LIC Housing Finance Fixed Deposit Rates 2026

Note: The interest rates are effective from 1 September 2026. 

Non-Cumulative Public Deposit

Note: The interest rates are effective from 1 September 2026. 

LIC Housing Finance Corporate FD Rates

These rates apply to Corporate Deposits up to Rs.3 crore. Deposits above Rs.3 crore are assessed individually and are subject to approval by LIC Housing Finance's Treasury Management Committee. 

Note: The interest rates are effective from 1 September 2026. 

Features of LIC FD Rates

• The minimum amount of deposit for monthly option is Rs.2 lakh.
• The minimum amount of deposit for yearly option is Rs.20,000
• Additional deposits can be made in the multiples of Rs.10,000 for monthly deposits and Rs.1,000 for yearly deposits.
• Senior citizens receive an additional 0.25% of deposits from Rs.20,000 up to Rs.3 crore 
• Nomination facility available
• Automatic renewal option after maturity
• Part withdrawal facility on the deposits
• Availability of loan
• LIC HFL also runs a separate Green Deposit scheme, offering tenure-linked interest rates for investors funding environmentally sustainable projects. 

LIC Housing Finance FD Sanchay Scheme

• SANCHAY is the Public Deposit scheme by LIC Housing Finance Limited. The company started to accept deposits from May 2007.
• The deposit can be made by HUF, Limited and Private Limited Companies, Resident Individuals, NRI, Association of Persons, and Co-operative Societies.
• The minimum amount you can invest is Rs.20,000 (yearly option)
• You can open the FD for duration of 1 year, 15 months, 18 months, 2 years, 3 years and 5 years.
• The deposit can be placed under Cumulative and Non-Cumulative options.
• Deposits will be accepted in joint names not more than three
• NRIs can open a deposit for 3 years.
• The interest will be paid on an annual basis.
  

How to Open an FD with LIC Housing Finance

• Individual
• Joint account Minor with a guardian
• Partnership
• Company
• Any association or Institute
• NRIs

Documents Needed to Open an LIC FD

• Application Form
• Depositor's photograph (2 copies)
• Identity proof & Address proof as per KYC Norms
• PAN Card copy/ Form 60 or 61
• Aadhaar Card
• NRIs must additionally submit an NRO account declaration and a FATCA/CRS declaration along with the standard KYC documents. 

LIC Housing Finance Fixed Deposit Rates - Premature Withdrawal

Withdrawal can be made on completion of 3 months after the commencement of FD

No interest is paid if the deposit is withdrawn within 3 months of the date it was placed. 

Loan Against LIC Housing Finance Fixed Deposit

• You can get a loan against your deposit up to 75% of the deposit amount and the interest will be 2% p.a, (annual) above the interest rate of the deposit. The deposits have to be for a minimum period of 3 months.
• The outstanding loan with the interest can be settled in one go or can be adjusted against the maturity value.
• The facility is not available for the deposit in the name of minors and NRI.

LIC FD Interest Calculation Guide

It is very easy to calculate the interest that you will earn out of your LIC HFL FD. This can be done before you apply for the term deposit to know how much you will earn from the investment. There are many factors that you have to take into account to calculate LIC HFL FD interest rate.

Factors Affecting LIC Housing Finance FD Maturity

• The amount/principal invested: The deposit amount is a very crucial and significant factor that impacts the total value of your investment. Generally, the higher the investment amount, the more you will earn out of it.
• Rate of interest: The interest rate offered by the company is also a major factor that affects the total interest that is earned on a particular deposit. In most cases, the interest rate is directly proportional to the tenure range.
• Tenure of deposit: As far as LIC HFL is concerned, they pay more for those investing in longer tenure FDs.
• Interest computation frequency: How the interest is computed on a certain FD determines how much money you will eventually make out of it after the maturity period.
• Taxation: The amount of Tax Deducted at Source (TDS) also has an impact on the total interest income that you will earn from the investment that you make in an FD.

LIC HFL FD Interest Calculator

An FD interest calculator is used to compute the total maturity amount of the term deposit by keying in relevant information such as principal amount, rate of interest, tenure, etc. An online FD interest calculator can be used to make this calculation.

Benefits of Investing in LIC Housing Finance Fixed Deposit

• The LIC HFL FD is rated as a stable and safe investment to make by CRISIL. This means that the investment is a highly stable one that offers guaranteed returns
• The interest rates offered on LIC fixed deposits are very competitive and offer a higher rate of return when compared to your average savings account.
• There are a wide range of term deposit schemes that one can choose from, including different tenure ranges and interest payout options

Key Factors Influencing LIC FD Rates

The interest rates offered by LIC HFL depend on a number of factors. These may include both internal and external determinants. Some of these factors could be Reserve Bank of India (RBI) policies, economic conditions, market fluctuation and also the liquidity position of LIC. Let us take a look at some of these elements:

• Economic Conditions: Certain economic developments play a huge role in determining the interest rates offered by banks and financial institutions in the country. In most growing economies, people usually try to avail credit to meet their financial needs. Also, when there is high demand for credit, banks may offer higher interest rates to invite more depositors.
• Rise in Prices: Among other factors, inflation is also one of the main factors that have an impact on term deposit rates. This determines the interest rates that banks and other financial institutions offer to a large extent.
• Recession: Recession will usually tend to have a negative effect on interest rates in most cases. This is the time when banks and financial institutions will start lowering the rate of interest that is offered on most financial products.
• RBI Policies: RBI policies and guidelines play a crucial role in determining the interest rates in the economy.

Summary 

LIC Housing Finance (LIC HFL) offers Sanchay fixed deposits with cumulative and non-cumulative payout options, tenures from 1 to 5 years, and an additional 0.25% p.a. for senior citizens. The scheme carries an AAA/Stable rating from CRISIL and accepts deposits from individuals, HUFs, companies, co-operative societies and NRIs. Check the interest rate tables above for the latest LIC HFL FD rates before investing.