Information only
LIC Housing Finance is a housing finance company (HFC), regulated by the Reserve Bank of India (RBI), which has regulated housing finance companies since 2019, with the National Housing Bank (NHB) supervising them. It is a home loan lender promoted by Life Insurance Corporation of India (LIC). Its registered office is in Cuffe Parade, Mumbai; it moved there from the Fort area on 2 August 2025. Unlike a bank, an HFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for LIC Housing Finance
| Loan | What to know |
|---|---|
| Home loans | Its main business; as a deposit-taking housing finance company it also accepts term deposits, but not demand deposits. |
| Loans against property | Secured on a property you own; offered alongside its home loans. |
LOANZ 360 explains how each of these loan types works: home loans, loans against property. The registered office changed in 2025, so older documents may show the Fort address.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | Housing finance company (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; deposit-taking housing finance company. |
| Registered office | Cuffe Parade, Mumbai (from 2 August 2025) |
| Parent group | Promoted by Life Insurance Corporation of India (LIC) |
As of 8 November 2026, RBI lists LIC Housing Finance among the entities in the upper layer for 2026-27. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
LIC Housing Finance’s own website
Last updated 12 Nov 2026