LIC Home Loan Interest Rate — 16th September 2026
Housing finance company · LIC HFL
LIC Housing Finance publishes home loan interest rates from 7.15% to 10.30%. Below is its rate card exactly as it appears on LIC Housing Finance’s own website, what that card says about who gets the best rate, and what the numbers come to as a monthly EMI.
Starting rate
7.15%
Top of published range
10.30%
Benchmark
LHPLR 16.90% – 17.00%
Effective from
Not published
Read from LIC Housing Finance’s own website on 16 September 2026. Source and method
LIC Housing Finance home loan interest rate card
By CIBIL score and loan size (salaried)
| CIBIL score | Loan size | Rate |
|---|---|---|
| 825 and above | Up to ₹5 crore | 7.15% |
| 825 and above | ₹5 – 15 crore | 7.45% |
| 800 – 824 | Up to ₹5 crore | 7.35% |
| 775 – 799 | Up to ₹1 crore | 7.50% |
| 750 – 774 | Up to ₹1 crore | 7.60% |
| 725 – 749 | Up to ₹1 crore | 7.80% |
| 700 – 724 | Up to ₹1 crore | 8.10% |
| 600 – 699 | Up to ₹1 crore | 8.90% |
| 201 – 599 | Up to ₹1 crore | 9.70% |
| 150 – 200 (new to credit) | Up to ₹35 lakh | 7.80% |
| 101 – 149 (new to credit) | Up to ₹35 lakh | 8.10% |
| Self-employed, 825 and above | Up to ₹5 crore | 7.30% |
Selected rows from LIC Housing Finance’s published grid. Self-employed rates run about 0.15% above salaried at comparable bands.
What LIC Housing Finance’s interest rate card tells you
LIC Housing Finance publishes one of the deepest credit-score grids of any lender we track, and it shows something useful: a thin credit file is priced better than a damaged one. A salaried borrower with a new-to-credit score of 150–200 pays 7.80% on a loan up to ₹35 lakh, while a borrower scoring 600–699 pays 8.90%. At the top, 825 and above gets 7.15% for loans up to ₹5 crore. Self-employed applicants pay about 0.15% more at comparable bands. LIC’s benchmark, the LHPLR, sits near 17% — a reference point, not what borrowers pay.
Ranked by published starting rate, LIC Housing Finance comes joint 5th of 48 — 1st within the 18 housing finance companies we track. LIC Housing Finance doesn’t price off the RBI repo rate directly: its rates move with its own LHPLR, so a repo cut reaches its borrowers only if LIC Housing Finance chooses to pass it on. For scale, its starting rate is 1.90 points above the repo rate of 5.25%. Between the bottom and top of LIC Housing Finance’s published range, the EMI on ₹60 lakh over 20 years moves by ₹12,039 a month — which is why the band you land in matters more than the headline.
EMI at LIC Housing Finance’s home loan interest rate
What LIC Housing Finance’s 7.15% starting rate costs each month on common loan sizes. Treat these as the lowest EMI LIC Housing Finance would charge, not the likely one.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 20 yrs at 10.30% |
|---|---|---|---|---|---|
| ₹35 lakh | ₹40,909 | ₹31,753 | ₹27,451 | ₹25,073 | ₹34,474 |
| ₹50 lakh | ₹58,442 | ₹45,362 | ₹39,216 | ₹35,819 | ₹49,249 |
| ₹70 lakh | ₹81,818 | ₹63,506 | ₹54,903 | ₹50,146 | ₹68,949 |
| ₹1 crore | ₹1,16,883 | ₹90,724 | ₹78,433 | ₹71,638 | ₹98,498 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
LIC Housing Finance against lenders priced nearby
How LIC Housing Finance’s floor compares with the four closest on our list — same ₹60 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹60 lakh / 20 yrs | vs LIC Housing Finance |
|---|---|---|---|
| LIC Housing Finance Housing finance company | 7.15% – 10.30% | ₹47,060 | — |
| Canara Bank Public sector bank | 7.15% – 10.00% | ₹47,060 | same |
| Indian Bank Public sector bank | 7.15% – 9.15% | ₹47,060 | same |
| UCO Bank Public sector bank | 7.15% – 9.25% | ₹47,060 | same |
| Union Bank of India Public sector bank | 7.15% – 9.35% | ₹47,060 | same |
How to land near the bottom of LIC Housing Finance’s range
- If you have a thin credit file rather than a poor one, don’t assume it counts against you here: LIC prices new-to-credit borrowers at 7.80% on loans up to ₹35 lakh.
- Pull your credit report at least a month before you apply. Errors — a closed loan still showing as open, a card you never took — are common, and correcting one can move you up a band on a grid like this.
- Whatever rate you’re offered, ask for it in writing with the benchmark and the spread shown separately — it’s the only way to know what happens to your EMI when the benchmark next moves.
What a LIC Housing Finance home loan costs beyond interest
| Processing fee | A flat fee by loan amount, plus GST: ₹3,000 up to ₹25 lakh; ₹5,000 up to ₹50 lakh; ₹7,500 up to ₹1 crore; ₹15,000 up to ₹5 crore; ₹30,000 up to ₹15 crore. On a ₹60 lakh loan, that comes to ₹7,500, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: none from your own funds; otherwise 2% of the amount prepaid. |
| Technical fee | ₹5,500 up to ₹25 lakh; ₹7,000 up to ₹50 lakh |
| Switching floating to fixed | 0.25% of the outstanding plus GST |
| Late EMI | 1.5% a month (18% a year) for the first 12 months of default |
Source: LIC Housing Finance’s own schedule of charges, read on 16 September 2026: https://cdn.lichousing.com/2026/01/fees_and_other_charges.pdf
Who can get a LIC Housing Finance home loan
| Who can apply | Resident Indians — salaried employees, self-employed professionals and business owners. NRIs apply under a separate scheme. |
|---|---|
| Longest term | 30 years |
Source: LIC Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.lichousing.com/housing-loan/home-loan
LIC Housing Finance home loan interest rate — common questions
What is the current LIC Housing Finance home loan interest rate?
What is LIC Housing Finance’s home loan processing fee?
What is the maximum tenure of a LIC Housing Finance home loan?
Does LIC Housing Finance charge more for a lower CIBIL score?
What is the EMI on a ₹60 lakh home loan from LIC Housing Finance?
Is LIC Housing Finance’s home loan interest rate fixed or floating?
How does LIC Housing Finance compare with Canara Bank?
Where these figures come from
Source: LIC Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.lichousing.com/housing-loan/home-loan
LIC Housing Finance publishes no effective date for this rate, so we don’t show one.
We began recording LIC Housing Finance’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from LIC Housing Finance’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.
Rates are what LIC Housing Finance publishes, not an offer: the rate you’re quoted is set by LIC Housing Finance after it assesses your application. How we collect and check rates →