HDFC Bank vs LIC Housing Finance Home Loan: Which Should You Choose?
A side-by-side comparison of HDFC Bank and LIC Housing Finance home loan on the things that affect your wallet. Figures are illustrative 2026 ranges — your actual offer depends on your profile.
HDFC Bank
Home Loan
- Interest rate
- from 8.5% p.a.
- Max amount
- ₹10 Crore+
- Max tenure
- 30 years
- Processing fee
- up to 0.5%
LIC Housing Finance
Home Loan
- Interest rate
- from 8.5% p.a.
- Max amount
- ₹15 Crore
- Max tenure
- 30 years
- Processing fee
- up to 0.5%
The verdict
HDFC Bank and LIC Housing Finance advertise similar starting rates, so your actual offer will come down to your credit profile, income and existing relationship. Compare both with a soft check and pick the lower total cost.
Compare your real offersSoft check — won't affect your credit score.
Choose HDFC Bank if…
- • Competitive floating rates
- • Tenure up to 30 years
- • Balance transfer & top-up
Choose LIC Housing Finance if…
- • Competitive rates
- • Special schemes for pensioners
- • Tenure up to 30 years
HDFC Bank vs LIC Housing Finance — FAQs
Which is better, HDFC Bank or LIC Housing Finance home loan?+
HDFC Bank and LIC Housing Finance advertise similar starting rates, so your actual offer will come down to your credit profile, income and existing relationship. Compare both with a soft check and pick the lower total cost.
Is HDFC Bank or LIC Housing Finance cheaper for a home loan?+
HDFC Bank starts from 8.5% p.a. and LIC Housing Finance from 8.5% p.a., but your final rate depends on your credit score and income. Always compare the total cost (rate + fees) over the full tenure.
Can I compare HDFC Bank and LIC Housing Finance on RupeeQuik?+
Yes. Compare your eligible offers from both with a soft credit check that doesn't affect your score, then apply to the best-fit option.
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