s income proof and credit history.
    Good points for applicant Uses rent to repay easily without selling the property. Can be used by more people, even without rental earnings.
    Drawbacks for applicant Only works if the property is leased; depends on the tenant paying on time. Applicant carries the full payment pressure and the amount may be smaller


    EMI vs Rental Payments: Which is Better for Lease Rental Discounting Loans?

    When evaluating EMI versus rental payments in the context of LRD loans, the choice largely depends on cash flow stability, ownership goals, and long-term financial planning. Equated Monthly instalments (EMIs) provide a structured repayment schedule where the borrower gradually builds ownership of the property while servicing the loan.

    This is advantageous for businesses or individuals seeking asset creation, as the property becomes debt-free over time and can appreciate in value.

    Rental payments, on the other hand, are linked to the lease income generated from tenants, which is directly used to service the loan. This reduces the borrower’s repayment burden since the liability is matched with a predictable inflow, making it particularly suitable for investors who rely on rental yields rather than their own operational cash reserves.

    For example, consider a commercial property generating ₹5 lakh monthly rental income. If the borrower opts for EMI repayment of ₹4.5 lakh, the rental inflow comfortably covers the liability, leaving a surplus of ₹50,000. Over time, the borrower not only services the debt without straining personal finances but also retains ownership of the property, which may appreciate significantly.

    In contrast, if the borrower were to rely solely on rental payments without structured EMIs, they might face challenges in building equity, as the property remains leveraged longer. Thus, EMIs backed by rental inflows strike a better balance, ensuring debt repayment discipline, asset ownership, and long-term wealth creation, while rental-only structures may suit short-term investors but limit capital appreciation benefits.

    Also Read: EBLR: What is EBLR and Its Impact on Loan Interest Rate

    Conclusion

    Lease Rental Discounting is a smart way for commercial landlords to raise funds without losing their property. It uses future rent, especially from reliable long-term tenants, to set the loan size. This makes repayment smoother because the bank takes the instalment from the rent and returns the extra to the owner.

    Since rent is considered steady income, lenders often offer fairer rates, higher loan amounts, and flexible terms that align with the lease period. The loan can help owners grow their businesses, buy more assets, or pay off costly debts. With disciplined instalments backed by rent, landlords can enjoy upfront cash while retaining ownership and future value appreciation.

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    FAQS – FREQUENTLY ASKED QUESTIONS

    • What is an LRD loan?

      An LRD loan lets owners of rented commercial buildings borrow money using future rent. The owner keeps full ownership. The bank reviews the lease, tenant strength, and rent amount. Loan tenure usually matches the lease period. Rent flows are often used to repay each loan instalment month by month.

    • Who can apply for LRD?

      LRD is for landlords who own commercial property already rented to strong long-term tenants. The lease must be registered and active. The property should generate steady rent. A tenant with strong finances, like a large firm, improves approval chances. The owner must also share valid identity, income, and property papers.

    • How is the loan amount decided?

      The loan size depends on future rent value, lease length, and tenant strength. Banks discount future rent to its value today, then offer around 70–80% of that sum. Higher rent and stable tenants often mean more funding. Property value matters too, but rent flows remain the main focus.

    • Where does the tenant pay rent?

      Tenants usually pay rent into a lender-approved account. The bank then removes the loan instalment from that rent and sends back the extra to the owner. This ensures safer repayment for lenders. It also helps landlords reduce personal payment stress while still receiving part of their monthly rent as surplus.

    • What lease period works best for LRD?

      A lease period of 7–15 years works well, as banks prefer long-term rental security. Tenure often matches the lease period, so repayments remain smooth and aligned. Longer leases offer better planning and stability. Banks gain trust when rent terms include fixed or rising rent, lock-in periods, and steady payment histories.

    • What lease period works best for LRD?

      A lease period of 7–15 years works well, as banks prefer long-term rental security. Tenure often matches the lease period, so repayments remain smooth and aligned. Longer leases offer better planning and stability. Banks gain trust when rent terms include fixed or rising rent, lock-in periods, and steady payment histories.

    • Can I use LRD money for any purpose?

      LRD funds are mostly used for business needs. Common uses include growth, working capital, buying new assets, or refinancing old, costly debt. The money is upfront and readily accessible. Many landlords choose LRD to avoid selling property or taking higher-cost loans, especially when rent can cover the repayments.

    • Do I lose property ownership in LRD?

      No, LRD does not transfer property ownership. The rent flows act as the main loan security. The owner continues holding the asset while rent services the loan. The bank may collect part of the rent for instalments, but the landlord remains the legal owner. This keeps long-term asset benefits intact for landlords.

    • What documents are needed for LRD?

      LRD paperwork includes identity proof, residence proof, age proof, income statements, bank statements with rent credits, property ownership papers, approved construction plans, lease deeds, tenant KYC (if asked), tax receipts, processing fee cheques, and extra NOCs if needed. All copies should be self-signed by the owner.

    • Is LRD better than a loan against property?

      LRD works better for commercial landlords with active leases and stable tenants. Loan size is based on the rent value today rather than only the market valuation. This often means higher funding with lower rates. Traditional loans suit more people but carry full payment pressure.

     

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    The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website.

    Manner of Use of Personal Information

    All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. Aditya Birla Capital is the brand and accordingly all products and facilities are provided by respective ABC Companies as applicable. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary.

    Except in the manner as stated in the Privacy Policy, the Website will not disclose your Personal Information with any affiliated or unaffiliated third parties,

    You may receive e-mails /communications/notifications from the Third Party Services Providers regarding facilities updates, information/promotional e-mails/SMS and/or update on new product announcements/services in such mode as permitted under law.

    Use of Website in India

    This Website is controlled and operated from India and there is no representation that the Materials/information are appropriate or will be available for use in other locations. If you use this Website from outside the India, you are entirely responsible for compliance with all applicable local laws. There is no warranty or representation that a user in one region may obtain the facilities of this website in another region.

    Information published on the Website may contain references or cross references to products, programs and facilities offered by ABC Companies/third parties that are not announced or available in your country. Such references do not imply that it is intended to announce such products, programs or facilities in your country. You may consult your local advisors for information regarding the products, programs and services that may be available to you.

    In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for goods and/or facilities, and any other term, condition, warranty or representation associated with such correspondence, purchase or promotion, is solely between you and the applicable ABC Companies and/or third parties.

    You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties.

    Third party websites

    This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

    USE of APP

    In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use.

    Postings and monitoring

    The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. However, in our efforts to promote good citizenship within the internet community, if the Facilities Provider or ABCL or ABC Companies becomes aware of inappropriate use of the Website or any of its facilities, any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and the Facilities Provider or ABC Companies shall not be liable or responsible for such public conversation. You agree that in such cases, we will respond in any way that, in our sole discretion, as deemed appropriate. You acknowledge that Facilities Provider or ABC Companies will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, ABC Companies/Facilities Provider will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the internet.

    Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You alone are responsible for your actions or the actions of any person using your user name and/or password. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.

    We reserve the right to terminate access to this Website at any time and without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms of Use. Upon termination, you must immediately destroy any downloaded and printed Materials.

    If you come across any breaches/violation or offensive material you must report to us at abc.secretarial@adityabirla.com

    Use of Cookies

    You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.  

    Facilities Changes and Discontinuation

    The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason.

    ABCL, ABC Companies, and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website.

    Compliance with the Law

    You agree that you will not:

    • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website.
    • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines generally available by third party web browsers
    • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities.
    • Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities.
    • You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

    Restrictions on Commercial Use or Resale

    Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In addition, the Website welcomes your feedback as a user of the facilities. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities.

    No Endorsements

    All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. The Website would require you to respect the same. References to any such names, marks, products or facilities of third parties or hypertext links to third party sites or information does not imply the Website’s endorsement, sponsorship or recommendation of the third party, information, product or facilities.

    Promotional Offers

    You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“Promotional Offers”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

    Charges for use of Website

    There are no charges or fees to be paid by you for use of this Website. However, you are responsible for all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the facilities provided by them through the Website (Additional Charges).

    No Endorsement

    You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to third party web sites. The Website makes no effort to review the content of these web sites, nor is the Website or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.

    In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen content, but that the Website will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the facilities.

    Electronic Communications

    These Terms of Use and any notices or other communications regarding the Facilities may be provided to you electronically, and you agree to receive communications from the Website in electronic form. Electronic communications may be posted on the Website and/or delivered to your registered email address, mobile phones etc either by Facilities Provider or ABC Companies with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities.

    Assignment

    You shall not assign your rights and obligations under this Agreement to any other party. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

    Legal Disclaimers

    The information provided on or through the Website is for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Any information may be prone to shortcomings, defects or inaccuracies due to technical reasons. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof.

    The information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. The information provided may therefore vary (significantly) from information obtained from other sources or other market participants. Any reference to past performance in the information should not be taken as an indication of future performance. The information is dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any information would construe ABCL/ABC Companies or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice.

    Nothing contained herein is to be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and Facilities Provider / ABCL/ABC Companies makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. However, any such information shall not be construed to represent that they belong or represent or are endorsed by the views of the Facilities Provider or ABC Companies. Any information provided or sourced from ABCL Affiliate belongs to them. ABCL is an independent entity and such information from any ABCL Affiliate are not in any manner intended or to be construed as being endorsed by ABCL or Facilities Provider. The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.

    No Solicitation

    No Information at this Website shall constitute an invitation to invest in ABCL or any ABC Companies. These are meant for general information only or to meet statutory requirements or disclosures. ABCL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or ABC Companies, or any other third party which may be engaged in offering of these services.

    The information contained on this Website does not represent and should not be used to construe (i) the terms on which a new transaction would be entered into by ABCL or ABC Companies, (ii) the terms on which any existing transactions could be unwound by ABCL or ABC Companies, (iii) the calculation or estimate of an  amount that would be payable following an early termination of any past/existing transactions or (iv) the valuations given to any transactions by ABCL or ABC Companies in their books of account for financial reporting, credit or risk management purposes.

    Statutory Disclosure

    ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ABML’), Aditya Birla Finance Limited (‘ABFL’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ABSLMF’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF.  Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.

    Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.

    Force Majeure

    The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

    Indemnification

    You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

    No Waiver

    The Facilities Provider, ABC Companies or any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

    Exclusive Agreement

    You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.

    Termination

    Either party can terminate this Agreement by notifying the other party in writing. Upon such termination You will not be able to use the facilities of this Website.

    Governing Law and Jurisdiction

    The Website specifically prohibits you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.

    These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.

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