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LIC Housing Finance Limited Interest Rates & Calculators

Complete guide to LIC Housing Finance Limited interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.

Best FD Rate
7.15% p.a.
Home Loan
From 8.5%

LIC Housing Finance Limited FD Rates Overview

LIC Housing Finance Limited currently offers fixed deposit interest rates of up to 6.9% p.a. for the general public, and 7.15% for senior citizens. The full slab-wise LIC HFL rate table is below — use the FD and RD calculators to compute your exact maturity amount.

LIC HFL Financial Calculators

Latest LIC HFL Interest Rates

Verified rate tables updated as banks revise deposit & loan terms.

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%6.95%
15 Months
6.75%7%
18 Months
6.75%7%
2 Years
6.8%7.05%
3 Years
6.85%7.1%
5 YearsHighest Yield
6.9%7.15%

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%6.95%
15 Months
6.75%7%
18 Months
6.75%7%
2 Years
6.8%7.05%
3 Years
6.85%7.1%
5 YearsHighest Yield
6.9%7.15%

LIC Housing Finance Limited Loan 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 LoanHighest Yield
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?

Key benefits and features of banking with LIC Housing Finance Limited.

Competitive Rates

Up to 7.15% returns on deposits with attractive rates across short & long tenures.

Bank Security

RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.

Digital Banking

Instant online FD/RD booking, mobile banking apps, and quick digital loans.

Customer Service

Extensive branch & ATM network across India with dedicated support.

Key Features & Perks

Best FD Rate: 7.15% 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 +0.25% additional interest (flat, for deposits ₹20,000+ up to ₹3 Crore, all tenures)
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
Interest rates last updated: Jul 2026
Verify on LIC Housing Finance Limited Official Website
Market Comparison

Compare Rates with Other Banks

Check latest fixed deposit interest rates across peer financial institutions before investing.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.