LIC Housing Finance Limited interest rates · November 2026
LIC HFL FD rates
All tenures, calculator and comparison →What will my FD earn at LIC HFL?
Overview
LIC Housing Finance Limited (LIC HFL) is a non-banking finance company (NBFC), headquartered in Mumbai, established in 1989.
Rates as of 1 Sept 2026, verified from official source. Non-banking finance company (NBFC): deposits are not insured by DICGC. Compare the credit rating along with the rate.
RBI record
Every RBI press release since 1 Jan 2024 that names LIC Housing Finance Limited, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹49,70,000
RBI's reason: “for non-compliance with certain provisions of the ‘Non-Banking Financial Company - Housing Finance Company (Reserve Bank) Directions, 2021’ issued by RBI”
What RBI found
“The company did not comply with certain provisions of Fair Practices Code contained in the said directions, when it i) did not disclose rate of interest and approach for gradation of risk and rationale for charging different rate of interest to different categories of borrowers in loan application forms and sanction letters and ii) had charged pre-payment penalty in housing loans on (a) floating rate basis which were pre-closed from any source and (b) fixed rate basis which were pre-closed from borrowers’ own sources.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the company with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
LIC HFL rates
Every rate, tenure by tenure, and what your money grows to.
LIC HFL Fixed Deposit rate changes
Changes to LIC HFL's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 26 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to LIC HFL's fixed deposit (FD) rates has been recorded since tracking started on 26 Oct 2026.
Good to know
- Deposits with LIC Housing Finance Limited are not insured by DICGC: if the company fails, you are an unsecured creditor. Check its credit rating and financial strength, and avoid concentrating savings in one NBFC. Senior citizens (60+) typically earn an extra premium over the published general rates.
- LIC HFL is a non-banking finance company, not a bank. Its deposits are not covered by DICGC insurance, so compare its credit rating and financial strength, not just the rate.
Informational only. Always confirm the current rate on the official LIC HFL website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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