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Loan to Value Calculator

Calculate LTV ratio for home loans and find max loan amount.

What do you want to calculate?
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RBI / Typical lender LTV limits
Loan TypeMax LTVMin Down Payment
Home Loan ≤ ₹30 lakh90%10%
Home Loan ₹30–75 lakh80%20%
Home Loan > ₹75 lakh75%25%
Car Loan85%15%
Loan Against Property70%30%

Rows in red indicate your LTV exceeds that limit.

Why LTV matters when taking a home loan

The LTV ratio is one of the first numbers a bank checks when you apply for a home loan. It determines how much risk the lender takes on. A lower LTV (larger down payment) means less risk for the bank and usually translates to better interest rates and faster approval for the borrower.

How to use this calculator

  • Calculate LTV: Enter your loan amount and property value to see your LTV ratio and whether it falls within RBI limits.
  • Calculate max loan: Enter property value and desired LTV to see the maximum loan you can apply for.
  • Calculate required property value: Enter your loan amount and target LTV to find the minimum property value required.

LTV and property types

Different asset classes have different LTV norms. Residential property gets the highest LTV (up to 90% for small loans). Commercial property and loan against property (LAP) are capped at 60–70%. Vehicle loans can go up to 85%. Gold loans can reach up to 75% of the gold value as per RBI rules.

Frequently asked questions

What is LTV ratio?
Loan to Value (LTV) ratio is the percentage of a property or asset value that a lender is willing to finance. LTV = (Loan Amount ÷ Property Value) × 100. A 90% LTV on a ₹50 lakh property means the lender funds ₹45 lakh and you pay ₹5 lakh (10%) as a down payment.
What is the maximum LTV for home loans in India?
As per RBI guidelines: up to 90% LTV for home loans up to ₹30 lakh; up to 80% for loans between ₹30–75 lakh; and up to 75% for loans above ₹75 lakh. Higher LTV generally means stricter eligibility checks and may require mortgage insurance.
Why does a lower LTV benefit borrowers?
A lower LTV (larger down payment) typically leads to lower interest rates from lenders, easier loan approval, no requirement for private mortgage insurance, and lower total interest paid over the loan tenure. It also provides a buffer against property value decline.
What is a good LTV ratio?
75% or below is considered conservative and gives the best terms. 75–85% is moderate and acceptable to most lenders. Above 85% is high — some lenders may decline or charge a higher rate. Above 90% is available only for specific loan categories under ₹30 lakh.
How is LTV different from LCR?
LTV (Loan to Value) measures how much of an asset is financed by a loan. LCR (Loan Coverage Ratio) or DSCR (Debt Service Coverage Ratio) measures the ability to repay from income. Both are important: LTV determines how much you can borrow; DSCR determines if you can afford to repay it.

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