Home Loan
Buy a new, under-construction or resale flat or independent house.
- Rates from
- 7.15%*
- Tenure
- Up to age 80
- Max term
- 30 years
- Entry age
- Up to 65
LIC HFL’s Home Loan for Pensioners is built for people drawing — or about to draw — a pension under a Defined Benefit Pension Scheme (DBPS).
You can repay until you turn 80 (maximum 30 years), and add your working children as co-applicants so their income raises the loan amount you qualify for.
Who can apply
- Individuals drawing pension under a Defined Benefit Pension Scheme, up to 65 years of age
- State government employees eligible for DBPS pension
- Employees of PSU insurers, PSUs, nationalised banks, and Central / State Government eligible for DBPS pension
Key features
- Loan term up to the age of 80 of the pensioner, or 30 years — whichever is earlier
- Spouse must be a joint applicant, whoever owns the property
- Children can be co-applicants; their income is added for a longer term and higher eligibility
- If a younger co-applicant’s income is used, the term runs up to 30 years or until that applicant turns 80, whichever is earlier
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
Until you turn 80, or for a maximum of 30 years — whichever comes first.
Yes. Children can be co-applicants and their income is added to increase the eligible loan amount and allow a longer term. Your spouse must also be a joint applicant.
People drawing pension under a Defined Benefit Pension Scheme (up to 65 years of age), and government, PSU and nationalised-bank employees who will be eligible for such a pension.
Helpful guides
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Repairs and improvements to the home you already own.
Home Loan Balance Transfer
Move your existing home loan from another lender to LIC HFL.
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.