Notification Detail :
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:
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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