Rules3 min read · Updated 17 October 2026
Loan-to-value (LTV) and down payment: how much you must put in
RBI caps a home loan at 90%, 80% or 75% of the property value depending on loan size. What that means for your down payment, with a table for common prices.
The limits
The loan-to-value ratio is the loan as a share of the property value. RBI's limits for home loans from banks and housing finance companies depend on the size of the loan: up to ₹30 lakh, 90%; ₹30 lakh to ₹75 lakh, 80%; above ₹75 lakh, 75%. Lenders may offer less based on your credit risk and the property.
The most you could borrow, by property price
| Property price | Highest loan | Minimum down payment |
|---|---|---|
| ₹30 lakh | ₹27 lakh | ₹3 lakh |
| ₹40 lakh | ₹32 lakh | ₹8 lakh |
| ₹60 lakh | ₹48 lakh | ₹12 lakh |
| ₹80 lakh | ₹64 lakh | ₹16 lakh |
| ₹100 lakh | ₹75 lakh | ₹25 lakh |
| ₹150 lakh | ₹112.5 lakh | ₹37.5 lakh |
These apply the slabs above to each price. They do not include stamp duty and registration, which vary by state and which lenders usually do not finance.
Why it matters
The limit sets the cash you need on the day. It also changes the cost: a bigger down payment means a smaller loan and less interest. If you are near a slab line, ask your lender how it applies the limit to your case.
Plan the cash
- Down payment, as above.
- Stamp duty and registration, which vary by state.
- Processing and legal fees. See charges to check.
- Moving, furnishing and an emergency fund.
Use Can I afford a home? to test the whole picture.
Common questions
What is the LTV ratio for a home loan in India?
RBI limits are 90% for loans up to ₹30 lakh, 80% for ₹30 to 75 lakh, and 75% above ₹75 lakh, as a share of the property value.
Can I get a 100% home loan?
Not within these limits. You must fund the remaining share yourself, plus stamp duty and registration.
Do lenders finance stamp duty?
Usually not. Plan to pay it from your own money.