RBI/2015-16/200
DBR.BP.BC.No. 44/08.12.015/2015-16

October 8, 2015

All Scheduled Commercial Banks

Dear Sir,

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:

All other instructions contained in the circular mentioned above will remain unchanged.

Yours faithfully,

(Sudarshan Sen)
Principal Chief General Manager