2025–2026 RBI & Tax Compliant
Loan-to-Value (LTV) Calculator
Calculate your LTV ratio, verify RBI regulatory compliance, and determine required equity contribution.
Input Parameters
₹6,000,000
₹
₹4,500,000
₹
ESTIMATED RESULT
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Updated dynamically
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Download on Google PlayCurrent Home Loan Rates in India (2026)
Compare live floating home loan interest rates and processing fees from top Indian lenders:
| Bank / Lender | Interest Rate (% p.a.) | Processing Fee |
|---|---|---|
| State Bank of India (SBI) | 8.50% – 9.65% | 0.35% of loan amount (Min ₹2,000, Max ₹10,000) + GST |
| HDFC Bank | 8.70% – 9.80% | 0.50% of loan amount or ₹3,000 (whichever is higher) + GST |
| ICICI Bank | 8.75% – 9.75% | 0.50% - 1.00% of loan amount + GST |
| Axis Bank | 8.75% – 9.65% | Up to 1% of loan amount (Min ₹10,000) + GST |
| Bank of Baroda | 8.40% – 10.60% | NIL (under festive offer) / 0.25% + GST |
| Punjab National Bank (PNB) | 8.45% – 10.25% | 0.35% of loan amount (Min ₹2,500, Max ₹15,000) + GST |
Frequently Asked Questions
Up to ₹30 Lakh loan: max 90% LTV; ₹30L to ₹75L loan: max 80% LTV; Above ₹75 Lakh loan: max 75% LTV.