LIC Housing Finance Home Loan Fees and Charges

Fees

Updated 17 Sep 2026 · Lender rate pages, checked individually

What sits outside the processing fee

Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction. Ask for the full schedule in writing before you accept the sanction letter, and read loan foreclosure and charges for what applies if you close the loan early.

Add the fee to the loan cost separately — it is not part of the EMI. The EMI calculator gives you the instalment on the principal and interest alone.

The fee against the rate

A fee only matters next to the rate it comes with. LIC Housing Finance advertises this loan from 7.15% and can charge up to 10.15%, priced off its own LHPLR rather than an external benchmark — the full picture is on the LIC Housing Finance home loan page. A quarter-percent fee is at the low end of the market, and the advertised rate is level with the cheapest lenders we track, though the ceiling is higher than theirs.

Updated 17 Sep 2026 · Lender rate pages, checked individually

How it compares

On rate, LIC Housing Finance is the joint cheapest of the 12 providers we track, level with Canara Bank and Union Bank of India at 7.15% and 0.05% below Bank of Baroda at 7.20%. The lender-by-lender table is on home loan interest rates today.

Terms change without notice. Confirm the current figures with LIC Housing Finance before you act.