LIC Housing Finance Home Loan Interest Rates @8.50% p.a.| Updated 2025

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LIC Housing Finance understands that property ownership serves two vital functions: securing a comfortable home and enabling a promising investment.

By financing up to 90% of your property’s cost, LIC home loan interest rates start at 8.50% p.a., LIC provides a reliable, convenient path to homeownership—equally appealing to residents and investors alike.

LIC Housing Finance Home Loan Interest Rates by Employment

Home loan interest rates are based on whether you’re salaried, self-employed, or have a professional practice.

Below is a quick look at how your employment type can influence your rate.

LIC Housing Finance Home Loan Interest Rates for Salaried Employees

CIBIL Score	Home Loan Interest Rates
800 +	8.50% p.a. – 8.75% p.a.
775 – 799	8.60% p.a. – 8.75% p.a.
750 – 774	8.65% p.a. – 8.80% p.a.
725 – 729	8.65% p.a. – 8.80% p.a.
700 – 724	8.90% p.a. – 9.05% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.
Less than 600	10.00% p.a. – 10.40% p.a.
150 -200	8.75% p.a.
199 – 149	9.25% p.a.

LIC Housing Finance Home Loan Interest Rates for Self-Employed

CIBIL Score	Home Loan Interest Rates
800 +	8.75% p.a. – 9.00% p.a.
775 – 799	8.85% p.a. – 9.00% p.a.
750 – 774	8.90% p.a. – 8.95% p.a.
725 – 729	8.90% p.a. – 8.95% p.a.
700 – 724	9.15% p.a. – 9.30% p.a.
600 – 699	9.65% p.a. – 10.00% p.a.
Less than 600	10.10% p.a. – 10.50% p.a.

Data Source: Check LIC Home Loan for all details on their official website.

LIC Housing Finance All Schemes Home Loan Interest Rates

LIC Housing Finance offers multiple home loan schemes, each with its interest rate structure and features.

Here’s an overview of the current rates for various LIC Housing Finance schemes.

Home Loan Type	Home Loan Interest Rates
Home Purchase Loan	8.50% p.a. – 10.40% p.a.
Griha Suvidha Home Loan	8.75% p.a. – 10.65% p.a.
Home Loan for Pensioners	8.50% p.a. – 10.40% p.a.
Home Renovation Loan	8.65% p.a. – 10.40% p.a.
Home Extension Loan	8.65% p.a. – 10.40% p.a.
Plot Loan	8.70% p.a. – 10.10% p.a.
Home Construction Loan	8.65% p.a. – 10.40% p.a.
Home Loan for NRI	8.65% p.a. – 10.40% p.a.
Home Loan Balance Transfer	8.65% p.a. – 10.40% p.a.
Advantage Plus	8.65% p.a. – 10.40% p.a.
Home Loan Top Up	9.70% p.a. – 11.55% p.a.

All Schemes Offered by LIC Housing Finance: A Detailed Overview

LIC Housing Finance has a range of home loan schemes catering to diverse needs, from ready-to-move properties to under-construction projects. Read on to find the best fit for your housing requirements.

LIC Housing Finance Griha Suvidha Home Loan Interest Rates

Key highlights of Griha Suvidha loan from LIC Housing Finance:

Designed to help more individuals purchase their own homes
No age restrictions
No income type restrictions
Supported by a mortgage guarantee for extra security
Accessible to families who may not qualify for other loans

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.75% p.a. onwards	9.00% p.a.
775 – 799	8.85% p.a. – 9.00% p.a.	9.10% p.a. – 9.25% p.a.
750 – 774	8.90% p.a. – 9.05% p.a.	9.15% p.a. – 9.30% p.a.
725 – 749	9.05% p.a. – 9.20% p.a.	9.30% p.a. – 9.45% p.a.
700 – 724	9.15% p.a. – 9.30% p.a.	9.40% p.a. – 9.55% p.a.
600 – 699	9.80% p.a. – 10.15% p.a.	9.90% p.a. – 10.25% p.a.
< 600	10.25% p.a. – 10.65% p.a.	10.35% p.a. – 10.75% p.a.
150 – 200	9.00% p.a. onwards	9.10% p.a. onwards
100 – 150	9.50% p.a. onwards	9.60% p.a. onwards
Sure Fixed Scheme	–	–

LIC Housing Finance Home Loan for Pensioners Interest Rates

Key highlights of pensioner home loans from LIC Housing Finance:

Tailored for pensioners and salaried individuals
Flexible loan terms up to 30 years or until age 80, whichever is earlier
Requires a joint applicant spouse, regardless of property ownership
Children can join as co-applicants to extend loan terms and increase eligible amounts

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.50% p.a. – 8.75% p.a.	8.75% p.a. – 9.00% p.a.
775 – 799	8.60% p.a. – 8.75% p.a.	8.85% p.a. – 9.00% p.a.
750 – 774	8.65% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
725 – 749	–	–
700 – 724	8.90% p.a. – 9.05% p.a.	9.15% p.a. – 9.30% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.	9.65% p.a. – 10.00% p.a.
< 600	10.00% p.a. – 10.40% p.a.	10.10% p.a. – 10.50% p.a.
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	–

LIC Housing Finance Home Renovation Loan Interest Rates

Key highlights of home renovation loans from LIC Housing Finance:

Available for both new and existing customers
Facilitates home renovation and improvement projects
Features quick sanction, low EMIs, and competitive interest rates
Simplified documentation process

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	–	–
775 – 799	–	–
750 – 774	8.65% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
725 – 749	–	–
700 – 724	8.90% p.a. – 9.05% p.a.	9.15% p.a. – 9.30% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.	9.65% p.a. – 10.00% p.a.
< 600	10.00% p.a. – 10.40% p.a.	10.10% p.a. – 10.50% p.a.
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	–

LIC Housing Finance Home Loan Top-Up Interest Rates

Key highlights of top-up loans from LIC Housing Finance:

Allows increase of existing home loan amounts
Available to current customers and those switching to LIC Housing Finance
Fast approval process with affordable monthly payments
Minimal paperwork required
Loan amount based on repayment capacity, LTV, and outstanding loan

CIBIL Score	Interest Rates
>= 750	9.70% p.a. onwards
750 – 700	10.30% p.a. onwards
700 – 600	11.55% p.a. onwards

LIC Housing Finance Home Extension Loan Interest Rates

Key highlights of home extension loan from LIC Housing Finance:

Supports expansion of living spaces
Accessible to both new and existing customers
Offers quick sanction, low EMIs, and competitive interest rates
Easy and straightforward documentation

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	–	–
775 – 799	–	–
750 – 774	8.70% p.a. – 8.95% p.a.	8.95% p.a. – 9.20% p.a.
725 – 749	–	9.25% p.a. – 9.40% p.a.
700 – 724	8.90% p.a. – 9.05% p.a.	9.35% p.a. – 9.50% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.	9.85% p.a. – 10.20% p.a.
< 600	10.00% p.a. – 10.40% p.a.	–
150 – 200	8.75% p.a. onwards	9.05% p.a. onwards
100 – 150	9.25% p.a. onwards	9.55% p.a. onwards
Sure Fixed Scheme	–	–

LIC Housing Finance Plot Loan Interest Rates

Key highlights of plot loans from LIC Housing Finance:

Enables purchase of residential plots for building dream homes
Competitive interest rates and a simple application process
Types of Plot Loans:
- Plot Loan
  - For purchasing residential plots from government bodies, authorities, or approved layouts
  - Maximum loan amount up to 75% of property value
  - Tenure up to 15 years
- Composite Loan
  - For purchasing a plot and constructing a house within 3 years
  - Maximum loan amount as per eligibility criteria
  - Tenure up to 30 years

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.70% p.a. – 8.95% p.a.	8.95% p.a. – 9.20% p.a.
775 – 799	8.80% p.a. – 8.95% p.a.	9.05% p.a. – 9.20% p.a.
750 – 774	8.85% p.a. – 9.00% p.a.	9.10% p.a. – 9.25% p.a.
725 – 749	9.00% p.a. – 9.15% p.a.	9.25% p.a. – 9.40% p.a.
700 – 724	9.10% p.a. – 9.25% p.a.	9.35% p.a. – 9.50% p.a.
600 – 699	9.75% p.a. – 10.10% p.a.	9.85% p.a. – 10.20% p.a.
< 600	–	–
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	10.00% p.a. – 10.25% p.a.

LIC Housing Finance Home Construction Loan Interest Rates

Key highlights of home construction loans from LIC Housing Finance:

Finances the construction of new homes
Features online sanction facility and quick approval
Offers low EMIs and competitive interest rates
Simple documentation process
Available to both existing and new customers

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	–	–
775 – 799	–	–
750 – 774	8.65% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
725 – 749	–	–
700 – 724	8.90% p.a. – 9.05% p.a.	9.15% p.a. – 9.30% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.	9.65% p.a. – 10.00% p.a.
< 600	–	–
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	–	–

LIC Housing Finance Home Loan for NRIs Interest Rates

Key highlights of NRI loans from LIC Housing Finance:

Designed for Non-Resident Indians to purchase, construct, or renovate properties in India
Competitive interest rates with no prepayment penalty
Customizable loan options based on eligibility

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.50% p.a. – 8.75% p.a.	8.75% p.a. – 9.00% p.a.
775 – 799	8.80% p.a. – 8.95% p.a.	9.05% p.a. – 9.20% p.a.
750 – 774	8.85% p.a. – 9.00% p.a.	9.10% p.a. – 9.25% p.a.
725 – 749	–	9.25% p.a. – 9.40% p.a.
700 – 724	9.10% p.a. – 9.25% p.a.	9.35% p.a. – 9.50% p.a.
600 – 699	9.55% p.a. – 9.90% p.a.	9.85% p.a. – 10.20% p.a.
< 600	10.00% p.a. – 10.40% p.a.	10.10% p.a. – 10.50% p.a.
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	10.00% p.a. – 10.25% p.a.

LIC Housing Finance Home Loan Balance Transfer Interest Rates

Key highlights of loan balance transfers to LIC Housing Finance:

Provides hassle-free transfer of existing home loans to LIC Housing Finance
Offers lower interest rates and affordable EMIs
Option to avail of a top-up loan for additional financial flexibility
Competitive rates available

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.50% p.a. – 8.75% p.a.	8.75% p.a. – 9.00% p.a.
775 – 799	8.80% p.a. – 8.95% p.a.	9.05% p.a. – 9.20% p.a.
750 – 774	8.85% p.a. – 9.00% p.a.	9.10% p.a. – 9.25% p.a.
725 – 749	9.00% p.a. – 9.15% p.a.	9.25% p.a. – 9.40% p.a.
700 – 724	9.10% p.a. – 9.25% p.a.	9.35% p.a. – 9.50% p.a.
600 – 699	9.75% p.a. – 10.10% p.a.	9.85% p.a. – 10.20% p.a.
< 600	–	–
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	10.00% p.a. – 10.25% p.a.

LIC Housing Finance Home Loan Advantage Plus Interest Rates

Key highlights of the Advantage Plus loan from LIC Housing Finance:

Allows existing home loan borrowers to transfer loans from other banks and housing finance companies
Benefits from lower interest rates
Maximum loan amount up to ₹10 crore

CIBIL Score Range	Salaried Interest Rate	Self-Employed Interest Rate
≥ 800	8.75% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
775 – 799	8.75% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
750 – 774	8.75% p.a. – 8.80% p.a.	8.90% p.a. – 9.05% p.a.
725 – 749	8.75% p.a. – 8.80% p.a.	9.25% p.a. – 9.40% p.a.
700 – 724	8.75% p.a. – 8.80% p.a.	9.35% p.a. – 9.50% p.a.
600 – 699	8.75% p.a. – 8.80% p.a.	9.55% p.a. – 10.00% p.a.
< 600	8.75% p.a. – 8.80% p.a.	10.10% p.a. – 10.50% p.a.
150 – 200	8.75% p.a. onwards	8.85% p.a. onwards
100 – 150	9.25% p.a. onwards	9.35% p.a. onwards
Sure Fixed Scheme	10.00% p.a. – 10.25% p.a.	10.00% p.a. – 10.25% p.a.

How to Get Lowest and Best LIC Housing Finance Home Loan Interest Rates?

A brief overview of simple steps to get the best interest rates on your home loan from LIC Housing Finance:

Aim for a 750+ Credit Score to secure preferential rates.
Select the Right LIC Housing Finance Scheme that matches personal requirements for cost efficiency.
Leverage Special Concessions offered to government employees, women borrowers, and defense personnel.
Use the Check-Off Facility for direct salary deductions, which may lower interest rates.
Make a Higher Down Payment to reduce the principal and potentially get better terms.
Watch Out for Festive Offers or promotional discounts from LIC Housing Finance.
Keep Income Documents Updated for quicker approvals and more favorable rates.
Maintain Steady Employment to boost financial credibility and rate eligibility.
Build a Strong Relationship with LIC Housing Finance for possible preferential pricing.
Always Negotiate to explore discounts on interest rates or processing fees.

Types of Home Loan Interest Rates

Interest Rate Type	Definition	Pros	Cons
Fixed	Rate remains constant throughout a predetermined period or entire tenure.	– Predictable EMIs for budgeting- Protection against rising interest rates	– Typically higher rates compared to floating- No benefit if market rates go down
Floating (Variable)	Linked to market benchmarks (e.g., Repo Rate, MCLR) and changes over time	– Often cheaper when rates fall- Can partly or fully prepay with lower penalties	– EMIs fluctuate with market conditions- Costs may rise if rates increase
Hybrid	Combination of fixed and floating phases.	– Stability in the initial fixed period- Potential cost savings in the variable phase	– Transition from fixed to floating can carry uncertainties- May incur a shift-related fee

Also Read: Best home loans in India in 2025.

How to Download LIC Housing Finance Home Loan Interest Certificate?

Here’s a simple guide to download your interest certificate from LIC Housing Finance:

Go to the official LIC HFL website
Click on the “Customer Login” option in the top right corner.
Under the Customer Login section, select “Home Loans.”
Log in using your username and password.

Alternatively, you can log in with your loan application number and date of birth.
Enter the OTP sent to your registered email address and mobile number.
Your home loan account details will appear on the screen.
Navigate to the “Activities” tab and choose “Repay Certificate.”
Select your loan number and financial year, then click “Submit.”
The home loan certificate, showing your loan repayment information, will be displayed.
You can print or download the certificate for your records.

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From the initial application to the final disbursement, we provide comprehensive support. Enjoy clear and honest communication at every stage, with no hidden surprises.

Frequently Asked Questions [FAQs]

What are the current interest rates for LIC Housing Finance Home Loans?

LIC Housing Finance offers competitive home loan interest rates starting from 8.50% per annum.

The exact rate depends on various factors such as your credit score, loan amount, employment profile, and the specific home loan scheme you choose.

What is the range of interest rates available for LIC Home Loans?

The interest rates for LIC Housing Finance Home Loans typically range from 8.50% p.a. to 10.75% p.a.

These rates vary based on the applicant’s creditworthiness, loan type, and other eligibility criteria.

Higher credit scores generally qualify for lower interest rates within this range.

How does my CIBIL score impact the interest rate on my LIC home loan?

Your CIBIL score plays a significant role in determining the interest rate offered by LIC Housing Finance.

Applicants with higher CIBIL scores (e.g., 800 and above) are eligible for the lowest interest rates, while those with lower scores may face higher rates.

A strong credit score demonstrates your creditworthiness, making you a less risky borrower.

What is the minimum credit score required to qualify for an LIC Home Loan?

LIC Housing Finance does not explicitly state a minimum credit score requirement.

However, having a CIBIL score above 700 is generally favorable and increases your chances of securing a home loan with a competitive interest rate.

Applicants with scores below this threshold may still qualify but might incur higher interest rates.

Does LIC Housing Finance charge any processing fees for home loans?

Yes, LIC Housing Finance charges a processing fee of 0.25% of the loan amount, with a minimum of ₹5,000 and a maximum cap of ₹50,000.

This fee covers the costs associated with processing your loan application.