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Loan-to-Value (LTV) Ratio

A financial proportion comparing the size of a loan to the appraised market value of the securing asset.

A financial proportion comparing the size of a loan to the appraised market value of the securing asset.

Indian market example

The RBI caps the maximum LTV ratio for gold loans and housing finance to protect commercial lenders from default shocks.

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S Harish ChandanSEBI Registered Research Analyst

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