Griha Suvidha Asha Home Loan
Home loans for Group D / Class IV employees and self-employed borrowers, backed by a mortgage guarantee.
- Loan
- ₹5L – ₹30L
- Rate
- 10.75%–11.00%*
- ITR needed
- No
- Business vintage
- 3 years
Griha Sugam is LIC HFL’s special scheme for self-employed borrowers who don’t have formal income proof such as Income Tax Returns, but earn enough to pay a home loan EMI.
It’s built for owners of small businesses — a kirana store, garment shop or hardware store — with a proven three-year business track record.
Who can apply
- Small business owners — kirana stores, garment shops, hardware stores and similar
- Self-employed borrowers without Income Tax Returns
- Businesses with a proven 3-year vintage
Key features
- No Income Tax Return documents required
- Loan amount from ₹5 lakh up to ₹30 lakh
- Interest rate 10.75% to 11.00%
- Eligibility based on business vintage and repayment capacity
How Hyderabad Home Loans helps
- We check your eligibility and confirm whether this scheme is the best fit before you apply.
- We review your documents before they go to LIC HFL, so there are fewer queries later.
- We track your file with LIC HFL through sanction and disbursement.
*Starting rate for eligible borrowers, as published by LIC HFL (updated September 2026). Your rate depends on CIBIL score, loan amount, profile and LIC HFL credit policy — we confirm it before you apply.
Frequently asked questions
Yes — that’s exactly what Griha Sugam is for. LIC HFL looks at your business vintage (3 years) and ability to pay the EMI instead of ITRs.
From ₹5 lakh up to ₹30 lakh.
KYC, proof that your business has run for 3 years (such as shop registration or trade licence) and your bank statements. We’ll give you the exact list for your case.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Griha Suvidha Home Loan
For applicants paid partly in cash, those nearing retirement, or self-employed borrowers who need a longer tenure.
Sure Fixed Scheme
A fixed rate of interest for self-employed borrowers.
Hyderabad Home Loans (Elite Associates) is an authorised Direct Selling Agent of LIC Housing Finance Ltd. Product names, features and rates are as published by LIC HFL; sanction, rate and terms are at LIC HFL’s sole discretion. Final eligibility is subject to lender assessment.