Notifications

(387 kb)
Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios

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


2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Archives
Server 214
Top