LIC Housing Finance Limited Fixed Deposit interest rates · November 2026
What will my FD earn at LIC HFL?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
1 year |
6.70% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
15 months |
6.75% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
18 months |
6.85% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
2 years |
6.95% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
3 years |
7.20% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
5 years |
7.35% | – | Up to ₹3 crore | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
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LIC HFL FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank.
FD rates by tenure
1 year
6.70%- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 6.50%, quarterly 6.55%. Physical application; online applications by resident individuals earn 0.05% more.
- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 6.55%, quarterly 6.60%. Physical application; online applications by resident individuals earn 0.05% more.
- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 6.65%, quarterly 6.65%. Physical application; online applications by resident individuals earn 0.05% more.
- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 6.75%, quarterly 6.75%. Physical application; online applications by resident individuals earn 0.05% more.
- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 6.95%, quarterly 7.00%. Physical application; online applications by resident individuals earn 0.05% more.
- Yearly option (cumulative & non-cumulative). Non-cumulative payout rates: monthly 7.10%, quarterly 7.15%. Physical application; online applications by resident individuals earn 0.05% more.
Before you book
LIC HFL Fixed Deposit: frequently asked questions
What is the highest LIC HFL Fixed Deposit interest rate?
As of 14 Nov 2026, LIC Housing Finance Limited offers up to 7.35% p.a. on its fixed deposit (FD) (5 years) for general customers. Rates below are as published by the bank. Confirm with LIC HFL before investing.
What is the LIC HFL 1-year FD interest rate?
As of 14 Nov 2026, LIC Housing Finance Limited offers 6.70% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the LIC HFL 2-year FD interest rate?
As of 14 Nov 2026, LIC Housing Finance Limited offers 6.95% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the LIC HFL 3-year FD interest rate?
As of 14 Nov 2026, LIC Housing Finance Limited offers 7.20% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the LIC HFL 5-year FD interest rate?
As of 14 Nov 2026, LIC Housing Finance Limited offers 7.35% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at LIC HFL?
LIC Housing Finance Limited does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did LIC HFL last change its Fixed Deposit rates?
RateScan.in has recorded no change to LIC Housing Finance Limited's fixed deposit (FD) rates since it started tracking them on 26 Oct 2026.
What fixed deposit (FD) tenures does LIC HFL offer?
LIC Housing Finance Limited's published fixed deposit (FD) rate table has 6 tenure bands, from “1 year” to “5 years”.
Does LIC HFL pay more than the Post Office Time Deposit?
LIC Housing Finance Limited pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.70% (PO 6.90%), 2y 6.95% (PO 7.00%), 3y 7.20% (PO 7.10%), 5y 7.35% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with LIC HFL insured?
No. LIC Housing Finance Limited is a non-banking finance company, so its deposits are not covered by DICGC deposit insurance. Check its credit rating and financial strength before depositing.
How current are these LIC HFL rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Sept 2026. Rates can change without notice, so verify on the official LIC HFL website before investing.
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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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