# Griha Suvidha Asha Home Loan

Source: https://hyderabadhomeloans.com/griha-suvidha-asha-home-loan/ · Updated 26 Sep 2026

Home loans made simple for Group D employees and self-employed borrowers.

- For: Group D & self-employed
- Backed by: Mortgage guarantee
- Customers: New & existing
- Sanction: Online

Griha Suvidha Asha extends the Griha Suvidha scheme to Group D / Class IV employees and self-employed borrowers. Loans are backed by a mortgage guarantee, which helps LIC HFL lend to applicants who may not fit regular criteria.

The interest rate under Griha Suvidha Asha is 0.50% higher than LIC HFL’s other individual housing loans.

## Who can apply

- Permanent Group D / Class IV employees of Central or State Government with at least 2 years of service (with ITRs)
- Group D employees of other companies with at least 5 years of experience (PF establishments only)
- Self-employed individuals who have filed ITRs for 2 years
- Self-employed individuals with good business transactions through their bank account (banking surrogate)

## Key features

- Backed by a mortgage guarantee
- Online sanction facility
- Simple documentation, quick sanction and low EMI
- Available to both new and existing customers
- Interest rate is 0.50% higher than other LIC HFL individual housing loans

## 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.

## FAQs

### Who is Griha Suvidha Asha for?

Group D / Class IV employees (2+ years in government or 5+ years in a PF establishment) and self-employed borrowers with 2 years of ITRs or strong banking transactions.

### What is the interest rate?

It is 0.50% higher than LIC HFL’s other individual housing loans. We’ll confirm the exact rate for your profile before you apply.

### I’m self-employed with only 2 years of ITRs. Am I eligible?

Yes, self-employed individuals with 2 years of ITRs — or with good business transactions through the bank — can apply under this scheme.



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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.