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UBLIC DEPOSIT SCHEME

LIC HOUSING FINANCE LIMITED is one of Indias largest Housing Finance Companiesproviding financial assistance in the construction and purchase of house/flat since 1989; havingnation-wide network across 7 Regional Offices, 15 Back Offices and 188 Marketing Units.

LIC Housing Finance Limited has started the Public Deposit Scheme from 10 th May, 2007onwards.

The Deposits accepted under Cumulative Option and Non-Cumulative Option. The terms of thedeposits are 1 year, 18 months, 2 years, 3 years & 5 years in both the schemes. The paymentof interest under cumulative Option will be compounded with half yearly rest. Under Non-Cumulative Option, interest will be paid half yearly i.e., 30th September and 31st March.

For Senior Citizens, Additional interest of @ 0.10% p.a. will be more on deposits uptoRs.50,000/- and 0.25% will be more on deposits above Rs.51,000/- payable for all the terms. The Company accepts deposits through authorized Agents appointed for the same by the

Company. The cheques can be deposited through Corporation Bank, CAPS Branch under FCSfacility with customer code as LHF3920.The Form should be submitted after due compliance of KYC norms.APPLICATION FORM:

Investors can down load Public DepositApplication Formfrom this website.

Cheque/Demand Draft for placing deposits should be drawn in favour of LIC HOUSINGFINANCE LIMITED-PUBLIC DEPOSIT A/C and marked Account Payee only.Outstation depositors can send demand drafts after deducting the demand draft charges.

RATE OF INTEREST:

The Company has revised the rates of interest on Public Deposits with effect from 1 st November,2012 as under :RATE OF INTEREST APPLICABLE TO RETAIL DEPOSIT UP TO RS. 5 CRORE

Rate of interest applicable to Retail Deposit up to Rs. 5 Crs.

TermRevised ROIper annum onDeposits from

GeneralPublic

Revised ROI perannum on

Deposits fromSenior Citizens

up to Rs.50,000/-

Revised ROI perannum on

Deposits fromSenior Citizens

above Rs.51,000

1 YEAR 8.75% 8.85% 9.00%18 8.75% 8.85% 9.00%

http://www.lichfl.com/lichousing/loans/LICHousingFinance.pdfhttp://www.lichfl.com/lichousing/loans/LICHousingFinance.pdfhttp://www.lichfl.com/lichousing/loans/LICHousingFinance.pdfhttp://www.lichfl.com/lichousing/loans/LICHousingFinance.pdf

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MONTHS2 YEARS 9.00% 9.10% 9.25%3 YEARS 9.25% 9.35% 9.50%5 YEARS 9.50% 9.60% 9.75%

Interest is Payable/Compoundable Half Yearly.FOR DEPOSIT MORE THAN RS. 5 CRORE:

In case any investor intends to make a public deposit for more than Rs. 5 crore, he has to get the rate ofinterest and brokerage rate, if applicable, confirmed from the Company in writing before depositing thecheque. Splitting of deposit/s is/are not allowed.In case any investor makes multiple deposits having denomination of less than or equal to five crore, butaggregate deposit amount(all the deposits placed together by the same investor) in 60 days, irrespectiveof the location of the deposit, exceeds rupees five crore amount, then it is considered as bulk deposit ofmore than five crore and the Company will apply the rate of interest on deposit and brokerage rate asthey are applicable to bulk deposit on the day on which the aggregate amount of deposits exceeds five

crore. If there is a gap of 60 days between two deposits having denomination of less than five crore, thensuch deposits will be treated as independent deposits and they will not be considered together.