# Griha Suvidha Home Loan

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

LIC HFL’s scheme for buyers paid partly in cash, nearing retirement, or needing a longer tenure.

- Rates from: 7.40%*
- Loan: ₹5L–₹3 Cr
- Cash salary: Up to 30%
- Processing fee: 0.25%, max ₹15k

Griha Suvidha makes home ownership accessible to people a regular home loan can miss — employees who get part of their salary in cash, applicants close to retirement who need a longer term, and self-employed borrowers who need an extended tenure.

## Who can apply

- Salaried applicants who receive part of their salary in cash (at least 70% must come through a bank)
- Applicants nearing retirement who want an extended loan term
- Self-employed individuals who want an extended loan term

## Key features

- Cash components such as OT, incentives, bonus or reimbursements not in Form 16 can count as additional income — up to 30% of total income
- Loan term up to the retirement age of the senior applicant whose income is considered
- Up to 2 cash-salaried borrowers can be co-applicants
- For cash-salaried borrowers, gross income is capped at ₹30,000/month for one borrower and ₹40,000/month in total for more than one
- Processing fee: 0.25% up to ₹1 crore (max ₹15,000 + GST); ₹20,000 + GST for ₹1–2 crore; ₹25,000 + GST for ₹2–5 crore

## 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

### Part of my salary is paid in cash. Can I still get a home loan?

Yes, under Griha Suvidha — as long as at least 70% of your salary comes through a bank. Cash components can count for up to 30% of your total income.

### I retire in a few years. Will the tenure be too short?

Griha Suvidha is designed for applicants nearing retirement who want an extended term. The term runs up to the retirement age of the senior applicant whose income is considered — adding a younger co-applicant can help.

### Is the rate higher than a regular home loan?

Usually slightly higher than LIC HFL’s regular Home Loan — Griha Suvidha rates start from 7.40%, compared with 7.15% for the regular Home Loan. We confirm the exact rate for your profile before you apply.



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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.