Cash with other banks = 20% Other investments = 100 % Loan guaranteed by govt = 0% Home Loan Up to Rs.30 lakh (LTV≤ 80%) = 0.25% Up to Rs.30 lakh (LTV> 80% and ≤ 90%) = 50% Above Rs.30 lakh and up to Rs.75 lakh (LTV≤ 80) = 50% Premises = 100% Guarantee and other obligations = 50% Acceptances, endorsements and letter of credit = 20%