LIC Housing Finance home loan EMI calculator
This calculator starts at LIC Housing Finance's lowest published rate of 7.15%, so the first EMI you see is the best case. Its published range runs from 7.15% to 10.1%. The processing fee is 0.25% of loan up to Rs 1 crore, max Rs 15,000 + GST, and the longest tenure is 30 years. Your own rate depends on your credit score, income, loan amount and property type. It can be higher than the starting rate. A longer tenure lowers the EMI but raises the total interest, so try a few combinations below. The table shows the monthly EMI at 7.15% for common loan amounts and tenures. We collected these figures from public sources on 2026-10-26. Banks change rates often, so confirm with LIC Housing Finance before you apply. If you already pay a floating rate with LIC Housing Finance or another lender, our guide on lowering your rate lists your options.
Indicative, updated 2026-10-26. Source
₹50 L
- Principal amount
- Total interest
- Monthly EMI
- ₹39,216
- Principal amount
- ₹50,00,000
- Total interest
- ₹44,11,939
- Total amount
- ₹94,11,939
You'll pay ₹44.12 L interest on a ₹50 L loan.
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Worth knowing
Interest vs loan
You repay 0.88× your loan in interest alone.
When it tips
From year 11, more of each EMI repays the loan than pays interest.
One extra EMI a year
Pay one extra EMI each year to save ₹7.3 L and finish 2 yr 11 mo sooner.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹25 L | ₹29,221 | ₹22,681 | ₹19,608 | ₹17,909 | ₹16,885 |
| ₹50 L | ₹58,442 | ₹45,362 | ₹39,216 | ₹35,819 | ₹33,770 |
| ₹75 L | ₹87,662 | ₹68,043 | ₹58,825 | ₹53,728 | ₹50,656 |
| ₹1 Cr | ₹1,16,883 | ₹90,724 | ₹78,433 | ₹71,638 | ₹67,541 |
Common questions
- What is the LIC Housing Finance home loan interest rate?
- LIC Housing Finance home loan rates start at 7.15%. Its published range runs from 7.15% to 10.1%. Your rate depends on your credit score, loan size and income.
- What is the LIC Housing Finance processing fee?
- The published fee is 0.25% of loan up to Rs 1 crore, max Rs 15,000 + GST. Fees and taxes change, so ask LIC Housing Finance for the current figure before you apply.
- What is the longest home loan tenure at LIC Housing Finance?
- Up to 30 years, subject to your age and the bank's policy. A longer tenure gives a lower EMI but more total interest.
- Will I get the starting rate?
- Not always. The starting rate usually goes to borrowers with a strong credit score and stable income. Use the calculator to test a higher rate and see how the EMI changes.