LIC Housing Finance

LIC Housing Finance Ltd. is one of the largest Housing Finance company in India. Incorporated on 19th June, 1989 under the Companies Act, 1956, the Company was promoted by LIC of India and went public in the year 1994. The Company launched its maiden GDR issue in 2004. The Authorized Capital of the Company is Rs.1500 Million (Rs.150 Crores) and its paid up Capital is Rs.1009.9 Million ( Rs.100.99 Crores). The Company is registered with National Housing Bank and listed on the National Stock Exchange (NSE) & Bombay Stock Exchange Limited (BSE) and its shares are traded only in Demat format. The GDR's are listed on the Luxembourg Stock Exchange.

The main objective of the Company is providing long term finance to individuals for purchase or construction of house or flat for residential purpose / repair and renovation of existing flat / houses. The Company also provides finance on existing property for business / personal needs and also gives loans to professionals for purchase / construction of Clinics / Nursing Homes / Diagnostic Centres / Office Space and also for purchase of equipments. The Company also provides long term finance to persons engaged in the business of construction of houses or flats for residential purpose and to be sold by them.

The Company Identification Number (CIN) is L65922MH1989PLC052257.

The Company possesses one of the industry's most extensive marketing network in India: Registered and Corporate Office at Mumbai, 7 Regional Offices, 16 Back Offices and 209 marketing units across India. In addition the company has appointed over 10478 Intermediaries to extend its marketing reach. 16 Back Offices spread across the country conduct the credit appraisal and administrative functions.

The Company has set up a Representative Office in Dubai and Kuwait to cater to the Non-Resident Indians in the GLCC countries covering Bahrain, Dubai, Kuwait, Qatar and Saudi Arabia. Today the Company has a proud group of over 15.56 LACS prudent house owners who have enjoyed the Company's financial assistance.

SME Loans By LIC Housing Finance

Loan against Rental Securitization By LIC Housing Finance

  1. Under this scheme, the financial assistance is provided for companies – Listed/Unlisted against the security of Commercial property – Office premises – already owned/to be purchased with the help of the loan.

  3. The loan amount may be utilized for repayment of existing loans (including takeover)/ Purchase of fixed assets etc
  4. Loan is provided for the properties which is completed in all respects.
  5. Maximum Term offered :- 10 Yrs

Loan Against Securities By LIC Housing Finance

Loan against Securities such as LIC Policies etc. – for Individuals By LIC Housing Finance



  1. Loans against Fixed Deposit of Nationalized Banks, Life Insurance Policies having surrender value and Post office instruments like National Savings Certificates, KisanVikasPatra

  3. Loan up to 95% of face value of liquid security or surrender value in case of Life Insurance Policies.

  5. Minimum Loan Rs.50,000/-.

  7. Maximum Term up to 20 Years

Home Loan By LIC Housing Finance

Resident Indians

1. Purchase

Loan Amount

Loan to Property cost
85% of total cost of the property including Stamp Duty & Registration Charges for loan up to 20 Lacs 80% of total cost of the property including Stamp Duty & Registration Charges for loan above 20 Lacs and up to 75 Lacs 75% of total cost of the property including Stamp Duty & Registration Charges for loan upabove 75 Lacs .