Home Loan
Buy a new, under-construction or resale flat or independent house.
- Fixed rate
- 10.00%*
- For
- Self-employed
- Loan
- Up to ₹15 Cr
- EMI
- Stays fixed
Quick answer: LIC HFL Sure Fixed is a fixed-rate home loan for self-employed borrowers: the rate, and your EMI, stay the same for the whole term. The fixed rate is 10.00% for CIBIL 750+ and 10.25% below 750, for loans up to ₹15 crore. It costs more than LIC HFL’s floating rate (from 7.30% for self-employed at CIBIL 825+).
By Vijay Arjun V (B.Pharm, PGDM): authorised LIC HFL DSA since 2002 and DME (Direct Marketing Executive) appointed by LIC HFL. Terms checked on lichousing.com on 14 October 2026.
Sure Fixed is LIC HFL’s fixed-rate home loan for self-employed borrowers. Your rate — and your EMI — stay the same for the entire tenure, whatever happens to market rates.
Fixed rates are usually higher than floating rates, so it suits borrowers who value certainty over the chance of paying less if rates fall. We’ll help you compare both before you decide.
Who can apply
- Self-employed borrowers
- Business owners who want a predictable EMI for budgeting
Key features
- Interest rate stays fixed for the whole tenure
- Unaffected by market rate changes
- Constant monthly payments make planning easier
- Trade-off: fixed rates are usually higher than floating rates, and you won’t benefit if rates fall
Sure Fixed rate
| CIBIL score | Fixed rate (loans up to ₹15 crore) |
|---|---|
| 750 and above | 10.00% |
| Below 750 | 10.25% |
Fixed or floating: what does certainty cost?
Our calculation, comparing Sure Fixed at 10.00% with LIC HFL’s floating self-employed rate of 7.30% (CIBIL 825+) at today’s level:
| Loan | Term | Sure Fixed EMI | Floating EMI today | Difference a month |
|---|---|---|---|---|
| ₹30 lakh | 15 years | ₹32,238 | ₹27,471 | ₹4,767 |
| ₹50 lakh | 20 years | ₹48,251 | ₹39,670 | ₹8,581 |
Floating rates can rise or fall over the years, so the real difference depends on future rates. Choose Sure Fixed if a predictable EMI matters more to you than the chance of paying less.
Who should consider Sure Fixed?
- Self-employed borrowers who want a fixed EMI for business budgeting
- Borrowers who expect rates to rise and want to lock in
- Not ideal if you plan to prepay heavily or close early: check prepayment terms on fixed-rate loans before you sign
Self-employed and comparing options? See LIC HFL home loan for self-employed and LIC HFL home loan rates, October 2026.
Source: lichousing.com Sure Fixed Scheme page (fixed rates by CIBIL score, pros and cons) and home loan page (self-employed floating rates), checked 14 October 2026. EMI figures are our calculations.
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
Fixed gives you a guaranteed EMI but usually a higher rate (from 10.00% vs 7.15% floating today). Floating is cheaper now but moves with rates. We’ll show you both EMIs side by side.
It’s designed for self-employed borrowers, for loans up to ₹15 crore.
Pre-payment terms for fixed-rate loans can differ from floating-rate loans. We’ll confirm the current terms with LIC HFL for your loan before you sign.
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Hyderabad Home Loans (Elite Financial Services) 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.