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LIC Housing Finance home loan interest rate

Advertised rate

7.50%p.a. onwards

LIC Housing Finance publishes a ceiling of 9.75% for this product. The advertised figure is a floor, not an offer.

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

Rate, ceiling and fees

Advertised ratePublished ceilingTermsFee
7.50%9.75%LHPLR-linkedUp to 0.25%

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

What that costs in rupees

On ₹50,00,000 over 20 years.

EMI at 7.50%
₹40,280/month
Total interest
₹46,67,118
EMI at the 9.75% ceiling
₹47,426/month
Extra interest at the ceiling
₹17,15,084

Principal and interest only. Processing fee, GST, documentation and any insurance sold alongside the loan are additional.

Run your own numbers

How it compares

LIC Housing Finance is the 7th cheapest of the 12 providers we track — 0.30% above Bank of Baroda at 7.20%.

All home loan rates

What moves this rate

Housing finance company. Not required to price off an external benchmark — it lends against an internal reference rate, so rate cuts historically arrive more slowly than increases.

The advertised rate is a floor. It is reserved for the strongest applicants — a high credit score, a low loan-to-value ratio and, usually, a salaried profile at an approved employer. The published ceiling in the table above is the lender’s own upper bound, and where you land between the two is set by your credit band, not by negotiation.

Read the fee alongside the rate rather than separately. Where a processing fee is quoted exclusive of tax, add 18% GST to get what you actually pay. On a large, long-tenure loan the rate dominates; on a smaller or shorter one, a low rate with a high fee is frequently the dearer loan.

LIC Housing Finance home loan in detail