Loan-to-Value Calculator

Loan-to-value (LTV) is the loan as a percentage of the value of what secures it. The RBI caps it to protect borrowers and banks: for home loans at 90%, 80% or 75%, and for gold loans at 85%, 80% or 75%, depending on loan size.

Loan against
Results update as you type.

Loan-to-value ratio

80%

within the RBI limit of 80%

Most RBI allows on this value
₹40,00,00090% / 80% / 75% by loan size
Your own contribution
₹10,00,00020%

About this calculator

Choose home or gold, enter the loan and the value, and see the LTV, the applicable limit and the most you could borrow.

How to use it

  1. Choose home or gold.
  2. Enter the loan amount and the value.
  3. Read the LTV and the RBI limit.

The formula

LTV = loan amount ÷ value × 100
loan amount
what you borrow
value
property value, or appraised value of gold

Worked example

₹40 lakh loan on a ₹50 lakh home

  1. LTV = 40 ÷ 50 × 100 = 80%.
  2. For a loan of ₹30–75 lakh the limit is 80%, so it is within the limit.

What the result means

A lower LTV usually means a better rate and easier approval.

Assumptions

  • RBI limits as in force in October 2026.

Limitations

  • Lenders may set lower limits of their own.

Frequently asked questions

What is the maximum LTV for a home loan?

90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh, and 75% above ₹75 lakh.

What is the maximum LTV for a gold loan?

From April 2026: 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, and 75% above.

Is stamp duty included in property value?

No, except for properties below ₹10 lakh.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.