LIC Housing Finance
HFCEst. 1989
India's most trusted Housing Finance Company — lowest fees, longest tenures.
Best for: LIC policyholders and salaried borrowers focused purely on home purchase who want the lowest possible processing fee and a trusted HFC brand.
Loan Products
Rates and terms for 2026 — updated quarterly.
Home Loan
Key advantage: Lowest processing fee at 0.25% (tied with SBI) and loan amounts up to ₹15 Cr
Personal Loan
Not offered by this lender.
Business Loan
Not offered by this lender.
Pros & Cons
Advantages
- Lowest processing fee (0.25%) — tied with SBI, significantly below private banks
- Accepts CIBIL scores from 680 — more accessible than HDFC or Kotak
- High loan limit up to ₹15 Cr for luxury and premium properties
- LIC policyholders get 0.1% rate discount and priority processing
Disadvantages
- Only offers home loans — no personal or business loan options
- Slower processing (10–14 days) compared to private banks
- Limited product flexibility — no overdraft, step-up, or Flexi variants
LIC Housing Finance in Hyderabad
Local context, branches, and region-specific offerings.
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20 LIC HFC branches in Hyderabad, including a dedicated Area Office at Abids that handles high-value loan files above ₹1 Cr.
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LIC HFC has a special scheme for LIC policyholders — existing LIC customers get a 0.1% rate concession and expedited processing.
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LIC HFC is one of the few lenders that actively finances properties in Hyderabad's older localities like Amberpet, Malakpet, and Secunderabad where bank valuations are conservative.
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LIC HFC's PMAY (Pradhan Mantri Awas Yojana) processing is among the fastest in Hyderabad — they have a dedicated PMAY desk at the Abids office.
Frequently Asked Questions
What CIBIL score does LIC Housing Finance require for a home loan?
LIC HFC requires a minimum CIBIL score of 680. This is among the most lenient thresholds in the home loan market, making it accessible to a wider applicant base.
Does being an LIC policyholder give me any benefit on a home loan?
Yes. Existing LIC policyholders receive a 0.1% interest rate concession and are given priority processing at LIC HFC branches. You'll need to provide your LIC policy number during application.
Can I get a personal loan from LIC Housing Finance?
No. LIC Housing Finance is a specialist HFC and only offers home loans, home construction loans, and loan against property. For personal loans, you'll need to approach a bank or NBFC.
What is the processing time for LIC HFC home loans in Hyderabad?
LIC HFC takes 10–14 working days from complete document submission. The dedicated Area Office at Abids handles files above ₹1 Cr on a priority basis.
How does Loans Got Easy work with LIC Housing Finance?
Loans Got Easy is an authorised LIC HFC DSA partner. We handle the full application — including PMAY subsidy paperwork if applicable — and track your file at the LIC HFC Area Office to avoid delays.
Apply via Loans Got Easy
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