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LIC Housing Finance
CRISIL: AAA/StableSafety:NBFC Safety:Good
•DICGC Insurance: NIL
Bank Overview
Type
NBFCHeadquarters
MumbaiFounded
1989Branches
–DICGC Coverage
Not CoveredCredit Ratings
CRISIL
AAA/StableStrong
CARE
Unrated
ICRA
Unrated
India Ratings
Unrated
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, LIC Housing Finance offers up to 7.35% p.a. on Fixed Deposits and up to 0.00% p.a. on Savings Accounts based on the balance slabs maintained.
LIC Housing Finance is an NBFC. NBFC deposits are NOT covered by DICGC insurance but are rated by credit agencies like CRISIL/CARE/ICRA.
The minimum tenure for a fixed deposit with LIC Housing Finance starts from 1 Year. Senior citizens receive an additional interest rate benefit of up to 0.25% p.a. over general citizen rates.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
LIC Housing Finance FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,870
MATURITY DATE
19 Sept 2027
Interest rate6.70% p.a.
Principal₹1,00,000
Total interest₹6,870
Indicative only. Actual figures may vary.