LIC HFL · housing finance company
LIC Housing Finance home loan interest rates
We could not find LIC Housing Finance's current rate card. A document on its own site (cdn.lichousing.com) was checked on 18 Oct 2026. Our note on it: “Individual housing loans contracted in Q1 FY27: minimum 7.15%, maximum 11.00%. Aggregators and press quote new loans from 7.35% to 7.50%.” We show a starting rate of 7.50% for new loans, from published reports; ask LIC HFL for its current rate. It sets its own rate rather than following the RBI repo rate. To move an existing loan to a lower rate with LIC HFL, the fee is about ₹3,540 with GST on a ₹50 lakh loan, an estimate: LIC HFL does not publish it.
Checked 18 Oct 2026 · LIC HFL's rate page
- Rate for new loans
- From 7.50%
- Not from its rate card
- RBI repo rate
- Own rate
- Set by the lender
- Fee to lower rate
- ₹3,540 est.
- ₹50 lakh loan, with GST
- Checked
- 18 Oct
- 2026
Rates for new loans
New loans from 7.50%. Only this "from" rate is given; the rate you get depends on your credit score and loan.
Source: cdn.lichousing.com · a document on LIC HFL's own site, not its current rate card · checked 18 Oct 2026
How the rate moves
LIC HFL sets its own rate, using its LHPLR (internal prime lending rate). It does not have to move when the RBI changes the repo rate.
Rates are set by the lender's own prime lending rate, not directly by the RBI repo rate. Rate cuts reach existing borrowers only when the lender revises LHPLR or on request.
How to ask LIC HFL for a lower rate
If you already have a loan with LIC HFL, you can ask it in writing to move you to its current rate. It is a request, and the lender decides.
- Log in to the LIC HFL customer portal and look for the rate rewrite option, or write to customer support.
- Ask for written confirmation of the fee and a request number.
These steps are what borrowers report; LIC HFL's own site does not set them out. Ask your branch to confirm.
The fee: about ₹3,540 with GST on a ₹50 lakh loan. Not published on the pages checked. ₹3,000 is an indicative figure for a rate rewrite; ask for the written fee.
Paying off early
For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where to complain
Complain to LIC HFL first and keep the reference number it gives you.
Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
After LIC HFL, the next step is the National Housing Bank. It is free and you do not need a lawyer.
Questions people ask
What is LIC Housing Finance's home loan interest rate?
We could not find LIC Housing Finance's current rate card. A document on its own site (cdn.lichousing.com) was checked on 18 Oct 2026. Our note on it: “Individual housing loans contracted in Q1 FY27: minimum 7.15%, maximum 11.00%. Aggregators and press quote new loans from 7.35% to 7.50%.” We show a starting rate of 7.50% for new loans, from published reports; ask LIC HFL for its current rate. The rate you get depends on your credit score and loan, and LIC HFL decides the final rate.
Does LIC Housing Finance's home loan rate change when the RBI changes the repo rate?
LIC HFL sets its own rate, using its LHPLR (internal prime lending rate). It does not have to move when the RBI changes the repo rate. Rates are set by the lender's own prime lending rate, not directly by the RBI repo rate. Rate cuts reach existing borrowers only when the lender revises LHPLR or on request.
How do I get a lower rate on my existing LIC Housing Finance home loan?
Ask LIC HFL in writing to move your loan to its current rate. Log in to the LIC HFL customer portal and look for the rate rewrite option, or write to customer support. Ask for written confirmation of the fee and a request number. The fee is about ₹3,540 with GST on a ₹50 lakh loan, an estimate: LIC HFL does not publish it. A lower rate is a request: the lender decides.
Can LIC Housing Finance charge me for paying off my home loan early?
No, not on a floating-rate home loan. For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where do I complain if LIC Housing Finance does not reply?
Complain to LIC HFL first through its complaints page ([email protected]). Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
Compare with other lenders
- Bajaj Housing Financefrom 7.50%
- PNB Housing Financefrom 7.75%
- Tata Capital Housing Financefrom 8.00%
- State Bank of Indiafrom 7.50%
Moving your loan to LIC HFL from another lender: a processing fee of about ₹14,750 with GST on a ₹50 lakh loan, an estimate from paisabazaar.com, not confirmed by LIC HFL, plus stamp duty in some states.
Words on this page
- RBI repo rate:
- the rate the Reserve Bank of India sets for lending to banks. Many home loan rates move with it.
- Prime lending rate:
- the lender's own reference rate (LHPLR, RPLR, PNBHFR and similar). The lender sets it; it does not have to follow the RBI repo rate.
- GST:
- Goods and Services Tax: 18% on bank fees.
- Q1 FY27:
- April to June 2026 (India's financial year runs April to March).