Below is a list of which bank gives highest loan-to-value home loan. The highest Loan-to-Value (LTV) ratio for home loans in India is typically up to 90%, and several banks offer this maximum financing depending on the property value and borrower profile.
Which Bank Provides the Highest Home Loan?
HDFC Bank: offers one of the highest LTV ratios in India. For properties valued up to Rs. 30 lakh, the bank can finance up to 90% of the property value, reducing the borrower’s upfront payment. For loans between Rs. 30 to Rs. 75 lakh the LTV is around 80%, while properties above Rs. 75 lakh generally qualify for 75% financing.
ICICI Bank: Also offers up to 90% funding for home loans, particularly for smaller loan amounts and strong borrower profiles. This makes it one of the top choices for first-time home buyers who want a lower down payment.
Canara Bank: Provides home loan financing of up to 90% of the property value for eligible borrowers purchasing new properties.
State Bank of India: Generally follows the standard LTV structure used by most banks, where loans above 80% LTV may attract slightly higher interest rates, but financing can still reach close to 90% for smaller property values.
Most Indian banks follow a common structure based on property value:
Up to Rs. 30 lakh: Up to 90% LTV
Rs. 30 lakh to Rs. 75 lakh: Up to 80% LTV
Above Rs. 75 lakh: Up to 75% LTV
These limits are aligned with regulatory guidelines and risk management practices used by lenders. The highest LTV home loans in India are usually up to 90%, offered by banks such as HDFC Bank, ICICI Bank, Canara Bank, and SBI, mainly for lower-value properties and borrowers with strong credit profiles.
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Which Bank Gives Highest Loan-To-Value Home Loan?
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2026-03-21T09:42:46+00:00 2026-03-31T09:34:59+00:00Comment
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