Archive · 23 Dec 2025
LIC Housing Finance Offers 7.15% Home Loans
LIC Housing Finance has lowered its home loan interest rates to 7.15%, which is cheaper than SBI's 7.25%.
This means if you take a loan of Rs 50 lakh for 20 years, you'll pay less every month and save money overall.
The lower rates are for people with good credit scores.
If you save the extra money, you could even invest it and earn more over time.
The Reserve Bank of India recently cut rates, which led to these changes.
LIC Housing Finance offers home loans at 7.15%, lower than SBI's 7.25%.
The new rates are effective from December 22, 2025.
Borrowers with good CIBIL scores can avail of these lower rates.
A Rs 50 lakh loan over 20 years at 7.15% has an EMI of Rs 39,216, saving Rs 303 per month compared to SBI.
Total savings over 20 years with LIC Housing Finance is Rs 72,720.
- Who
- LIC Housing Finance and SBI
- What
- Home loan interest rate comparison
- When
- Effective from December 22, 2025
- Where
- India
- Why
- To attract home buyers and offer affordable housing
- LIC Housing Finance Rate
- 7.15%
- SBI Rate
- 7.25%
- Loan Amount
- Rs 50 lakh
- Loan Tenure
- 20 years
- Monthly EMI (LIC)
- Rs 39,216
- Total Interest (LIC)
- Rs 44,11,939
- Monthly EMI (SBI)
- Rs 39,519
- Total Interest (SBI)
- Rs 44,84,512
