LIC Housing Finance Home Loan for NRI

LIC Housing Finance NRI Home Loan Highlights
Interest Rate	7.50% p.a. onwards
Loan Amount	90% of the property value
Loan Tenure	Up to 30 years
Processing Fee	0.25% of the loan amount (Min. Rs 5,000 to Max. Rs 50,000); NIL processing fees for home loans up to Rs 20 crore for women borrowers

Rates as of 10 September 2025

LIC NRI Home Loan Interest Rates

LIC HFL Griha Prakash/Advantage Plus (Housing Component for CIBIL 700 and above)

CIBIL Score 800 and above

Loan Slab	Interest Rate (p.a.)
Up to Rs 5 crore	7.50% p.a.
More than Rs 5 crore to Rs 15 crore	7.75% p.a.

CIBIL Score 775 to 799

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	7.85% p.a.
More than 50 lakh & up to Rs 2 crore	7.90% p.a.
More than Rs 2 crore & up to Rs 15 crore	8.00% p.a.

CIBIL Score 750 to 774

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	7.95% p.a.
More than 50 lakh & up to Rs 2 crore	8.00% p.a.
More than Rs 2 crore & up to Rs 15 crore	8.10% p.a.

CIBIL Score 725 to 749

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.15% p.a.
More than 50 lakh & up to Rs 2 crore	8.20% p.a.
More than Rs 2 crore & up to Rs 15 crore	8.30% p.a.

CIBIL Score 700 to 724

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.50% p.a.
More than 50 lakh & up to Rs 2 crore	8.55% p.a.
More than Rs 2 crore & up to Rs 15 crore	8.65% p.a.

CIBIL Score 600 to 699

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	9.15% p.a.
More than 50 lakh & up to Rs 2 crore	9.35% p.a.
More than Rs 2 crore & up to Rs 15 crore	9.50% p.a.

 CIBIL Score less than 600

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	9.60% p.a.
More than Rs 50 lakh & up to Rs 2 crore	9.80% p.a.
More than Rs 2 crore & up to Rs 5 crore	10.00% p.a.

 CIBIL 150 to 200

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.00% p.a.
More than 35 lakhs & up to 2 crs	8.35% p.a.

 CIBIL 101 to 150

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.50% p.a.
More than 35 lakhs & up to 2 crs	8.85% p.a.

Loan towards Purchase of Residential Plots and Construction (Griha Bhoomi)

CIBIL Score 800 and above

Loan Slab	Interest Rate (p.a.)
Up to Rs 5 crore	7.70 % p.a.
Above Rs 5 crore to Rs 15 crore	7.95% p.a.

CIBIL Score 775 to 799

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.05% p.a.
Above Rs 50 lakh to Rs 2 crore	8.10% p.a.
Above Rs 2 crore to Rs 15 crore	8.20% p.a.

CIBIL Score 750 to 774

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.15% p.a.
Above Rs 50 lakh to Rs 2 crore	8.20% p.a.
Above Rs 2 crore to Rs 15 crore	8.30% p.a.

CIBIL Score 725 to 749

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.35% p.a.
Above Rs 50 lakh to Rs 2 crore	8.40% p.a.
Above Rs 2 crore to Rs 15 crore	8.50% p.a.

CIBIL Score 700 to 724

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	8.70% p.a.
Above Rs 50 lakh to Rs 2 crore	8.75% p.a.
Above Rs 2 crore to Rs 15 crore	8.85% p.a.

CIBIL Score 650 to 699

Loan Slab	Interest Rate (p.a.)
Up to Rs 50 lakh	9.35% p.a.
Above Rs 50 lakh to Rs 2 crore	9.55% p.a.
Above Rs 2 crore to Rs 15 crore	9.70% p.a.

 CIBIL Score 150 to 200

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.20% p.a.
More than 35 lakhs & up to 2 crs	8.55% p.a.

 CIBIL 101 to less than 150

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.70% p.a.
More than 35 lakhs & up to 2 crs	9.05% p.a.

LIC HFL Griha Suvidha

CIBIL Score 800 and above

Loan Slab	Interest Rate (p.a.)
More than 10 lakhs &up to 3 crs	7.75%

CIBIL Score 775 to 799

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	8.10%
Above Rs 50 lakh to Rs 2 crore	8.15%
Above Rs 2 crore to Rs 3 crore	8.25%

CIBIL Score 750 to 774

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	8.20% p.a.
Above Rs 50 lakh to Rs 2 crore	8.25% p.a.
Above Rs 2 crore to Rs 3 crore	8.35% p.a.

CIBIL Score 725 to 749

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	8.40% p.a.
Above Rs 50 lakh to Rs 2 crore	8.45% p.a.
Above Rs 2 crore to Rs 3 crore	8.55% p.a.

CIBIL Score 700 to 724

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	8.75% p.a.
Above Rs 50 lakh to Rs 2 crore	8.80% p.a.
Above Rs 2 crore to Rs 3 crore	8.90% p.a.

CIBIL Score 600 to 699

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	9.40% p.a.
Above Rs 50 lakh to Rs 2 crore	9.60% p.a.
Above Rs 2 crore to Rs 3 crore	9.75% p.a.

 CIBIL Score less than 600

Loan Slab	Interest Rate (p.a.)
Above Rs 10 lakh to Rs 50 lakh	9.85% p.a.
Above Rs 50 lakh to Rs 2 crore	10.05% p.a.
Above Rs 2 crore to Rs 3 crore	10.25% p.a.

 CIBIL Score 150 to 200

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.25% p.a.
More than 35 lakhs & up to 2 crs	8.60% p.a.

 CIBIL 101 to less than 150

Loan Slab	Interest Rate (p.a.)
Up to Rs 35 lakh	8.75% p.a.
More than 35 lakhs & up to 2 crs	9.10% p.a.

Sure Fixed Scheme

Loan Slab	CIBIL Score	Interest Rate (p.a.)
Up to Rs 15 crore	750 and above	10.00%
	below 750	10.25%

Types of LIC Housing Home Loans for NRI

Home Loan

Purpose: LIC Housing Finance Regular Home Loan for NRIs can be used for purchasing under-construction or ready-to-move homes and for the construction of own house

Tenure: Up to 30 years

LTV Ratio:

Loan amount up to Rs 30 lakh	90% of property value
Loan amount above Rs 30 lakh-Rs 75 lakh	80% of property value
Loan amount above Rs 75 lakh	75% of property value

NRI Plot Loan

• For purchasing residential plot from development authorities/government bodies/approved layout
  • Purpose: for purchase of residential plot from statutory authorities
  • LTV Ratio: 75% of the property value
  • Term: Up to 15 years

• Composite loan towards the purchase of plot and house construction
  • Purpose: loans are approved only if the construction is complete within 3 years from the date of the plot purchase
  • LTV Ratio: Up to 60% of the sanctioned amount is to be utilized towards plot purchase and the balance amount should be utilized towards the construction of the house
  • Term: Up to 30 years

Home Renovation Loan

Purpose: For financing improvement or renovation of existing home properties

Tenure: Up to 30 years

LTV Ratio:

Loan Amount	LTV Ratio
Up to Rs 30 lakh	90% of property value
Above Rs 30 lakh-Rs 75 lakh	80% of property value
Above Rs 75 lakh	75% of property value

Top-up Home Loan

• Top-up home loan is offered to existing customers with default-free housing loan seasoning
• Top-up loan is also offered to new borrowers who wish to transfer their existing home loan to LIC Housing Finance

Home Loan Balance Transfer

Purpose: Home loan balance transfer facility can be used for transferring existing home loans availed from other lenders to LIC Housing Finance at lower interest rates. The loan proceeds can be used for the construction or purchase of a house or flat from a private developer or housing boards and repairs/renovation to the existing properties. The applicants can get a waiver of 2 EMIs.

Tenure: Up to 30 years (for salaried); Up to 25 years (for self-employed)

LTV Ratio:

Loan amount up to Rs 30 lakh	90% of property value
Loan amount above Rs 30 lakh-Rs 75 lakh	80% of property value
Loan amount above Rs 75 lakh	75% of property value

Eligibility Criteria for LIC Housing NRI Home Loan

LIC Housing Finance NRI home loans can be availed by NRIs and PIOs. While the HFC has not explicitly stated its home loan eligibility criteria, it may consider the credit score, occupation profile, employer’s profile, etc of its home loan applicants, as used by many lenders for evaluating the home loan eligibility of their applicants.

Documents Required for LIC Housing NRI Home Loan

Income Documents

• For salaried individuals, salary slips and Form No.16
• For self-employed or professionals, IT returns of the last 3 years, along with financials
• Bank statements for the last 6 to12 months

KYC Documents

• PAN Card
• Aadhaar Card
• Passport, for NRIs
• Proof of residence

Property Documents (in case property is identified)

• Proof of ownership of property
• In the case of flats, allotment letter from builder/society
• Up-to-date tax paid receipt