LIC HOUSING FINANCE LTD -
LIC Housing Finance Limited
India’s leading housing finance company, trusted for over 35 years for home loan solutions tailored to your needs with competitive rates and a customer-first approach.
35+ Years of Trust
Affordable Interest Rates
Wide Range of Loan Products
Quick Approvals
Pan India Presence
LIC HFL At a Glance
Interest Rate
Starting from 8.35%*
Loan Amount
Up to 5 Crore
Tenure
Up to 30 Years
Processing Time
Quick & Hassle-free
*T&C Apply
Why Choose LIC Housing Finance?
Trusted Legacy
A trusted brand with over three decades of experience.
Competitive Rates
Attractive interest rates and flexible repayment options
Customer Centric
Tailloned solutions with transparent and hassle-free process
Wide Reach
Extensive network across India for your convenience.
Secure & Reliable
Backed by the strength and crediblity of the LIC Group
Loan Products Offered by LIC HFL
Home Loan Fulfill your dream of owning a home
Suitable For
- Purchase of Ready Property
- Under Construction Property
- Self Construction.
- Plot Construction
Key Features
- Competitive interest rates
- Loan up to eligible amount
- Repayment up to applicable tenure
- Balance Transfer available
- Top-up facility available
Eligibility
- Salarind
- Self-Employed/Professional
- Business Owner
Documents Required
- Identity Proof
- Address Proof
- Income Proof
- Bank Statements
- Property Documents
Home Loan Balance Transfer Transfer your existing home loan and save more
Suitable For
- Working Capital
- Business Expansion
- Inventory Purchase
- Day to Day Operations
Key Features
- Loan up to 25 Crore
- Interest rates starting from 11.49%*
- Flexible tenure up to 60 months.
- Quick approval in 24-48 hours*
- No collateral up to 250 Lakhs
Eligibility
- A Business Vintage: 1+ Year
- Minimum Annual Turnover: 10 Lakhs
- Minimum Annual Turnover:A Age: 21 to 65 Years10 Lakhs
Eligibility
- PAN Card, Aadhaar Card
- Business Bank Statements
- Documents Required
- Business Proof
Home Improvement Loan Finance for renovation, repair or extension of your home
Suitable For
- Working Capital
- Business Expansion
- Inventory Purchase
- Day to Day Operations
Key Features
- Loan up to 25 Crore
- Interest rates starting from 11.49%*
- Flexible tenure up to 60 months.
- Quick approval in 24-48 hours*
- No collateral up to 250 Lakhs
Eligibility
- A Business Vintage: 1+ Year
- Minimum Annual Turnover: 10 Lakhs
- Minimum Annual Turnover:A Age: 21 to 65 Years10 Lakhs
Eligibility
- PAN Card, Aadhaar Card
- Business Bank Statements
- Documents Required
- Business Proof
Loan Against Property Unlock the value of your property for higher financial needs
Suitable For
- Working Capital
- Business Expansion
- Inventory Purchase
- Day to Day Operations
Key Features
- Loan up to 25 Crore
- Interest rates starting from 11.49%*
- Flexible tenure up to 60 months.
- Quick approval in 24-48 hours*
- No collateral up to 250 Lakhs
Eligibility
- A Business Vintage: 1+ Year
- Minimum Annual Turnover: 10 Lakhs
- Minimum Annual Turnover:A Age: 21 to 65 Years10 Lakhs
Eligibility
- PAN Card, Aadhaar Card
- Business Bank Statements
- Documents Required
- Business Proof
Plot Loan Loan Finance for purchase of residential or commercial plots
Suitable For
- Working Capital
- Business Expansion
- Inventory Purchase
- Day to Day Operations
Key Features
- Loan up to 25 Crore
- Interest rates starting from 11.49%*
- Flexible tenure up to 60 months.
- Quick approval in 24-48 hours*
- No collateral up to 250 Lakhs
Eligibility
- A Business Vintage: 1+ Year
- Minimum Annual Turnover: 10 Lakhs
- Minimum Annual Turnover:A Age: 21 to 65 Years10 Lakhs
Eligibility
- PAN Card, Aadhaar Card
- Business Bank Statements
- Documents Required
- Business Proof
Key Features & Benefits
Low Interest Rates
Starting from 8.35% p.a.
High Loan Amount
Up to RS Crore
Long Tenure
Up to 30 Years
Flexible Repayment
EMI options that suit your needs
Minimal Documentation
Simple & transparent process
Tax Benefits
Save more with tax benefits up to 12 Lakh
*T&C Apply, Interest rates are subject to change as per lender policies.
Eligibility Criteria
Age
21 to 65 Years
Employment Type
Salaried/Self-Employed/Business
Minimum Income
25,000 per month (Salaried) 3 Lakh" per annum (Self-Employed/Business)
Credit Score
750 and above (Preferred)
CHECK YOUR ELIGIBILITY →
Documents Required
Identity Proof (PAN Card, Aadhaar Card)
Address Proof
Income Proof (Salary Slips/IT Returns)
Bank Statements (6 Months)
Form 16/IT Returns
Property Documents
VIEW DETAILED CHECKLIST →
Helpful Calculators
Frequently Asked Questions
What is the interest rate offered by LIC HFL?
The interest rate offered by LIC HFL may vary based on factors such as the applicant’s credit profile, loan amount, tenure, income, and applicable lending terms. The final interest rate is determined based on the applicant’s eligibility and LIC HFL’s prevailing policies.
What is the maximum loan amount I can get?
The maximum home loan amount depends on factors such as the applicant’s income, repayment capacity, credit profile, property value, existing financial obligations, and applicable LIC HFL eligibility criteria. The eligible amount is determined after evaluating the applicant’s overall profile.
What is the maximum tenure for a home loan?
The maximum home loan tenure can generally extend up to 30 years, subject to the applicant’s age, income, repayment capacity, loan amount, and applicable LIC HFL terms.
Can I transfer my existing home loan to LIC HFL?
Yes, eligible borrowers may transfer their existing home loan to LIC HFL through a Home Loan Balance Transfer, subject to LIC HFL’s eligibility criteria, documentation, property assessment, and approval process.
What documents are required for a home loan?
Commonly required documents include PAN Card, Aadhaar Card or other KYC documents, address proof, income proof, salary slips or business financial documents, recent bank statements, and relevant property documents. Additional documents may be required depending on the applicant’s profile and loan type.
Need help choosing the right loan?
Our experts are here to guide you.
