A reference voltage generation circuit for generating a reference voltage that can adaptively depend on temperature and process includes: a comparator, having a process, temperature and voltage (PVT) insensitive reference as a first input, and a feedback of the output as a second input, for generating a voltage reference output; a first resistor, coupled to the output of the operational amplifier; a second and a third variable resistor coupled in parallel, and coupled between the first resistor and ground; and a transistor, coupled between the third variable resistor and ground.