LIC Home Loan 2026 – Get a loan of up to ₹5 crore at an interest rate of 7.15%

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

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.

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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:

Above 825 – 7.15 percent

800 to 824 – 7.25 percent

775 to 799 – 7.35 percent

750 to 774 – 7.45 percent

725 to 749 – 6.65 percent

700 to 724 – 7.95 percent

600 to 699 – 8.75 percent

Below 600 – 9.55 percent

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:

Above 825 – 5 crore

800 to 824 – 5 crore

775 to 799 – 50 lakh

750 to 774 – 50 lakh

725 to 749 – 50 lakh

700 to 724 – 50 lakh

600 to 699 – 35 lakh

Below 600 – 35 lakh

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Why is the LIC Home Loan option the best?

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.