Griha Suvidha Home Loan
For applicants paid partly in cash, those nearing retirement, or self-employed borrowers who need a longer tenure.
- 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.
*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
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.
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.
Yes, self-employed individuals with 2 years of ITRs — or with good business transactions through the bank — can apply under this scheme.
Helpful guides
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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.