Loan details
LIC HFL rates start at 7.40% (CIBIL 825+). Change it if your rate is different.
Your monthly EMI
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Enter your loan amount and tap Calculate EMI. Your EMI, total interest and repayment schedule will appear here.
- Loan amount
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- Total interest
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- Total payable
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- Loan closes
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Where your money goes
Amortization schedule
How each EMI splits between principal and interest, and what you still owe.
This is an indicative estimate. Final eligibility is subject to lender assessment. Default rate is LIC HFL’s current starting rate (7.40%, updated 31 October 2026); your rate depends on your CIBIL score and LIC HFL’s credit policy. Figures are rounded. Your inputs stay on your device unless you send us your name and mobile number.
LIC HFL home loan terms behind this calculator
- Interest rate: from 7.40% p.a. for salaried borrowers with a CIBIL score of 825 or more (LIC HFL rate card, October 2026). Your rate depends on your CIBIL score and loan amount; see LIC HFL home loan rates.
- Tenure: up to 30 years for salaried borrowers and up to 20 years for self-employed borrowers.
- Loan amount: up to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh (RBI limits).
Call or WhatsApp 88862 49998 for your exact eligibility, or try the eligibility calculator.
Frequently asked questions
Yes, but you pay more interest overall. Compare 20 and 25 years in the calculator to see the difference in total interest.
On a floating-rate loan the rate moves with LIC HFL’s benchmark, so the EMI or the tenure can change. On LIC HFL’s Sure Fixed scheme the rate is fixed for the whole term.
Usually the month after the full loan is disbursed. For under-construction homes you pay only interest (pre-EMI) on the amount disbursed until the final disbursement, unless you opt to start full EMIs earlier.
Turn this estimate into a sanction
Leave your name and mobile number and Vijay Arjun will call you back with your actual eligibility, the best-fit LIC HFL scheme and the documents you need. Authorised LIC HFL DSA since 2002.