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LIC Housing Finance – FD Rates

CRISIL: AAA/Stable

This institution last updated its deposit rates on 19-Jun-25.

DICGC Insurance: NIL
FD Rank: #34 of 59 banks
TENUREGeneralSenior
1 Year
6.70%
6.95%
15 Months
6.75%
7.00%
18 Months
6.75%
7.00%
2 Years
6.80%
7.05%
3 Years
6.85%
7.10%
5 Years
6.90%Best
7.15%Best
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
L

LIC Housing

6.90%5 years
Check all NBFCs
P

Punjab & Sind

6.85%666 days
Check all public banks
D

DCB

7.50%24 - 25 months
Check all private banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
P

Post Office

7.50%5 years
Check Post Office

About LIC Housing Finance

Bank Overview

Type
NBFC
Headquarters
Mumbai
Founded
1989
Branches
–
DICGC Coverage
Not Covered

Credit Ratings

CRISILAAA/Stable
CAREUnrated
ICRAUnrated
India RatingsUnrated

Frequently Asked Questions

Quick answers to the most common questions about LIC Housing Finance Fixed Deposits.

As of July 2026, LIC Housing Finance offers a highest interest rate of 6.90% p.a. for general citizens and 7.15% p.a. for senior citizens on fixed deposits.

LIC Housing Finance is a Non-Banking Financial Company (NBFC). NBFC deposits are generally rated by credit agencies but are NOT covered by DICGC insurance. Always check the credit rating before investing.

The minimum tenure for a fixed deposit with LIC Housing Finance starts from 1 Year. Longer tenures may offer higher interest rates.

Yes, LIC Housing Finance offers an additional benefit of up to 0.25% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, LIC Housing Finance currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.