LIC Housing Finance Ltd. (LIC HFL), one of India’s foremost housing finance institutions, has completed an illustrious 36-year journey since its inception in 1989. With decades of trust, unwavering service, and deep-rooted customer relationships, the organization celebrates this milestone by reaffirming its mission of making homeownership accessible to millions of Indians.
To mark this significant occasion, LIC HFL has rolled out a special limited-time offer of Zero Processing Fees on all individual home loans. This initiative is valid for loans sanctioned between 1st June to 30th June 2025, offering a major financial relief to aspiring homeowners and existing customers seeking housing finance.
A Legacy of Trust and Growth
Established in 1989, LIC HFL has grown into a cornerstone of India’s housing finance sector. With a loan book exceeding ₹3.07 lakh crore, the company has played a pivotal role in realizing the dreams of over 34 lakh families who have secured a place they can call their own. Over the years, LIC HFL has consistently prioritized customer-centric policies and sustainable growth, earning its reputation as a reliable financial partner across generations.
Emotional Connection Through Brand Storytelling
As part of its 36th Foundation Day celebrations, LIC HFL unveiled a new brand film titled “Apna Ghar Toh Apna Hi Hota Hai”. The film is a heartwarming narrative that illustrates the everyday joys and emotional fulfillment that come with owning a home. Whether it’s children playfully scribbling on walls or families making décor decisions together, the film reflects the essence of home as a space of freedom, love, and identity.
Inclusive Housing and Social Commitment
In the past year, LIC Housing Finance has further reinforced its vision of inclusive growth through multiple targeted initiatives. Prominent among them are:
- Apna Ghar, Apni Pehchaan – A special campaign aimed at empowering women by offering zero processing fees and encouraging homeownership among female borrowers.
- Griha Rakshak – A scheme designed to support defense personnel with exclusive housing finance benefits, also waiving processing charges.
Beyond its core business, LIC HFL has remained deeply invested in creating lasting social impact through its Corporate Social Responsibility (CSR) activities. The company has allocated more than ₹462 crore toward CSR, supporting over 380 projects across 26 states and 5 union territories.
These initiatives have directly impacted over 42.27 lakh beneficiaries, while indirectly influencing the lives of nearly 79.82 lakh people, contributing meaningfully to community development and national welfare.
Driving Change through Flagship Programs
LIC HFL’s CSR efforts are diverse, spanning crucial areas such as:
- HRIDAY – For holistic rural development
- LIFE – Focusing on women’s empowerment
- Sujalam – Promoting water conservation
- Sanjeevani – Healthcare outreach and accessibility
- Udhyam – Enhancing skill development for employability
- SATHI & CTH – Supporting education infrastructure and digital learning
- Vidyadhan – Providing scholarships to deserving students
- Nirnayam – Funding scientific and academic research
- Sangam – Promoting locally sourced and GI-tagged products
- Green Tomorrow – Encouraging waste management and sustainability
- Charge for Change – Advancing renewable energy solutions
- Humanitarian Assistance – Offering relief during natural calamities and crises
These programs are active in over 70 aspirational districts and 100+ development blocks, extending LIC HFL’s reach far beyond urban centers into underserved regions.
Leadership Speaks
On the occasion, Mr. Tribhuwan Adhikari, Managing Director and CEO of LIC Housing Finance Ltd., shared his thoughts:
“This Foundation Day is a moment of pride and reflection for all of us at LIC HFL. As we complete 36 years of dedicated service, we renew our commitment to making housing finance inclusive, accessible, and customer-first. Our journey has been defined by the trust our customers place in us, and we aim to continue empowering every Indian to own a home. Financial institutions must do more than lend—they must uplift and enable. That’s the vision we carry forward.”
Looking Ahead
As LIC HFL steps into its 37th year, the organization remains committed to innovating in its services and expanding its role in social development. Whether through digital transformations, personalized financial products, or impactful community programs, LIC HFL continues to shape the future of housing finance in India with compassion, responsibility, and integrity.
