LIC Housing Finance Limited (LIC HFL) has always been a reliable name in the financial industry and in 2025 it still offers the most secure and profitable Fixed Deposit (FD) schemes in the market. These FDs, which are secured by the LIC’s pedigree, will be the right option for the conservative investors who are in search of the protection of their capital and stable return.
What Is LIC Housing Finance FD?
LIC Housing Finance FDs are the corporate fixed deposits that are brought to you by LIC HFL, the daughter company of the Life Insurance Corporation of India. The deposits have high safety ratings and are known for providing consistent returns. They are ideal for individual investors, HUFs, and trusts who are interested in low-risk investment options with flexible tenure and payout modes.
Latest Interest Rates – November 2025
Take a sneak peek at the interest rates that LIC Housing Finance is providing for the deposits that are less than ₹2 crore currently:
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 1 year | 7.00% | 7.25% |
| 18 months | 7.10% | 7.35% |
| 2 years | 7.25% | 7.50% |
| 3 to 5 years | 7.35% | 7.60% |
Key Benefits of LIC HFL FDs
- High Safety: Rated AAA/Stable by CRISIL and CARE
- Flexible Tenures: From 1 year to 5 years
- Attractive Returns: Up to 7.60% for senior citizens
- Low Minimum Investment: Start with just ₹20,000
- Multiple Payout Options: Choose cumulative or non-cumulative interest
- Loan Facility: Avail loans against FD up to 75% of the deposit value
Senior Citizen Advantage
Senior citizens are given 0.25% additional interest throughout all the terms. That makes LIC HFL FDs a continuous income source for the retirees, more so when monthly or quarterly payout of the interest is an option.
Final Thoughts
In 2025, LIC Housing Finance FDs present the ideal combination of protection, adaptability, and pleasing yields. Individuals looking for risk-free guaranteed income will find them an excellent choice, given the interest rates reaching up to 7.60%. If you are either planning for retirement or want to secure your savings in a safe way, then LIC HFL FDs are a trustworthy option that should not be overlooked.
