Question: I took a gold loan of ₹4,00,000 against jewellery valued at ₹5,00,000, under an agreement capping the loan-to-value ratio at 75%. Gold prices have since fallen, and my jewellery is now valued at only ₹4,20,000. How much extra margin (in rupees) will I need to bring in to stay within the 75% LTV cap?
Answer: Approximately ₹85,000 must be brought in (either as loan repayment or additional gold collateral).

Supporting evidence:
title: Inline formula / method note
quote: Standard loan-to-value (LTV) ratio computation — collateral-based lending mathematics
context: Standard loan-to-value (LTV) ratio computation — collateral-based lending mathematics.