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LTV Calculator

Estimate customer lifetime value.

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Estimate customer lifetime value. This dedicated page is built for fast, clean calculations and search visibility.

Enter your values, click calculate, and see the result instantly. The page uses a simple, focused layout to improve usability on mobile and desktop.

How to use this calculator

  1. Open the ltv calculator page.
  2. Enter the required values in the form fields.
  3. Click Calculate to see the result and breakdown.
  4. Use the related links to explore similar tools.
Results are estimates. For lending, taxes, trading, nutrition, or medical decisions, verify with a qualified professional.

LTV Calculator

Estimate customer lifetime value.

Result
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    What loan-to-value ratio means for borrowers

    LTV (Loan-to-Value) ratio is the percentage of a property's value that a lender is willing to finance. An 80% LTV on a ₹1 crore property means the maximum loan is ₹80 lakh; you must arrange the remaining ₹20 lakh as down payment. RBI sets LTV ceilings: 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh, 75% for above ₹75 lakh.

    LTV in different loan types

    • Home loans: 75–90% LTV depending on loan size (RBI regulated)
    • Loan against property (LAP): 60–70% LTV on current market value
    • Car loans: 80–100% LTV (some lenders finance 100% of ex-showroom price)
    • Gold loans: 75% LTV on hallmarked gold value (RBI regulated)

    If property values fall, a high LTV borrower can find themselves in negative equity — owing more than the property is worth. With a 20–25% down payment buffer, property values would need to fall 20%+ before you reach negative equity — a rare event in Indian urban markets. Lower LTV also reduces the total interest paid significantly over the loan tenure.

    Frequently asked questions

    What is the minimum down payment for a home loan in India?â–¼
    Per RBI guidelines: minimum 10% for loans up to ₹30 lakh (90% LTV), minimum 20% for loans ₹30–75 lakh (80% LTV), and minimum 25% for loans above ₹75 lakh (75% LTV). These are the regulatory maximums — you can always put down more. Note that these LTV ratios apply to the bank's assessed value, which may be lower than the actual transaction price.
    Can the bank value a property differently from the sale price?â–¼
    Yes, frequently. Banks use independent valuators who assess the property independently. If the bank values a ₹90 lakh flat at ₹80 lakh, the maximum loan (at 80% LTV) is ₹64 lakh — leaving you to fund ₹26 lakh, not ₹18 lakh. Always get a bank pre-approval or rough valuation before finalizing a purchase.
    Does LTV affect home loan interest rates?â–¼
    In principle, yes — lower LTV represents lower risk. In practice, most Indian banks don't officially price home loans differently based on LTV tier within standard ranges. The main benefit of lower LTV is reduced loan amount, lower EMI, and less total interest paid.
    What happens if I can't arrange the required down payment?â–¼
    You can't exceed RBI LTV limits for registered home loans. Options: PMAY credit-linked subsidy for eligible EWS/LIG/MIG categories, top-up loan from a different lender against other collateral, employer or family soft loan for the gap, or consider a cheaper property. Going through unregulated high-LTV channels carries significant risk.