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LIC Housing Finance Limited Interest Rates & Financial Calculators

Compare FD, RD, and loan rates with our calculators

Complete guide to LIC Housing Finance Limited interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.

Best FD Rate

7.4%

Home Loan Rate

8.5%

Bank Type

hfc

Last Updated

Dec 2025

Best FD Rate: 7.4% for Senior Citizens
General Rate: 6.9% for all citizens
Min FD Amount: ₹25K only
Min RD Amount: ₹0 monthly
Home Loan Rate: From 8.5%
Personal Loan: From 11%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum
Online Banking Available
Loan Against FD: Up to 90%
Housing Finance Company (HFC) with competitive FD rates
Senior citizens get +0.50% additional interest
Trusted brand backed by LIC
Digital FD booking available
Loan against FD facility
Flexible interest payout options
Minimum deposit: ₹25,000
Maximum deposit: ₹2 Crore
Best FD Rate: 7.4% for Senior Citizens
General Rate: 6.9% for all citizens
Min FD Amount: ₹25K only
Min RD Amount: ₹0 monthly
Home Loan Rate: From 8.5%
Personal Loan: From 11%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum
Online Banking Available
Loan Against FD: Up to 90%
Housing Finance Company (HFC) with competitive FD rates
Senior citizens get +0.50% additional interest
Trusted brand backed by LIC
Digital FD booking available
Loan against FD facility
Flexible interest payout options
Minimum deposit: ₹25,000
Maximum deposit: ₹2 Crore

Latest LIC HFL Interest Rates

Deposits (FD & RD) Interest Rates

LIC Housing Finance Limited Fixed Deposit Rates

FD Calculator

Latest LIC Housing Finance Limited Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type/TenureGeneral RateSenior Citizen Rate
1 Year
6.7%7.2%
15 Months
6.75%7.25%
18 Months
6.75%7.25%
2 Years
6.8%7.3%
3 Years
6.85%7.35%
5 Years
6.9%7.4%

LIC Housing Finance Limited Recurring Deposit Rates

RD Calculator

Latest LIC Housing Finance Limited Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type/TenureGeneral RateSenior Citizen Rate
1 Year
6.7%7.2%
15 Months
6.75%7.25%
18 Months
6.75%7.25%
2 Years
6.8%7.3%
3 Years
6.85%7.35%
5 Years
6.9%7.4%

Loan Interest Rates

LIC Housing Finance Limited Loan Interest Rates Rates

Current LIC Housing Finance Limited loan interest rates and processing fees for different loan types.

Type/TenureMin RateMax RateProcessing Fee
Home Loan
8.5%11.5%0.25-0.50% of loan amount + GST
Personal Loan
11%18%1-2% of loan amount + GST
Car Loan
9%13%0.5% of loan amount + GST
Education Loan
9.5%13.5%Nil for loans up to ₹7.5 lakhs
Business Loan
11.5%20%1-2% of loan amount + GST
Two Wheeler Loan
12%18%₹1,000-₹1,500 + GST
Gold Loan
9.5%13.5%₹500-₹750 + GST

Why Choose LIC Housing Finance Limited?

Discover the advantages of banking with one of India's most trusted financial institutions

Competitive Rates

Up to 7.4% returns on Fixed Deposits with attractive rates for all tenures

Bank Security

RBI regulated private bank with deposit insurance up to ₹5 lakhs

Digital Banking

Advanced mobile banking, online FD booking, and instant loan approvals through digital channels

Customer Service

24/7 customer support with extensive branch network and dedicated relationship managers

Additional Benefits

Loan against FD up to 90% of deposit value
Senior citizen benefits with higher interest rates
Flexible tenure options from 7 days to 10 years
Auto-renewal facility for continuous growth
Premature withdrawal with minimal penalty
Tax-saving FD options available under 80C

Interest rates last updated: Dec 2025

Data Source

LIC Housing Finance Limited Official Rates