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LIC Housing Finance is one of the biggest housing finance companies in India that offers several fixed deposit schemes to suit different investors. Currently, LIC Housing Finance offers three main types of FD schemes:
- Sanchay Public Deposits
- Corporate Fixed Deposits
- Green Deposits
As of 27th March 2026, LIC Housing Finance FD interest rates range from 6.70% to 6.90% p.a. for FDs up to ₹3 Crore under the Sanchay Public Deposit scheme. Seniors enjoy an additional 0.25% p.a.
To check out more details about the latest LIC Housing Finance FD interest rates, keep reading this article.
LIC Housing Finance FD Interest Rates – Sanchay Public Deposit
The Sanchay Public Deposit scheme is the most well-known FD scheme under LIC Housing Finance. Launched in 2007, it is rated AAA/Stable by CRISIL, meaning a good level of safety.
-
Cumulative FD Interest Rates
The following table displays LIC Housing Finance FD interest rates applicable for cumulative Sanchay Public deposits:
| Tenure | Up to ₹3 Crore | Above ₹3 Crore |
|---|---|---|
| 1 Year | 6.70% | 6.60% |
| 15 Months | 6.75% | 6.65% |
| 18 Months | 6.75% | 6.65% |
| 2 Years | 6.80% | 6.80% |
| 3 Years | 6.85% | 6.85% |
| 5 Years | 6.90% | 6.90% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
-
Non-Cumulative FD Interest Rates
The following table shows you LIC Housing Finance FD interest rates for 2026 on non-cumulative FDs:
| Tenure | Upto ₹3 Crore | Above ₹3 Crore | ||||
| Monthly | Quarterly | Yearly | Monthly | Quarterly | Yearly | |
| 1 Year | 6.50% | 6.55% | 6.70% | 6.40% | 6.45% | 6.60% |
| 15 Months | 6.55% | 6.60% | 6.75% | 6.45% | 6.50% | 6.65% |
| 18 Months | 6.55% | 6.60% | 6.75% | 6.45% | 6.50% | 6.65% |
| 2 Years | 6.60% | 6.65% | 6.80% | 6.60% | 6.65% | 6.80% |
| 3 Years | 6.65% | 6.70% | 6.85% | 6.65% | 6.70% | 6.85% |
| 5 Years | 6.70% | 6.75% | 6.90% | 6.70% | 6.75% | 6.90% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
Some Important Points to Note
- Sanchay Public Deposits can be opened by:
- Resident and non-resident Indians
- Guardians of minors
- HUFs
- Partnership firms
- Co-operative societies
- Trusts
- Interest is compounded annually under the cumulative option.
- Minimum deposit amount is ₹20,000.
- Non-cumulative options have flexible payout options.
- Senior citizens enjoy higher interest rates of 0.25% p.a. on all deposit tenures (below ₹3 Crores).
- 75% of the deposit amount can be borrowed as a loan.
- Premature withdrawal rules are as follows:
- Within 3 months: No interest is paid.
- 3 to 6 months: Individual depositors may get 3% p.a., while other categories get no interest.
- Post 6 months but before maturity date: Interest is paid at a 1% lower rate than the applicable rate (or up to 2% lower in certain cases if no rate is defined)
LIC Housing Finance FD Interest Rates – Corporate Deposit (up to ₹20 Crore)
LIC Housing Finance FD also offers FDs for companies and institutions. Let’s have a look at the LIC Housing Finance FD interest rates for corporate FDs in detail.
-
Cumulative Corporate FD Interest Rates
| Term | Up to ₹5 Cr | ₹5–10 Cr | ₹10–20 Cr |
|---|---|---|---|
| 1 Year | 6.60% | 6.65% | 6.70% |
| 15 Months | 6.65% | 6.70% | 6.75% |
| 18 Months | 6.65% | 6.70% | 6.75% |
| 2 Years | 6.80% | 6.80% | 6.80% |
| 3 Years | 6.80% | 6.80% | 6.80% |
| 5 Years | 6.80% | 6.80% | 6.80% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
-
Non-Cumulative Corporate FD Interest Rates
| Term | Up to ₹5 Crore | ₹5–10 Crore | ₹10–20 Crore | |||
|---|---|---|---|---|---|---|
| Quarterly | Yearly | Quarterly | Yearly | Quarterly | Yearly | |
| 1 Year | 6.45% | 6.60% | 6.50% | 6.65% | 6.55% | 6.70% |
| 15 Months | 6.50% | 6.65% | 6.55% | 6.70% | 6.60% | 6.75% |
| 18 Months | 6.50% | 6.65% | 6.55% | 6.70% | 6.60% | 6.75% |
| 2 Years | 6.65% | 6.80% | 6.65% | 6.80% | 6.65% | 6.80% |
| 3 Years | 6.65% | 6.80% | 6.65% | 6.80% | 6.65% | 6.80% |
| 5 Years | 6.65% | 6.80% | 6.65% | 6.80% | 6.65% | 6.80% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
Some Important Points to Note
- Corporate FDs from LIC Housing Finance are open to public and private companies, local authorities, banks, and other financial institutions that want to park funds in a fixed deposit scheme.
- Interest is compounded annually and paid at maturity for cumulative corporate FDs.
- Non-cumulative corporate FDs have quarterly and yearly interest payout options. Interest will be paid as per the following timelines:
- Quarterly: 1st July, 1st October, 1st January, and 31st March.
- Annual: On 31st March
- Minimum deposit amount is ₹20,000. Investment can be done in multiples of ₹1,000.
LIC Housing Finance FD Interest Rates – Green Deposit
-
Cumulative FD Interest Rates
LIC Housing Finance FD interest rates for cumulative green deposits are as follows:
| Tenure | Up to ₹3 Crore | Above ₹3 Crore |
|---|---|---|
| 1 Year | 6.60% | 6.50% |
| 18 Months | 6.65% | 6.55% |
| 2 Years | 6.70% | 6.70% |
| 3 Years | 6.75% | 6.75% |
| 5 Years | 6.80% | 6.80% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
-
Non-Cumulative FD Interest Rates
Non-cumulative green deposits at LIC Housing Finance earn at the following rates in 2026:
| Tenure | Up to ₹3 Crore(Monthly) | Above ₹3 Crore (Monthly) | Up to ₹3 Crore (Yearly) | Above ₹3 Crore (Yearly) |
|---|---|---|---|---|
| 1 Year | 6.40% | 6.30% | 6.60% | 6.50% |
| 18 Months | 6.45% | 6.35% | 6.65% | 6.55% |
| 2 Years | 6.50% | 6.50% | 6.70% | 6.70% |
| 3 Years | 6.55% | 6.55% | 6.75% | 6.75% |
| 5 Years | 6.60% | 6.60% | 6.80% | 6.80% |
Note: These interest rates are valid as of 27th March 2026. But please note that rates are subject to change.
Some Important Points to Note
- The Green Deposit scheme was launched under the RBI’s guidance to increase credit flow for green projects.
- The non-cumulative option under the Green Deposit scheme has both monthly and yearly payout options.
- Senior citizens get an additional interest of 0.25% p.a. on deposits of up to ₹3 Crore across tenures.
- Same premature withdrawal rules as Sanchay Public Deposits.
Looking for Better Returns? Try the FDs Listed on GoldenPi
For regular investors, LIC Housing Finance FD interest rates range from 6.60%-6.90% p.a. on deposits of up to ₹3 Crore under the Sanchay deposit scheme, while seniors enjoy 0.25% more. The highest FD rate is offered for a tenure of 5 years.
But if you’re looking for better returns and higher FD interest rates, you can check out the latest FD interest rates offered on bank and NBFC FDs on the GoldenPi platform. Here, you’ll find options to earn up to a maximum of 8.15% p.a.!
LIC Housing Finance FD Interest Rates 2026 FAQs
1. What is the highest FD interest rate offered by LIC Housing Finance in 2026?
As of 27th March 2026, the highest FD interest rate offered by LIC Housing Finance is 6.90% p.a. for regular depositors and 7.15% p.a. for senior citizens on a 5-year FD.
2. Are LIC Housing Finance FDs safe?
Yes. LIC Housing Finance FDs have a AAA/Stable CRISIL rating. This high credit rating indicates that the issuer has good stability and an extremely low default risk. This makes LIC Housing Finance FDs relatively safe options.
However, you should note that these FDs are not covered under the DICGC insurance cover.
3. What are the different interest payout options available with LIC Housing Finance FDs?
LIC Housing Finance FDs offer cumulative and non-cumulative payout options.
4. Can NRIs open a LIC Housing Finance FD?
Yes, NRIs can open LIC Housing Finance FDs.
Disclaimer:
This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.
Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.
