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.
- 2
LIC HFC has a special scheme for LIC policyholders - existing LIC customers get a 0.1% rate concession and expedited processing.
- 3
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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