RBI Circular No: RBI/2016-17/317 (07-Jun-17) Individual Housing Loans: Rationalisation of Risk-Weights and Loan to Value (LTV) Ratios
DBR.BP.BC.No.72/08.12.015/2016-17
All Commercial Banks
(Excluding Regional Rural Banks and Local Area Banks)
Madam/Dear Sir,
Individual Housing Loans: Rationalisation of Risk-Weights and Loan to Value (LTV) Ratios
Please refer to the Second Bi-monthly Monetary Policy Statement for 2017-18, announced today.
2. As a countercyclical measure, the LTV ratios, risk weights and standard asset provisioning rate for individual housing loans sanctioned on or after the date of this circular shall be as under:
| Outstanding loan | LTV ratio (%) | Risk Weight |
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