LIC Housing Finance Home Loan EMI Calculator
Calculate your LIC Housing Finance (LIC HFL) home loan EMI, check the policyholder concession, and see CIBIL-tier rates — pre-filled at LIC HFL's 2026 starting rate of 8.50%.
Starting Rate
8.50%
p.a. floating (PLR-linked)
Max Tenure
30 years
salaried borrowers
Processing Fee
₹10,000–₹15,000
flat (not % based)
Policyholder
10 bps off
LIC policy holder concession
Home Loan Details
Loan Amount
Interest Rate
Tenure
Monthly EMI
₹43,391
for 240 months · 20 years tenure
Principal
₹50.00 L
48.0%
Total Interest
₹54.14 L
52.0%
Total Payment
₹1.04 Cr
Principal + interest
Interest — Year 1
₹4.21 L
First 12 months
Principal vs Interest
Distribution of your total payment
Principal Interest
Yearly Breakdown
Principal and interest paid each year (first 15)
Amortization Schedule
Total Principal
₹50,00,000
Total Interest
₹54,13,879
Total Paid
₹1,04,13,878
| Month | EMI | Principal | Interest |
|---|---|---|---|
| 1 | ₹43,391 | ₹7,974 | ₹35,417 |
| 2 | ₹43,391 | ₹8,031 | ₹35,360 |
| 3 | ₹43,391 | ₹8,088 | ₹35,303 |
| 4 | ₹43,391 | ₹8,145 | ₹35,246 |
| 5 | ₹43,391 | ₹8,203 | ₹35,188 |
| 6 | ₹43,391 | ₹8,261 | ₹35,130 |
| 7 | ₹43,391 | ₹8,319 | ₹35,072 |
| 8 | ₹43,391 | ₹8,378 | ₹35,013 |
| 9 | ₹43,391 | ₹8,438 | ₹34,953 |
| 10 | ₹43,391 | ₹8,498 | ₹34,894 |
| 11 | ₹43,391 | ₹8,558 | ₹34,833 |
| 12 | ₹43,391 | ₹8,618 | ₹34,773 |
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
LIC Housing Finance Home Loan Interest Rates by CIBIL Score (2026)
Rates are indicative as of July 2026 (floating EBLR-linked). Actual rate offered depends on income, employer category, loan amount, and LTV. Verify with LIC Housing Finance Ltd (LIC HFL) before applying.
| CIBIL Score | Interest Rate | Typical Borrower Profile |
|---|---|---|
| 800+ | 8.50% | Prime salaried, LIC policyholder preferred |
| 750–799 | 8.65% | Salaried, good credit history |
| 700–749 | 9.00% | Average credit profile |
| Below 700 | 9.50%+ | Higher risk, additional scrutiny |
Why Choose LIC Housing Finance for Home Loan?
- Govt-backed NBFC: sponsored by Life Insurance Corporation of India, with high credit ratings (AAA)
- LIC policyholders get a preferential rate concession of approximately 10 basis points
- Flat processing fee (₹10,000–₹15,000) is more predictable than percentage-based fees on large loan amounts
- Strong focus on affordable housing segment — schemes aligned with PMAY beneficiaries
- Widest reach in semi-urban and rural India among HFCs, with dedicated LIC agents assisting borrowers
Frequently Asked Questions
LIC Housing Finance (LIC HFL) home loan rates start at 8.50% p.a. (floating, linked to LIC HFL's Prime Lending Rate which in turn is benchmarked to RBI repo). For CIBIL 800+ borrowers the starting rate is 8.50%; it rises to 10.75% for weaker credit profiles or riskier property types. LIC policyholders (holding a live LIC policy at the time of application) get an additional 10 bps concession. Verify the current rate with your nearest LIC HFL branch or agent.