Get attractive LIC Housing Finance home loans through eNivesh. Compare EMI, check eligibility, calculate affordability and transfer existing loans — guided by our SEBI registered advisors at every step.
Interest Rate p.a.
Loan Amount
Max Tenure
Prepayment Charges
Current schemes and concessions available on LIC Housing Finance home loans, curated for eNivesh clients.
Standard home loan for purchase, construction, or ready-to-move property — for salaried applicants with strong credit profile, up to 30-year tenure.
Additional rate concession when the woman is the sole applicant or co-applicant on the loan — applicable across most LIC HFL home loan schemes.
Move your existing home loan from another bank/NBFC to LIC HFL at a lower rate, with a top-up facility available on transfer.
Mortgage guarantee-backed loan for applicants receiving part salary in cash, self-employed individuals, or those nearing retirement.
For Central/State Govt, PSU pensioners — tenure up to 80 years of age, with 6 EMI exemptions built into the repayment schedule.
No foreclosure or part-prepayment penalty on floating-rate home loans — repay early and save on interest, anytime during tenure.
Existing LIC HFL home loan customers can avail an additional top-up loan for renovation, education, or personal needs — minimal extra documentation.
Digital application tracking and pre-vetted documentation through eNivesh helps you get an in-principle sanction letter faster, with fewer follow-ups.
Calculate your EMI, check loan eligibility, or estimate balance transfer savings — instantly.
*Indicative calculation only. Actual EMI depends on the final rate sanctioned by LIC HFL based on your credit profile.
*Assumes 50% Fixed Obligation to Income Ratio (FOIR) and 80% LTV — actual eligibility is determined by LIC HFL underwriting.
*Excludes processing fee, stamp duty on transfer & any conversion charges — savings shown are on interest outgo only.
Detailed terms for each scheme — rate, tenure, eligible LTV and processing fee — so you can compare before you apply.
LIC HFL's flagship home loan for purchasing a ready-to-move, under-construction, or resale property — available to salaried, self-employed and professional applicants.
Finance for self-construction of a house on a plot you already own, disbursed in stages as construction progresses — reducing your interest outgo during the build.
Funding for renovation, repairs, interior work, waterproofing or structural upgrades to an existing home — for both LIC HFL existing customers and new applicants.
Move your existing home loan from any bank or NBFC to LIC HFL at a potentially lower rate — with an optional top-up loan for personal needs, sanctioned alongside the transfer.
Purchase a residential plot from a government body, development authority, or approved layout — with an option to combine it with a construction loan (Composite Loan).
Purchase or construction financing for NRIs investing in Indian residential property, with documentation support tailored for overseas income and KYC requirements.
What LIC HFL typically looks for, and what you'll need to keep ready.
We don't just connect you to LIC HFL — we guide you through the entire process.
Authorised LIC Housing Finance partner with a 20+ year track record — your application is handled by people who know the process inside out.
End-to-end help with documentation, income proof structuring, and application filing.
Leveraging 20+ years of lender relationships to help you secure the most competitive rate available.
We pre-vet your file before submission, reducing back-and-forth and accelerating approval timelines.