New Delhi, Sept. 24 -- For most Indians, a home is far more than a roof over their heads-it represents stability, security, and aspiration.

With the expansion of housing finance across income segments, more families have begun leveraging their property as collateral to gain access to credit. Though it can be an empowering step-unlocking lower interest rates and longer repayment tenures-it also carries one of the greatest financial risks: If repayments falter, the very home pledged as security can be repossessed.

Safeguarding your property in such situations requires more than optimism-it demands financial discipline, regulatory awareness, and careful planning.

The cushion of loan-to-value caps

The Reserve Bank of India (RBI) has long ...