Quick answer: LIC HFL home loan rates in October 2026 start from 7.15% p.a. for salaried and professional borrowers with a CIBIL score of 825 or above (loans up to ₹5 crore), and from 7.30% for self-employed borrowers. The RBI raised the repo rate to 5.50% on 7 October 2026, but LIC HFL’s published rates were unchanged when we checked on 9 October.
By Vijay Arjun V (B.Pharm, PGDM), authorised LIC HFL DSA since 2002. Rates checked on lichousing.com on 9 October 2026.
What are LIC HFL home loan interest rates in October 2026?
These are LIC HFL’s published floating rates for new home loans, as shown on lichousing.com on 9 October 2026. Your rate depends mainly on your CIBIL score and loan amount. For joint applicants, LIC HFL uses the highest CIBIL score among the applicants.
| CIBIL score | Loan amount | Salaried / professional | Self-employed |
|---|---|---|---|
| 825 and above | Up to ₹5 Cr | 7.15% | 7.30% |
| 800–824 | Up to ₹5 Cr | 7.35% | 7.50% |
| 775–799 | Up to ₹1 Cr | 7.50% | 7.65% |
| 750–774 | Up to ₹1 Cr | 7.60% | 7.75% |
| 725–749 | Up to ₹1 Cr | 7.80% | 7.95% |
| 700–724 | Up to ₹1 Cr | 8.10% | 8.35% |
| 600–699 | Up to ₹1 Cr | 8.90% | 9.15% |
| 201–599 | Up to ₹1 Cr | 9.70% | 9.85% |
Loans above ₹1 crore (and above ₹5 crore) carry slightly higher rates in most bands. LIC HFL also lists separate rates for applicants with a new or thin credit history (score bands 101–200); for example 7.80% for salaried applicants in the 150–200 band on loans up to ₹35 lakh. See the full table in our LIC HFL home loan interest rates guide.
Did the RBI repo rate hike in October 2026 change LIC HFL rates?
Not yet. The RBI’s Monetary Policy Committee raised the repo rate by 25 basis points, from 5.25% to 5.50%, on 7 October 2026. LIC HFL’s published home loan rates were still the same on 9 October 2026.
LIC HFL is a housing finance company, so its floating rates follow its own benchmark (LHPLR) rather than the repo rate directly. Lenders often revise rates in the weeks after a repo change, so if you are close to buying, it can make sense to apply now and lock in today’s sanction terms. We will update this page if LIC HFL changes its rates.
How much would a 0.25% rise add to my EMI?
On a ₹50 lakh loan over 20 years, a rise from 7.15% to 7.40% adds about ₹758 a month, or about ₹1.8 lakh over the full term.
| Loan (20 years) | EMI at 7.15% | EMI at 7.40% | Extra per month |
|---|---|---|---|
| ₹30 lakh | ₹23,530 | ₹23,985 | ₹455 |
| ₹50 lakh | ₹39,216 | ₹39,974 | ₹758 |
| ₹75 lakh | ₹58,825 | ₹59,962 | ₹1,137 |
If you already have a floating-rate loan, lenders often keep your EMI the same and extend the term instead. On a ₹50 lakh, 20-year loan, a 0.25% rise with the same EMI adds about 11 months to the loan. Check your own numbers with our EMI calculator.
How much does my CIBIL score change my EMI?
More than a repo rate change. On a ₹50 lakh, 20-year salaried home loan:
| CIBIL score | Rate | EMI | Total interest |
|---|---|---|---|
| 825+ | 7.15% | ₹39,216 | ₹44.1 lakh |
| 750–774 | 7.60% | ₹40,586 | ₹47.4 lakh |
| 700–724 | 8.10% | ₹42,134 | ₹51.1 lakh |
| 600–699 | 8.90% | ₹44,665 | ₹57.2 lakh |
Moving from the 700–724 band to 825+ saves about ₹2,900 a month and ₹7 lakh in interest. If your score is low, read how to get a home loan with a low CIBIL score before you apply.
What should you do this month?
- Buying soon: get your eligibility checked and apply while the 7.15% table is still live. Approved projects can also qualify for processing-fee discounts; see the list of LIC HFL approved projects.
- Paying 8.5% or more elsewhere: compare a balance transfer to LIC HFL; use the balance transfer calculator to see the saving.
- Existing LIC HFL borrower: part-prepayments on floating-rate home loans carry no charges, and they offset a rate rise. Try the prepayment calculator.
Frequently asked questions
What is the lowest LIC HFL home loan rate in October 2026?
7.15% p.a., for salaried or professional applicants with a CIBIL score of 825 or more, on loans up to ₹5 crore (as published on 9 October 2026).
Will my existing LIC HFL EMI go up after the repo hike?
Only if LIC HFL raises its benchmark rate. If it does, floating-rate loans reset, and the change is usually absorbed by extending the term first. For your own loan, check the customer portal on lichousing.com or call LIC HFL on 1800 209 1989.
Is the self-employed rate higher?
Yes, by 0.15% to 0.25% in most bands. For example, 7.30% instead of 7.15% for CIBIL 825+.
Does LIC HFL charge for prepaying a home loan?
No prepayment charges apply on floating-rate home loans to individuals, unless the loan is for business purposes (LIC HFL FAQ).
Next step: find out which rate band you fall into and how much you can borrow with a free eligibility check, or read our LIC HFL home loan in Hyderabad guide.
Sources: lichousing.com home loan page (rates, checked 9 Oct 2026); RBI Monetary Policy Statement, 7 October 2026 (rbi.org.in); LIC HFL housing loan FAQ.
Hyderabad Home Loans is run by Elite Financial Services, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd. We are not LIC HFL. Loans are sanctioned solely at LIC HFL’s discretion; rates and fees may change.