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LTV Calculator
Result
Chart
Show formula & working
LTV = Loan ÷ Property value × 100
For individual housing loans RBI caps LTV at 90% for loans up to ₹30 lakh, 80% above ₹30 lakh up to ₹75 lakh and 75% above ₹75 lakh.Details
RBI loan-to-value ceilings for individual housing loans: rates and rules as of 01-Oct-2026 · Source: RBI (Commercial Banks – Credit Facilities) Directions, 2025 (updated as on 1 October 2026). Every figure based on it stays editable.
How this works
LTV shows how much of the property the lender is financing. The rest — plus stamp duty and registration — comes from you.
For a home loan, the ceiling depends on the size of the loan itself, so a slightly smaller loan can sometimes qualify for a higher LTV band.
Frequently asked questions
Are stamp duty and registration included in the property value?
No. For home loans, RBI requires lenders to exclude them (except for homes costing up to ₹10 lakh), so the loan cannot fund them.
Is the LTV on a loan against property regulated the same way?
No. The RBI ceilings here are for individual housing loans. For loans against property, lenders set their own LTV.
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