A structured heavy-deposit tenancy where the deposit replaces monthly rent — documented, protected and released on agreed terms.
Calculate your Rent-Free depositSee the deposit for Option A and B, and what you save — right belowPay one large refundable deposit and no monthly rent. Option A: the landlord holds the deposit and returns it in full at the end. Option B: our partner NBFC holds and deploys it, pays the landlord the rent every month, and returns your deposit at the end. Change the numbers to see the deposit each option needs and what it really costs you.
Money leaving your account is negative, money coming back is positive. In both options you get the full deposit back.
| When | Normal renting | A · landlord holds | B · NBFC deploys |
|---|---|---|---|
| Day 1 | ₹0 | – | – |
| Each month | – | No rent | No rent |
| Lease end | ₹0 | – | – |
| Net cash out of pocket | – | ₹0 | ₹0 |
| Interest you could earn instead (after tax) | — | – | – |
| Refund in today’s money | — | – | – |
–
Cumulative cost to you. For normal renting it is the rent you pay. For A and B it is the after-tax return you give up by locking the deposit.
| Year | Rent / month | Rent / year | A · your cost | A · you save | B · your cost | B · you save | NBFC pays landlord |
|---|
Method: your cost = deposit × your return × (1 − tax slab), per year. Deposit A = average annual rent ÷ landlord’s return. Deposit B = average annual rent ÷ the partner NBFC’s net yield after losses, costs and margin. No compounding. Landlord tax, stamp duty and brokerage are not included. A planning model, not financial or legal advice.
Search properties explicitly offered under the Rent-Free structure.
Deposit amount, tenure, monthly rent and refund terms shown together.
A guided application that uses your verified Passport.
The offer is tied to a verified property and a verified owner.
Review the applicable agreement before you commit.
Track move-out, deductions, settlement and refund states.
Option A: the landlord holds the deposit. Option B: our partner NBFC holds and deploys it and pays the landlord the rent every month.
Sized so that the return on it covers the average rent over the lease — UNETRA’s model shows the number for both options.
Both sides see the deposit, the refund date and (for B) every monthly rent payment to the landlord.
The full deposit is returned at the end of the lease, after the move-out inspection.
Tenants
Landlords
Pays deposit or rent through UNETRA.
Collected via an authorised payment channel. Receipt issued.
Records the transaction against the agreement. UNETRA does not hold the funds.
Applicable regulated partner: bank, escrow or financial institution, as applicable to the product.
Both parties see every status change in real time.
Released according to the agreed terms and inspection outcome.
The exact structure depends on the partner behind this product. The partner’s name and terms are shown before you pay.
Yes. Rent-Free is UNETRA’s structured version of the heavy-deposit (lease) arrangement common in many cities — documented, registered and tracked, with a choice of who holds the deposit.
In Option A the landlord holds your deposit and must repay it in full at the end, so your risk is the landlord. In Option B our partner NBFC holds it and pays the landlord monthly rent, so the landlord never holds your money; the deposit needed depends on the NBFC’s terms.
Your cash nets to zero — you get the full deposit back. The real cost is the interest you would have earned on that money elsewhere, after tax. The model on this page shows it month by month.
In Option B the deposit is with an RBI-registered NBFC; NBFC deposits are not insured by DICGC. In Option A it is held by the landlord, secured by a registered agreement and, where agreed, a charge over the property.
