Asset Valuation Engine 2026

LIC Multi-Asset Loan Value & LTV Calculator

Evaluate borrowing limits across your investment portfolio. Compare regulatory LTV ceilings for LIC insurance policies, gold (SGB), equity mutual funds, plots, and residential/commercial real estate instantly.

Multi-Asset Modeler: Evaluates policies, real estate, gold, and mutual funds

Regulatory LTV Enforcement: Aligned with RBI collateral safety ceilings

Sleek Asset Selectors: Easily switch asset classes and valuation limits

Upfront Reserve Visuals: High-contrast indicators for eligible loan and margin reserves

Asset Rules Summary: Practical summaries of ownership and lien requirements

Collateral Inputs

Provide asset category and market valuation.

Collateral Asset Category

Estimated Asset Value (₹)₹10,00,000

Borrowing Valuation Limit

Maximum Borrowing Cap

₹9,00,000

Based on a Loan-To-Value (LTV) limit of 90%.

Required Margin:10%

Borrower Contribution:₹1,00,000

Asset Funding Split100%

Loan (90%)

Margin (10%)

Asset Valuation ParameterRules & Standards

LTV Scheme Category:LIC Policy Surrender Value Collateral

Reference Interest Rate:9.50% p.a. (compounded half-yearly)

Required Down Payment:₹1,00,000

What is LTV?

Loan-to-Value (LTV) is the percentage of the collateral value that can be financed via debt. Regulators enforce lower LTV caps for volatile assets (e.g. 50% for equity/shares) to shield institutions from asset price corrections, and higher LTV caps for secure, non-volatile assets (e.g. 90% for sovereign insurance reserves).

Collateralized Borrowing: LTV Ceilings & Regulatory Safety

Secured borrowing, or **Loan Against Securities/Property**, is a highly efficient way to unlock liquidity without selling your long-term assets. By pledging collateral, you can obtain competitive interest rates. To manage market volatility, the Reserve Bank of India (RBI) and lenders enforce strict **Loan-to-Value (LTV)** limits on each asset class.

Overview of Asset LTV Ceilings (2026 Guidelines)

Each asset class features a specific LTV cap reflecting its underlying price volatility:

Asset Category	LTV Limit (Ceiling)	Volatility & Lien Rules
LIC Insurance Policy	90% of Surrender Value	Low volatility. Assignment of policy registered in favor of LIC.
Sovereign Gold Bonds (SGB)	75% of Market Value	Moderate volatility. Lien marked through demat depository.
Residential Property	60% of Market Value	Illiquid asset. Physical mortgage deed registered.
Equity Mutual Funds	50% of NAV	High volatility. Online lien marking with registrar (CAMS/Karvy).

Understanding the Security Margin Call

For volatile assets like equity mutual funds, if the market value of your collateral declines significantly:

If your outstanding loan amount exceeds the asset LTV limit due to market corrections, the lender will trigger a **Margin Call**. You will be required to pledge additional assets or pay down a portion of the principal within 7 to 10 days to restore the required LTV ratio.

Frequently Asked Questions (FAQs)

Can I still earn dividends or interest on pledged assets?

Yes, any dividends, bonuses, or interest generated by mutual funds or gold bonds will continue to credit directly to your bank account or demat portfolio. Pledging only restricts your ability to sell the assets.

How is a pledged asset released once the loan is fully repaid?

Upon full repayment of the principal and accrued interest, the lender issues a No Objection Certificate (NOC) and initiates a request to the depository or registrar to remove the lien, typically completed within 3 to 5 business days.

Compare LIC Loan & Repayment Calculators 2026

Check your policy loan limit, plan monthly EMIs, calculate compounding loan interest rates, or project late payment fee grace period thresholds.

Home Loan

Home Loan EMI Calculator

Assess monthly EMI installments, total interest, and view full amortization schedule for LIC Housing Finance.

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Eligibility

Home Loan Eligibility Check

Check your maximum eligible home loan amount based on monthly income, liabilities, age, and term.

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Policy Loan

Policy Loan Limit Estimator

Estimate the maximum loan limit available as collateral against your active LIC policy's surrender value.

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Policy Loan EMI Calculator

Calculate monthly interest repayments or principal payment breakdowns for loans secured by LIC policy values.

Loan Interest Calculator

Compute simple or compounding interest accrued over time on outstanding loans secured by LIC policies.

Late Fee & Penalty Calculator

Estimate late payment interest and GST penalties on overdue LIC policy premiums or loan installments.

Personal Loan Calculator

Model reducing balance EMI, FOIR eligibility restrictions, and CIBIL score tier mapping.

Mortgage Loan Calculator

Calculate Loan Against Property (LAP) limits based on commercial or residential real estate value.

Plot Loan Calculator

Analyze plot acquisition loans, maximum LTV parameters, and construction timeline milestones.

Home Loan Prepayment Calculator

Evaluate tenure and interest savings by adding lump-sum or extra monthly prepayments.

HFL EMI Calculator

Simulate LIC HFL EMI schedules tailored to specific schemes like Griha Suvidha and Griha Varishtha.

HFL Interest Sensitivity Calculator

Analyze how small rate hikes trigger the 5-year interest trap, ballooning your tenure.

Loan Against Policy Calculator

Calculate policy surrender value multiplier and maximum 90% LTV borrow limit rules.

Loan Interest Comparison Calculator

Compare monthly reducing balance vs flat rates and half-yearly compounded policy rates.

Mortgage EMI & Insurance Calculator

Include capitalized mortgage insurance premiums inside your total mortgage loan EMI.

Property Joint Eligibility Calculator

Analyze joint applicant eligibility, combining net salaries under a unified FOIR margin.

Loan Against Bonds Calculator

Borrow against Sovereign Gold Bonds (SGB), LIC bonds, or government securities with 75% LTV.