Compare: LIC Home Loan Vs HDFC Home Loan 2020

LIC home loan does loan disbursal’s through LIC housing finance. This is housing loan arm of Life insurance corporation of India. HDFC ltd has a dedicated branch network in almost top 100 cities where they disburse home loans.

LIC home loan uses the lic agent network also to disburse home loans where as HDFC Bank disburses for HDFC ltd.

Current Interest Rates and Fees of LIC housing Finance and HDFC Ltd:

Home Loan applications received for rupees ₹ 419,027 crores till 04 December 2020

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Loan Amount

Annual Income


120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 6.90% for women, 6.95% for Others.

Interest Rates 8.00% – 8.80% 8.10% – 8.95%
Processing Fees 0.50% Nil
Prepayment Charges Nil Nil
Repayment Time 30 Years 30 Years
Minimum Income 12000 10500
Minimum Loan Amount 3 Lakh 3 Lakh
Maximum Loan Amount Upto 50 Crore Upto 30 Crore
Lowest EMI per lakh Rs 734 Rs 745

HDFC ltd has come up with a tenure of 30 years for loans where as LIC housing has come up with special rates for women.

In terms of rates they both match each other but HDFC ltd is known for better customer service and quick disbursal’s.

Apart for the rates,

  • One need to check the loan eligibility for himself from both banks as per profile.

E.g- Hdfc can give you 50 lac as per your income and value of property where as Lic can give you 48, so if you need 50 you may have have to opt for Hdfc ltd.

  • Property Doable or not by both companies.
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Top Banks for Home Loans in India
Banks Interest Rates
SBI Home Loan 6.95% - 7.45%
HDFC Ltd Home Loan 6.95% - 7.50%
ICICI Bank Home Loan 6.95% - 8.05%
LIC Housing Home Loan 6.90% - 7.30%
DHFL Home Loan 9.75%
Axis Bank Home Loan 7.75% - 8.40%
Bank of Baroda Home Loan 6.85% - 7.85%
Canara Bank Home Loan 7.35% - 7.80%
Aadhar Home loan N.A