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Free calculator

Margin loan-to-value calculator

See how collateral, haircut and loan combine into loan-to-value, how far prices can fall before a margin call, and what a client must top up.

Example values, change them

Broker-side illustration. Haircuts, limits and call levels are set by each licensed broker’s own margin policy, not by this tool.

Loan-to-value today

70.0%

Loan against Rs. 6,00,000 of collateral after haircut

0%Call at 80%100%

Collateral value that triggers a call
Rs. 8,75,000
Price fall that triggers a call
12.5%
LTV after a 15% fall
82.4%
Cash to repay to restore 70%
Rs. 63,000
Or extra collateral (market value)
Rs. 1,50,000

Estimates only, not financial, tax or investment advice; your contract note is final. Rates checked on 2 November 2026.

Method

How it is calculated

Eligible collateral

market value × (1 − haircut)

Loan-to-value

loan ÷ eligible collateral

Call trigger

collateral value at which LTV reaches the call level

= loan ÷ (call LTV × (1 − haircut))

Top-up

cash repaid so LTV returns to the restore level, or extra collateral at market value

Sources

Questions

Common questions

Who sets haircuts and call levels?
Each licensed broker's margin policy, within SEBON's rules. The numbers here are an illustration, not a regulatory figure.
Why is LTV measured after haircut?
The haircut is the safety margin on volatile collateral; lending against the discounted value is how the risk desk protects the loan.
How does LSNEP use this?
The LSNEP margin module revalues collateral on every price move and sends margin calls by app, SMS and email when a client crosses the call level.

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