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Finance Calculators

Loan to Value Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
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₹
Verified formula Private

Loan-to-value ratio

80.00%

Your equity / down payment
₹10,00,000

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Loan to Value Calculator

The Loan to Value Calculator works out your loan-to-value ratio, along with 1 related figure in an instant. Enter loan amount and property / asset value and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the loan amount.
  2. Enter the property / asset value.
  3. Read off your loan-to-value ratio, together with your equity / down payment — the calculator updates automatically, with no button to press.

Formula

The Loan to Value Calculator uses the formula:

Loan-to-value ratio = Loan amount ÷ Property ÷ asset value × 100

Worked example

For example, with loan amount of ₹4,000,000 and property / asset value of ₹5,000,000, the loan-to-value ratio is 80.00%.

Inputs used
Loan amount ₹4,000,000
Property / asset value ₹5,000,000
Results
Loan-to-value ratio 80.00%
Your equity / down payment ₹10,00,000

Results are estimates for educational use, not professional advice.

Key terms explained

Down payment
The upfront portion of a purchase price you pay yourself, with the rest financed by a loan.
Loan to value
The loan amount as a percentage of the asset value (LTV) — a key risk measure for lenders.
Ratio
A comparison of two quantities showing how many times one contains the other.

Frequently asked questions

LTV is the loan amount as a percentage of the property's value. A 40,00,000 loan on a 50,00,000 property is an 80% LTV.

A lower LTV means more of your own money is in the asset, which lenders see as less risky. It can unlock better interest rates and easier approval.

It depends on the lender and loan, but many home loans cap LTV around 75–90%. A larger down payment lowers your LTV.

Equity is the part of the value you own outright, which is the value minus the loan. As you repay the loan, your LTV falls and your equity rises.

The Loan to Value Calculator uses the formula: Loan-to-value ratio = Loan amount ÷ Property ÷ asset value × 100. For example, with loan amount of ₹4,000,000 and property / asset value of ₹5,000,000, the loan-to-value ratio is 80.00%.

Enter the loan amount. Enter the property / asset value. Read off your loan-to-value ratio, together with your equity / down payment — the calculator updates automatically, with no button to press.

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