How to Check Double value is Null or Zero in kotlin

How to Check Double value is Null or Zero in kotlin

val ratio:Double? = 0.0

val calRatio = if (ratio == null || ratio == 0.0)
        0.12
    else
        ratio

ratio in null , 0.0 , 0.1

if ratio null or 0.0 then return 0.12

and ratio is 0.2 or more then return same ratio value

how to check this algorithm not use if statement