LIC Housing Finance की नवीनतम ब्याज दरें - September 2026

LIC Housing Finance (LICHFL) Interest Rates & Retail Lending Schemes Overview

Quick Overview: Official real-time deposit interest rates and retail lending schemes from LIC Housing Finance (LICHFL), India's premier housing finance institution:

Key Deposit & Retail Lending Highlights:

• Public Deposits (Sanchay Deposit Scheme): As a Housing Finance Company (HFC), LICHFL does not accept demand/savings deposits; term public deposits start from 1 year. The 1-Year deposit rate stands at 6.70% p.a. (18 months at 6.85% p.a., 2 years at 6.95% p.a., and 3 years at 7.20% p.a.). Senior citizens receive an additional +0.25% concession across all eligible public deposit tenures.
• Home Loans (Housing Finance): Floating interest rates start from 7.15% p.a. linked to the LIC Housing Prime Lending Rate (LHPLR at 16.90%), featuring maximum repayment tenures up to 30 years, financing up to 90% LTV on eligible ticket sizes, and zero prepayment penalties.
• Retail Loan Schemes: As a specialized mortgage lender, LICHFL does not offer vehicle financing or standard credit cards. It provides Loan Against Property (LAP) and personal/consumer top-up facilities starting from 10.50% p.a. on a reducing balance basis.

💡 Financial Recommendation: Borrowers maintaining a CIBIL credit score of 750 or higher qualify for LIC Housing Finance's lowest risk-spread discount off LHPLR (starting at 7.15% p.a.) and benefit from fee waivers under seasonal campaigns.