Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios
Please refer to paragraph 4 of the circular DBOD.BP.BC.No.104/08.12.015/2012-13 dated June 21, 2013 on ‘Housing Sector: New Sub-sector CRE (Residential Housing) within CRE & Rationalisation of Provisioning, Risk-weight and LTV Ratios’, wherein the LTV ratios and risk weights for individual housing loans were prescribed. On a review, it has been decided to fix the Loan to Value (LTV) ratios and risk weights for individual housing loans as under:
Category of loan
LTV ratio (%)
Risk Weight (%)
Upto ₹ 30 lakh
≤ 80
35
> 80 and ≤ 90
50
Above ₹ 30 lakh and upto ₹ 75 lakh
≤ 75
35
> 75 and ≤ 80
50
Above ₹ 75 lakh
≤ 75
75
All other instructions contained in the circular mentioned above will remain unchanged.
Yours faithfully,
(Sudarshan Sen) Principal Chief General Manager
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