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LIC HFL home loan rates start from 7.15%* |*Depends on CIBIL score & LIC HFL credit policy · Updated September 2026 ●No pre-payment charges ●Authorised LIC HFL DSA since 2002 ●Call / WhatsApp 88862 49998
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Authorised LIC HFL DSA since 2002 · ₹2,500 Cr+ disbursed

About Hyderabad Home Loans

Teja Management Group, Elite Financial Services and Elite Associates: one family team. For 24 years we have helped Hyderabad families get LIC Housing Finance home loans, and LIC HFL has recognised our work at every level, from its area office to its MD & CEO.

Authorised LIC HFL DSA since
2002
Authorised LIC HFL DSA since
LIC HFL loans disbursed
₹2,500 Cr+
LIC HFL loans disbursed
LIC HFL member, 2025–26
Pride & Elite
LIC HFL member, 2025–26
LIC HFL, FY 2025–26
Top Mgmt Group
LIC HFL, FY 2025–26
Our story

One lender, one office, 24 years of home loans

Our founder, V. Rama Rao, started the business. His association with LIC Housing Finance goes back more than 25 years. In 2002 Teja Management Group became an authorised Direct Selling Agent (DSA) of LIC HFL. For several years the business ran under the name of Elite Associates, V. Rama Rao’s firm, which is the name you’ll see on many of the LIC HFL awards below.

Today Vijay Arjun V and Florida Salam run Teja Management Group and Elite Financial Services, working alongside Elite Associates from our office near JNTU metro in Hydernagar, Kukatpally.

We work with one lender and know it in depth: LIC HFL’s schemes, its credit policy, and the builder projects it has already approved. That focus is why people come to us for files a general loan agent finds hard: loans in approved (APF) projects, plot and construction loans, self-employed and NRI applicants, pensioners, and balance transfers.

The service is free of charge to you. You get one person who checks your eligibility honestly before you apply, gives you the exact document list for your case, and follows your file through LIC HFL’s credit, legal and technical checks until the money is disbursed.

Over the years that work has added up to a portfolio of more than ₹2,500 crore of LIC HFL loans disbursed, mostly to families in Kukatpally, Miyapur, Nizampet, Bachupally, Lingampally, Kompally and Patancheru.

Recognition

Recognised by LIC Housing Finance

Awards from LIC HFL’s leadership, region and area office, as presented. Tap any photo to see it larger.

2026

Felicitated at LIC HFL’s South Eastern Region meet

Honoured on stage at LIC HFL’s South Eastern Regional Office (SER-H) MIs’ Meet in Hyderabad, among the region’s Top Management Group intermediaries.

2025–26

Felicitated by LIC HFL’s MD & CEO

Felicitation at LIC HFL’s Gangtok convention, with the medal and citation presented to V. Rama Rao by LIC HFL’s MD & CEO.

2025–26

LIC HFL Pride & Elite member

Felicitated at SCALE, LIC HFL’s national convention of Pride & Elite members for membership year 2025–26, held in Gangtok in October 2025.

FY 2023–24

Certificate of Appreciation from LIC HFL’s MD & CEO

Presented to M/s Elite Associates “in recognition of remarkable business performance during F.Y. 2023-24”, signed by LIC HFL’s MD & CEO (Amritsar, 6 June 2024), together with an LIC HFL trophy.

2023

With LIC HFL’s MD & CEO

Our team with LIC Housing Finance’s MD & CEO and senior marketing leadership.

LIC HFL

LIC HFL Achiever medal

Awarded by LIC Housing Finance to its top-performing intermediaries: “Thank you for your contribution.”

NAREDCO

Recognised by Hyderabad’s builder community

Honoured at a NAREDCO West Zone Builders Association (Telangana) event, alongside the developers whose buyers we help finance their homes.

The people

Who you’ll deal with

A small, family-run team. The person who checks your eligibility is the person who follows your file.

Vijay Arjun V

Head of Marketing & Operations · DME (Direct Marketing Executive) appointed by LIC HFL

B.Pharm, PGDM (Marketing & Operations Management)

Your main point of contact: checks your eligibility, matches you to the right LIC HFL scheme, lists the exact documents and follows your file through to disbursement. Writes and fact-checks the guides on this website.

V. Rama Rao

Founder

Elite Associates · 25+ years with LIC Housing Finance

Founded the business and started the family’s association with LIC Housing Finance more than 25 years ago; runs Elite Associates. Recognised by LIC HFL in its Top Management Group for FY 2025–26.

Florida Salam

Co-founder, Teja Management Group

PGDM (Marketing, Operations & Finance)

Runs Teja Management Group and Elite Financial Services with Vijay Arjun.

How we work

What working with us looks like

  • Free to you

    No fee for our service. You pay only LIC HFL’s own charges, which we explain before you apply.

  • Honest eligibility first

    We check your income, EMIs, CIBIL and the property before you apply, so you don’t collect a rejection.

  • Approved-project know-how

    We know which Hyderabad projects LIC HFL has already approved, which makes those loans faster.

  • With you to disbursement

    One contact through documents, LIC HFL’s checks, sanction, MODT and disbursement.

Good to know: we are an authorised DSA of LIC Housing Finance, and Vijay Arjun V is a DME (Direct Marketing Executive) appointed by LIC HFL; we are not LIC HFL itself. LIC HFL decides every loan under its own credit policy. For an existing LIC HFL loan (statements, EMI changes, foreclosure), contact LIC HFL at lichousing.com or 1800 209 1989.
Builders

Builders and projects we’ve financed

We work alongside Hyderabad developers so their buyers get LIC HFL loans without delays. See LIC HFL approved projects

  • NSL Nakshatra
  • Terminus The Line, Narsingi
  • Sansa County (villas)
  • Auroland (open plots)
  • Ameya Villas by Tattva Developers
  • Pavani Felicity
  • Radhey Skye
  • Prems Prasasthee, Chandanagar
  • Magna Villas
  • Mantoor Infrastructure
  • Praneeth Builders
  • APR Builders
  • Raaga
  • ELV Projects
  • Honer Homes
Photos

Moments with LIC HFL

  • Felicitation with the LIC HFL Chandanagar Area Office team
  • Vijay Arjun V felicitated by LIC HFL officials
  • V. Rama Rao with LIC HFL’s FY 2023-24 Certificate of Appreciation and trophy for Elite Associates
  • Recognition badge presented at an LIC HFL office review meeting
  • Vijay Arjun V with an LIC HFL official at a branch office
  • Vijay Arjun V and V. Rama Rao with an LIC HFL official

Visit us or start online

First Floor, Above Siri Pearls and Jewellers, Near JNTU Metro, Hydernagar, Kukatpally, Hyderabad 500085. Monday to Saturday.

Directions to our office

LIC HFL rates from 7.15%*

Know your eligibility before you commit.

Free assessment from an authorised LIC HFL DSA — no obligation.

Free eligibility check

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Disclaimer: Elite Financial Services operates as an authorized intermediary for home loan products offered by partner banks and Non-Banking Financial Companies (NBFCs) including HDFC, ICICI Bank, Axis Bank, LIC Housing Finance, and others. While we facilitate the loan application process, the actual loan disbursement is made directly by these financial institutions. Elite Financial Services is not a lender and does not own the brands or logos of these institutions. All trademarks, logos, and names used are the property of their respective owners and are used with permission solely to facilitate the loan services we provide.