LIC HFL Home Loans: Are You Getting the Best Rate?

LIC Housing Finance is targeting aggressive loan book growth in the second half of FY2027. If you have or want a home loan, here's what this expansion means for your EMI, eligibility, and negotiating power.

Here's what happened: LIC Housing Finance has signalled double-digit loan book growth targets for H2 FY2027, with its overall portfolio aiming toward ₹3.5 lakh crore.. The company is expanding into project finance — loans to builders and developers — which typically carries higher margins than plain retail home loans.. This push comes as India's housing finance sector is seeing intensified competition among HFCs, banks, and NBFCs for the same pool of salaried home loan borrowers..

What you should do: Check your current home loan interest rate against today's offers from LIC HFL, SBI, HDFC, and Bajaj Housing Finance — even a 0.25% difference on ₹40L saves over ₹60,000 across your tenure.. Call your existing lender and request a formal rate reset if your floating-rate loan hasn't been repriced after RBI's recent repo rate cuts — lenders are not required to inform you proactively.. If you are buying an under-construction flat, verify that your project has secured construction finance from a regulated HFC or bank — this reduces the risk of a stalled project..

When an HFC is in growth mode, their credit teams have monthly disbursement targets. Apply in the last week of March or September — you often get faster approval and slightly better processing terms.