LIC Housing Finance Limited
LIC Housing Finance Limited (LIC HFL) is one of India's largest housing finance companies, operating as a subsidiary of the Life Insurance Corporation of India (LIC). Headquartered in Mumbai, it provides long-term financing for purchasing, constructing, and renovating residential houses or flats.
LIC Housing Finance Limited (LIC HFL) is one of India's largest housing finance companies, established in 1989 as a subsidiary of the Life Insurance Corporation of India (LIC). It is primarily focused on providing long-term financing for the purchase, construction, repair, and renovation of houses or flats.
Home Loan Details (April 2026)
As of April 2026, LIC HFL offers some of the most competitive rates in the market, heavily influenced by the applicant's CIBIL score:
|
Applicant Type |
CIBIL Score |
Interest Rate (p.a.) |
|---|---|---|
|
Salaried |
≥ 825 |
Starting from 7.15% |
|
Salaried |
750 – 824 |
7.25% – 7.55% |
|
Self-Employed |
≥ 825 |
Starting from 7.25% |
|
General Range |
< 700 |
8.00% – 10.50% |
- Max Tenure: Up to 30 years (or up to 80 years of age for those with pension benefits under the Griha Varishtha scheme).
- Processing Fees: Generally 0% to 0.50% of the loan amount (capped at specific amounts like ₹20,000 + GST for larger loans).
Key Products & Services
- Home Loans: For individuals (resident and NRIs) to buy or build homes.
- Griha Siddhi: A specialized scheme for construction, purchase, or repair with flexible repayment options.
- Plot Loans: For the purchase of residential plots.
- Home Extension/Renovation: Specific funding for adding rooms or upgrading existing property.
- Loan Against Property (LAP): Financing against existing residential or commercial property for personal or business needs.
- Public Deposits: "Sanchay" fixed deposit schemes for individual and corporate investors.
Financial Market Snapshot
- Stock Symbol: LICHSGFIN (NSE/BSE)
- Current Price: Approximately ₹540 – ₹545 (as of April 24, 2026).
- Market Cap: ~₹30,000 Crore.
- Performance: The stock has seen a recent recovery, gaining over 20% in the last month, though it remains slightly down on a yearly basis.
Contact & Support
- Registered Office: Mumbai, Maharashtra.
- Customer Support Email: customersupport@lichousing.com
- Helpline: +91-22-68276827
- Local Presence: In Gujarat, major offices are located in Ahmedabad (Usmanpura), Surat, Gandhinagar, and Rajkot. You can find your nearest branch using the "Branch Locator" on their official website.
LIC HFL home loan interest rates start from 7.15% p.a. for salaried individuals with a CIBIL score of 825 and above for loans up to ₹5 crore. Rates are tiered based on credit score, loan amount, and employment type, with higher rates for lower scores. Terms extend up to 30 years, with 0% to 0.50% processing fees