What is the maximum LTV allowed by RBI for home loans?

In India, RBI mandates maximum LTV caps: up to 90% for home loans up to ₹30 lakh, up to 80% for loans between ₹30 lakh and ₹75 lakh, and up to 75% for loans above ₹75 lakh.

Loan-to-Value (LTV) Calculator

Loan Details

Loan Amount

₹

Property / Asset Value

₹

Your LTV Ratio

0.00%

Enter details to see LTV ratio.

Loan Amount

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Asset Value

₹0

Guide & Methodology

About the Loan-to-Value (LTV) Ratio Calculator

Determine the ratio between a borrowed loan amount and the appraised property or asset value to evaluate down payment requirements.

What this calculator does

Calculates your LTV percentage for mortgages and vehicle loans.
Determines whether you meet RBI or banking regulatory thresholds.
Shows the equity buffer and minimum down payment required.

How it Works & Key Inputs

Step 1

Appraised Asset Value

Enter property valuation or vehicle invoice cost.

Step 2

Loan Amount

Enter the principal sum requested from the lender.

Core Calculation Parameters

Loan AmountTotal credit extended.

Property ValueFair appraised market value of the collateral.

Formula & Calculation Logic

Mathematical Model

LTV (%) = (Loan Amount / Appraised Property Value) × 100

Collateral risk assessment ratio.

Variables Breakdown

LTVLoan-to-Value ratio expressed as a percentage

Frequently Asked Questions (FAQ)

Disclaimer: This calculator is provided for educational and illustrative purposes only. Actual financial outcomes may vary based on statutory changes, lender terms, fund fees, and prevailing market dynamics.