Finance for the
home you're building,
not just buying.
Twenty years of advising families across Tiruchirappalli on home purchase, construction, renovation and transfer loans — with the paperwork handled quietly and the rate secured properly.
Two decades of getting Trichy families into the right home loan.
Ganesh Raj has spent 20 years inside the home loan process — not selling it from the outside, but working it as a direct employee of LIC HFL Financial Services Ltd. That distinction matters: enquiries move through the lender directly, without a broker's markup or a middleman's delay.
Over 3,000 families have been guided through purchase, construction, renovation, extension and balance transfer loans — each one handled with the same personal attention, from the first eligibility check to the final disbursement.
Direct Employee
No intermediary. Your file moves within LIC HFL itself.
Fast Processing
Documentation reviewed and pre-checked before submission.
Transfer Guidance
Move an existing loan to a better rate without friction.
Personalised Service
One advisor, start to finish — not a rotating call centre.
Quick Turnaround
Approvals and disbursements kept moving, week to week.
Trusted Advisor
3,000+ families, referred family to family since 2006.
Every stage of
the home, financed.
Thirteen loan products covering property, business and family needs — from an empty plot to a child's tuition abroad.
Model the loan
before you sign it.
Standard reducing-balance EMI formula. Minimum loan ₹25,00,000 · rates from 7.15% p.a. · minimum term 5 years.
What can you
actually borrow?
A 50% FOIR check — the same discipline lenders apply — run against a 7.19% base rate.
Bring your papers.
We'll handle the rest.
Reach out directly, or leave your details below and Ganesh will call you back — usually the same day.