Our review of LIC Housing Finance: 1 product rated against every other provider we track, with the rate, the fees and what they cost you in rupees. Credsir rating 4.4 out of 5.
The bank
| Founded | 1989 |
|---|---|
| Headquarters | Mumbai |
| Type | Housing finance company (HFC) |
| Official site | www.lichfl.com |
| Credsir rating | 4.4 / 5, across 1 product rated |
Best for: borrowers who want a home loan from a large lender and will trade 0.30 points against the market’s best rate for it.
What it does well
- Home loan processing fee is among the lowest in the table — 5/5
Where it falls short
- Home loan starts 0.30 points above Bank of Baroda, the cheapest lender we track — #7 of 12
LIC Housing Finance products, rated
We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full on the methodology page.
Home loan — 4.4 / 5
| Rate from | 7.50% (starting rate) |
|---|---|
| Maximum rate | 9.75% |
| Terms | LHPLR-linked |
| Fee | Flat ₹3,000–₹50,000 + GST, by loan size |
How it compares: the cheapest provider we track for this product is Bank of Baroda at 7.20%, 0.30 percentage points cheaper. The full LIC Housing Finance home loan breakdown sets out the fee and eligibility detail, and the market-wide table of home loan interest rates shows where 7.50% sits among the 12 lenders.
Rates and fees
| Product | Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|---|
| Home loan | 7.50% | 9.75% | LHPLR-linked | Flat ₹3,000–₹50,000 + GST, by loan size |
Updated 15 Aug 2026 · LIC Housing Finance’s rate cards and published comparisons, across 1 product
The advertised 7.50% is a floor. What you are offered depends on your profile, so it is worth turning the rate into a monthly figure on the EMI calculator before comparing lenders on the headline alone.
How we rated this bank
We take no money for ratings, and no bank can influence one. Every score is simple maths on a dated rate table. Change the table and the score moves by itself.
| Products rated | 1 — every product we hold a dated rate for at LIC Housing Finance |
|---|---|
| Competitor rates compared | 12 — we score each product against every other provider we track for it |
| Paid for this rating | ₹0. No bank can buy, change or even see a Credsir score before you do. |
Rates on this page are checked against the lender’s published card and carry the date they were captured. Terms change without notice; confirm current figures with the lender before you act.
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