LIC Home Loan 2026: The last days of 2025 are just around the corner, and the new year 2026 is about to begin. If you are planning to buy your own home in the new year, it is very important to first know the home loan interest rates of different banks and NBFCs. Even a small difference in interest rates can save you lakhs of rupees on your loan because home loans are long-term and large loans. Currently, LIC Housing Finance is offering home loans to its customers at the lowest interest rates.
Features of LIC Housing Finance Home Loan
📌 Also Read: Farmers will receive a Rs 2,000 installment in the second month of 2026! Get the update
LIC Housing Finance home loan interest rates start from 7.15%. If you have a good credit score, you can get a loan of up to Rs 5 crore at this interest rate. However, interest rates may increase if your credit score is low.
Read Here: Business Ideas: Start This Business as the Year Begins, Earn Bumper Profits
📌 Also Read: Business Idea: Start This Easy Business With Just 50,000 Rupees, Earn 10 Lakh Rupees Annually!
Interest Rate Based on Credit Score
LIC Housing Finance offers interest rates to its customers based on their credit score. The current interest rates are as follows:
📌 Also Read: LIC’s New Year Gift: These 4 LIC Policies Can Make You a Crorepati Along With Full Life Cover
Above 825 – 7.15 percent
800 to 824 – 7.25 percent
📌 Also Read: Forgot your Aadhaar Card at Home? Do not worry, Here's an Easy Solution
775 to 799 – 7.35 percent
750 to 774 – 7.45 percent
📌 Also Read: Yogi government will also deposit instalments into weavers’ accounts every quarter, learn the update
725 to 749 – 6.65 percent
700 to 724 – 7.95 percent
📌 Also Read: LPG: Will domestic gas cylinders become more expensive? Know govt's plan
600 to 699 – 8.75 percent
Below 600 – 9.55 percent
📌 Also Read: Gold Price Drops - Price Falls ₹3,050 Today, Check Updated 24K, 22K & 18K Rates in Metro City
Maximum Loan Amount Based on Credit Score
The better your credit score, the larger the maximum loan amount you will receive. According to LIC Housing Finance, the maximum loan amount is as follows:
📌 Also Read: EPFO Digital Overhaul: Paperless PF Withdrawal System Rolled Out, Detail Inside
Above 825 – 5 crore
800 to 824 – 5 crore
📌 Also Read: Big Alert for Maharashtra Women: Ladki Bahin Yojana e-KYC Mandatory Before 31 December
775 to 799 – 50 lakh
750 to 774 – 50 lakh
📌 Also Read: 18% Jump in Just Two Days! This 60-Paise Stock Shocks the Market
725 to 749 – 50 lakh
700 to 724 – 50 lakh
📌 Also Read: New Bank Rule: These 3 Types of Accounts May Be Closed from January 1, Check Details
600 to 699 – 35 lakh
Below 600 – 35 lakh
📌 Also Read: PM Surya Ghar Yojana - Get up to Rs 78,000 in Subsidy and 300 Units of Free Electricity, Say Goodbye to Electricity Bills
Read Here: Top 5 OnePlus Phones Under Rs 55,000 in 2025 with powerful cameras
Why is the LIC Home Loan option the best?
📌 Also Read: Ration Card Update — Will Buying a Car Lead to Ration Cancellation? Check New Government Rules
LIC Housing Finance’s home loan is beneficial for those who want a large loan at a low interest rate. This loan is available at an interest rate of 7.15% for customers with a good credit score. This reduces the overall cost of the home loan and saves lakhs of rupees in the long run.