EmiSetu

LTV Calculator

Calculate your loan-to-value ratio and find out how much a bank will lend you for a property purchase based on RBI-mandated LTV slabs. See exactly how much down payment you need.

Property details

Property value
Your down payment
Property value
₹60.00 L
Down payment
₹12.00 L
Loan amount
₹48.00 L
Down payment %
20.0%
Loan-to-Value Ratio
80.0%
0%75%85%100%
Acceptable — approaching RBI limit
Loan Amount
₹48.00 L
₹48,00,000 — property value minus down payment
Max Eligible Loan (RBI)
₹48.00 L
80% LTV for loan in ₹30 lakh – ₹75 lakh slab
Min Down Payment Required
₹12.00 L
At least 20% of property value per RBI norms
RBI LTV Slabs (as per RBI Master Circular on Housing Finance)
Loan AmountMax LTVMin Down PaymentApplies to You
≤ ₹30 lakh90%10%—
₹30 lakh – ₹75 lakh80%20%Your slab
> ₹75 lakh75%25%—

Banks may apply stricter LTV ratios for certain property types (under-construction, plots, commercial), borrower profiles, or geographic locations. The figures above reflect RBI guidelines for standard residential properties. Always verify with your lender. Once you know your eligible loan amount, use the home loan EMI calculator to compute your monthly payment.

How LTV is calculated

Loan-to-Value (LTV) ratio is the percentage of the property value that the bank finances. A higher LTV means you borrow more and put down less — but banks cap it to limit their credit risk.

LTV% = (Loan Amount ÷ Property Value) × 100

RBI mandates the maximum LTV through its Master Circular on Housing Finance, updated periodically. The current slabs — 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh, and 75% for loans above ₹75 lakh — have been in effect since 2015. These are upper limits; individual lenders may apply stricter caps. Use the loan eligibility calculator to see how your income affects how much you can actually borrow within these LTV limits.

Frequently Asked Questions

What is LTV ratio in a home loan?
LTV (Loan-to-Value) is the percentage of the property's value that the bank will finance. If a property is worth ₹60 lakh and the bank sanctions ₹48 lakh, the LTV is 80%. The remaining 20% (₹12 lakh) is your down payment. RBI sets the maximum permissible LTV for banks to limit their credit exposure.
What are the RBI LTV norms for home loans in 2026?
RBI's current LTV norms (in effect since 2015 and reaffirmed in subsequent Master Circulars): loans up to ₹30 lakh → maximum 90% LTV (10% down payment); loans between ₹30 lakh and ₹75 lakh → maximum 80% LTV (20% down payment); loans above ₹75 lakh → maximum 75% LTV (25% down payment). These are upper limits — individual banks may be stricter.
Does the LTV slab apply to the loan amount or the property value?
The slab is applied based on the loan amount (not the property value). So if the property costs ₹80 lakh but you plan to borrow only ₹60 lakh, the applicable slab is ₹30–75 lakh (80% LTV), not the ₹75 lakh+ slab. Always calculate LTV on the actual loan you need.
Can I get a higher LTV than the RBI maximum?
No. RBI LTV norms are regulatory ceilings that all scheduled commercial banks and housing finance companies must comply with. Lenders cannot exceed these limits regardless of your creditworthiness. However, in practice many lenders apply stricter caps — especially for under-construction properties, resale flats in certain areas, or borrowers with a lower CIBIL score.
How does LTV affect my home loan eligibility?
LTV determines the maximum loan the bank will sanction against a given property. But your actual eligibility is also constrained by your income (FOIR). The binding limit is whichever is lower — the LTV ceiling or the income-based eligible loan amount. For example, if the LTV cap allows ₹48 lakh but your income only supports ₹40 lakh, the bank will sanction ₹40 lakh.

Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.