LIC HFL Apprentice Recruitment 2026: Apply Online for 250 Graduate Apprentice Posts, Eligibility, Monthly Stipend ₹18,000, Selection Scheme at lichousing.com

LIC Housing Finance Limited (LIC HFL); India; On-site; INR 167,000 - 201,000; Full time

Job summary

LIC HFL invites graduates for the Graduate Apprentice program across North, East, West, South and Central Regions. A total of 250 posts are available.

Eligible candidates must have a Bachelor’s Degree with at least 55% marks (50% for reserved categories) and possess Computer Operating Proficiency. The apprenticeship offers a monthly stipend of ₹15,000 to ₹18,000, with selection based on online processes and DV/Medical checks.

Qualifications

• Bachelor’s Degree in any discipline with minimum 55% aggregate marks (50% for SC/ST/PwBD)
• Computer Operating Proficiency
• Apprenticeship opportunity under LIC HFL with structured training

Skills

Computer Operating Proficiency

Education

Bachelor’s Degree (Graduation in any discipline)

Job description

LIC HFL Apprentice Recruitment 2026: Apply Online for 250 Graduate Apprentice Posts, Eligibility, Monthly Stipend ₹18,000, Selection Scheme at lichousing.com

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Short Summary: LIC HFL Apprentice Recruitment 2026: Apply online for 250 Graduate Apprentice vacancies at lichousing.com. Check graduation eligibility, monthly stipend (up to ₹18,000), online examination scheme & direct registration link.

LIC HFL Apprentice Recruitment 2026: Apply Online for 250 Graduate Apprentice Posts, Eligibility, Monthly Stipend ₹18,000, Selection Scheme at lichousing.com

LIC Housing Finance Limited (LIC HFL) : Short Details

• Official LIC HFL Advertisement Released : 24 October 2026
• Online Examination Call Letter : First Week of December 2026
• Document Verification & Medical : January 2027
• Commencement Of Apprenticeship Training : February 2027

Post Name

Total Posts

Eligibility & Qualification

Graduate Apprentice (North, East, West, South & Central Regions) 250 Posts Bachelor's Degree (Graduation in any discipline) from a recognized University with minimum 55% aggregate marks (50% for SC/ST/PwBD) + Computer Operating Proficiency.

The online registration gateway was officially opened on 25 October 2026, and the statutory closing date for registration and fee payment is 18 November 2026. Applicants must ensure they fulfill all essential educational qualifications, age parameters, and professional skill standards as on the crucial cutoff date. Early submission of applications is strongly advised to circumvent network congestion and technical gateway failures during the final days of registration.

This recruitment exercise represents one of the most keenly anticipated employment drives of the fiscal year. Selected personnel will actively participate in executing core ministerial policies, mission-critical technological initiatives, public infrastructure management, and administrative governance. Given the extensive pan-India competition, aspirants are encouraged to initiate their preparation early, align their study schedules with the revised examination pattern, and strictly adhere to the regulatory mandates established by the governing recruitment commission.

Candidates are advised that all official communications, including admit cards, examination venue schedules, response sheets, answer keys, and final merit rankings, will be processed digitally through the verified institutional domain. Under no circumstances will physical call letters or paper admit cards be dispatched through postal channels. Maintaining active email coordinates and valid mobile phone numbers throughout the recruitment cycle is an absolute administrative necessity.

The administrative hierarchy within LIC HFL emphasizes meritocracy, institutional transparency, and high professional standards. Successful entrants will undergo comprehensive institutional induction training designed to familiarize them with statutory service codes, official workflows, departmental technologies, and public service ethics prior to active field posting.

Recruitment Parameter

Advertisement Number (विज्ञापन संख्या) LIC-HFL/APP/01/2026

Total Sanctioned Posts (कुल रिक्तियां) 250 Posts Vacancies

7th CPC Pay Matrix & Scale (वेतनमान) Monthly Consolidated Stipend ₹15,000 (Category B/C) to ₹18,000 (Category A Cities)

Selection Methodology (चयन प्रक्रिया) Online Objective Examination (100 Marks, 60 Minutes) -> Document Scrutiny -> Pre-Joining Medical

Candidates are legally bound to adhere strictly to the schedule established by LIC HFL. Late form submissions, delayed fee confirmations, or documents received past the deadline will be summarily rejected without administrative recourse. The table below outlines the comprehensive recruitment schedule:

Recruitment Milestone / Event

Official Scheduled Date

Operational Guidelines & Timings

Official LIC HFL Advertisement Released 24 October 2026 Official administrative schedule finalized by LIC HFL

Online Registration Gateway Opens 25 October 2026 Official administrative schedule finalized by LIC HFL

Closing Date for Form Submission & Fee 18 November 2026 (11:59 PM) Official administrative schedule finalized by LIC HFL

Online Examination Call Letter First Week of December 2026 Official administrative schedule finalized by LIC HFL

Online Computer Based Test Date December 2026 Official administrative schedule finalized by LIC HFL

Document Verification & Medical January 2027 Official administrative schedule finalized by LIC HFL

Commencement of Apprenticeship Training February 2027 Official administrative schedule finalized by LIC HFL

Applicants must regularly check the institutional portal to track announcements regarding examination venue allocations, admit card release notifications, and potential schedule revisions caused by administrative contingencies or public elections.

The sanctioned 250 Posts vacancies are scientifically allocated across various social reservation groups and functional trades in strict adherence to constitutional reservation quotas and administrative norms:

Total Posts

Graduate Apprentice (North, East, West, South & Central Regions) 250 Posts Bachelor's Degree (Graduation in any discipline) from a recognized University with minimum 55% aggregate marks (50% for SC/ST/PwBD) + Computer Operating Proficiency.

Candidates belonging to reserved categories (SC, ST, OBC-NCL, EWS) must ensure that their caste and income certificates are issued in the prescribed central/state government formats by the competent revenue authority (Tehsildar/SDM/District Magistrate) on or before the application cutoff date. Failure to produce valid documentation during Document Verification (DV) will result in immediate cancellation of reservation benefits and treatment under the Unreserved (General) category.

Horizontal reservations for Persons with Benchmark Disabilities (PwD), Ex-Servicemen, and meritorious sports persons are adjusted against the respective vertical social category to which the candidate belongs. PwD applicants must furnish a valid disability certificate indicating not less than 40% permanent disability issued by an authorized Medical Board.

The appointing authority reserves the administrative prerogative to augment or curtail the number of vacancies at any stage of the recruitment process without assigning prior justification. Any revision in vacancy figures will be published as an official addendum on the designated portal.

Applicants must satisfy all statutory eligibility conditions on or before the closing date of application (18 November 2026). The commission conducts stringent credential audits at the time of document verification:

• Bachelor's Degree: Graduation in any discipline (B.A., B.Sc, B.Com, B.Tech, BBA, BCA) from a recognized Indian University with minimum 55% aggregate marks.
• Age Limit Anchor: Born not earlier than 02 October 2001 and not later than 01 October 2006 (both dates inclusive).
• Prior Experience Bar: Candidates who have already undergone apprenticeship training in any PSU/Bank or possess more than one year of post-qualification job experience are ineligible under the Apprentices Act.

Candidate qualifications must be recognized by statutory regulatory bodies such as UGC, AICTE, NCVT, or State Technical Education Boards. Degrees obtained through distance learning or open universities are valid only if recognized by the Distance Education Bureau (DEB-UGC). Equivalence claims must be substantiated with official government orders (शासनादेश) at the time of scrutiny.

Where technical certifications (such as ITI, Diploma in Engineering, or Specialized Shorthand / Typing) are required, applicants must ensure their certificates bear an issuance date prior to the statutory deadline of 18 November 2026. Provisional certificates are admissible provided they clearly certify that all qualifying examinations were cleared prior to the prescribed cutoff date.

Candidates possessing higher qualifications than the prescribed minimum are welcome to apply, provided they hold the specific foundational certificate, diploma, or degree mandated in the recruitment rules. No candidate will be granted exemption from the mandatory professional skill or trade testing on the basis of possessing advanced qualifications.

The statutory age parameters are calculated strictly with reference to the benchmark date of 01 October 2026. Candidates must fall within the designated bracket to be eligible for appointment:

Statutory Age Relaxation

General / Unreserved (UR) 20 Years 25 Years Standard statutory age ceiling

Other Backward Classes (OBC - Non-Creamy Layer) 20 Years 28 Years 3 Years Upper Age Relaxation

Scheduled Castes / Scheduled Tribes (SC / ST) 20 Years 30 Years 5 Years Upper Age Relaxation

Divyangjan / PwD Candidates 20 Years 35 Years 10 to 15 Years Upper Age Relaxation

Ex-Servicemen (ESM) 20 Years 28 Years Military service duration + 3 years relaxation

The date of birth recorded in the candidate's High School / Matriculation (10th Standard) Certificate or equivalent will be treated as final and conclusive proof of age. No subsequent request for change of date of birth will be entertained under any circumstances.

Departmental candidates who have rendered continuous regular service within the recruiting organization or analogous government departments are entitled to age concessions in accordance with prevailing service guidelines. Candidates claiming departmental age relaxation must submit a valid service certificate and clean vigilance clearance endorsement from their appointing authority.

Widows, divorced women, and women judicially separated from their husbands who are not remarried are eligible for age concessions up to the age of 35 years (40 years for SC/ST candidates) in designated cadres, subject to furnishing decree or legal certification from a competent civil court.

Applicants must remit the mandatory examination processing fees online through integrated payment gateways (SBI e-Pay / BillDesk / Razorpay) supporting Net Banking, Debit Cards, Credit Cards, and UPI:

Processing Charges

General / Unreserved (UR) ₹944/- (₹800 + 18% GST) Applicable Bank Charges ₹944/- (₹800 + 18% GST)

Other Backward Classes (OBC - NCL) ₹944/- (₹800 + 18% GST) Applicable Bank Charges ₹944/- (₹800 + 18% GST)

Economically Weaker Section (EWS) ₹944/- (₹800 + 18% GST) Applicable Bank Charges ₹944/- (₹800 + 18% GST)

SC / ST / Reserved Candidates ₹708/- (₹600 + 18% GST for SC/ST) Applicable Bank Charges ₹708/- (₹600 + 18% GST for SC/ST)

Divyangjan / PwD Candidates ₹472/- (₹400 + 18% GST) Processing Fee Only ₹472/- (₹400 + 18% GST)

Candidates are cautioned that fees once remitted will strictly not be refunded under any circumstances or adjusted towards any subsequent recruitment examination. In the event of a transaction failure where the money is debited from the bank account without generating a payment confirmation slip, applicants should wait 24 to 48 hours for automated bank reconciliation before attempting a second payment.

For security reasons, candidates should avoid making online payments from public cyber cafes or shared computers using saved card credentials. Always ensure that the payment gateway displays an active SSL certificate (https:// protocol with a locked padlock icon) before entering confidential transaction pins.

Appointed candidates enjoy an outstanding compensation framework formulated under the 7th Central Pay Commission (CPC) / State Pay Matrix, complete with extensive allowances, job security, and career benefits:

Pay Band & Scale (पे बैंड) Fixed Apprenticeship Stipend 7th Central / State Pay Commission Scale

Pay Level (पे लेवल) Consolidated Monthly Allowance Standard Civil / Technical Service Classification

Initial Basic Pay (प्रारंभिक मूल वेतन) ₹15,000 – ₹18,000/- Commencing monthly basic salary on appointment

Dearness Allowance (DA @ 50%+) Nil (Fixed Stipend) Revised semi-annually based on CPI index

House Rent Allowance (HRA @ 9%–27%) Nil (No Housing Allowance) Calculated based on city classification (X, Y, Z tiers)

Transport & Special Allowance Local travel reimbursement for official branch visits Fixed monthly allowance for travel & duties

Gross Monthly Emoluments (सकल वेतन) ₹18,000/- per month (Metro Cities) Total monthly earnings before statutory deductions

Statutory Deductions (NPS 10% + GIS) Nil National Pension System retirement contribution

Net Monthly In-Hand Salary (हाथ में आने वाला वेतन) ₹15,000/- to ₹18,000/- Net Approx Credited directly into candidate salary bank account

In addition to monthly cash compensation, regular employees enjoy institutional fringe benefits including Central Government Health Scheme (CGHS) or state medical insurance coverage, Leave Travel Concession (LTC) once in every block year, subsidized departmental housing allotment, annual performance increments of 3%, and children education allowances.

The pay progression adheres to the codified increment schedule wherein employees receive an annual 3% compounding basic increment on either 1st January or 1st July each year. Furthermore, the Modified Assured Career Progression (MACP) scheme guarantees automatic financial upgradation to higher pay levels upon completion of 10, 20, and 30 years of continuous service, safeguarding personnel against career stagnation.

Employees stationed in major metropolitan centers categorized as 'X' class cities receive the maximum 27% HRA rate, while those stationed in 'Y' class district headquarters receive 18% HRA, and 'Z' class rural postings receive 9% HRA. Should the government provide official residential quarters, the basic HRA component is waived while retaining the maintenance allowance.

The selection mechanism for Graduate Apprentice (Housing Finance Operations) is organized through an objective, multi-tiered framework designed to measure technical acumen, domain expertise, and analytical capability:

• Stage 1: Online Objective Test (Reasoning, Numerical Ability, English & General Awareness - 100 Marks)
• Stage 2: Shortlisting on State-wise and Category-wise Merit Basis
• Stage 3: Original Document Verification & NATS Portal Registration
• Stage 4: Pre-Engagement Medical Fitness Clearance

The written / computer-based test serves as the primary screening filter. Candidates qualifying the written benchmark are shortlisted for technical skill assessments or typing/shorthand tests in accordance with the prescribed merit ratio. Merit rankings are strictly determined on the aggregate marks secured in the competitive examination stages, subject to clearing the qualifying skill and medical hurdles.

In multi-stage recruitment drives, candidates must secure minimum qualifying cutoff marks in each individual test paper as well as on aggregate. The recruitment board strictly bars the use of arbitrary discretion or non-codified grace marks. Final merit allotment letters are generated strictly in accordance with verified rank order, candidate category choices, and cadre vacancies.

During the skill testing phase, candidates are assessed on certified industry hardware and standard keyboard layouts. The evaluation software tracks error frequency, keystroke precision, speed metrics, and typographical omissions in strict conformance with standardized grading algorithms.

Candidates must thoroughly master the examination blueprint to strategize their preparation effectively:

Questions

Total Marks

Duration

Negative Marking

Reasoning Ability & Computer Knowledge 25 25 15 Mins 0.25 Marks

Quantitative Aptitude & Numerical Ability 25 25 15 Mins 0.25 Marks

General English Language 25 25 15 Mins 0.25 Marks

Financial & Banking Awareness 25 25 15 Mins 0.25 Marks

Each multiple-choice question carries 1 mark for a correct answer. In accordance with standard competitive examination rules, incorrect responses attract negative marking of 0.25 Marks (1/4th Negative Marking). Unattempted questions will not be penalized. Candidates are strongly advised to avoid random guessing and prioritize high accuracy to safeguard their percentile ranking.

The examination interface features an intuitive on-screen timer, a dynamic question palette showing answered, unanswered, marked-for-review, and unvisited questions, and instant language toggle functionality between Hindi and English. Candidates may review and modify their answers at any point prior to clicking the final submission button or expiry of the exam clock.

For visually impaired candidates or applicants eligible for scribe assistance under statutory guidelines, compensatory extra time of 20 minutes per hour of examination will be provided, along with access to magnifiers and assistive screen software as per official accessibility protocols.

The examination evaluates both domain knowledge and general administrative aptitude. The detailed topic-wise syllabus breakdown is outlined below:

Reasoning Ability & Computer Basics

• Seating Arrangement, Syllogisms, Coding-Decoding, Blood Relations, Puzzles
• Computer Basics, MS Office, Internet Fundamentals, Cyber Security & Operating Systems
• Simple & Compound Interest, Profit & Loss, Ratio & Proportion, Time & Work
• Housing Finance Sector, RBI Guidelines, Home Loan Schemes, PMAY Subsidies
• Indian Banking System, Monetary Policy, Priority Sector Lending & Current Financial News

Aspirants must focus heavily on core foundational principles while also remaining updated on current national and technological affairs. In technical sections, conceptual clarity and numerical problem-solving efficiency are pivotal to scoring well within the allotted examination duration.

Subject-matter experts recommend dedicating distinct daily study slots to each syllabus module. Candidates should allocate approximately 60% of their preparation time to core technical and general studies. Regular periodic revisions every weekend will ensure long-term retention of critical formulas, statutory provisions, and factual data.

In the General Awareness section, questions will emphasize developments from the preceding 12 months, encompassing national initiatives, science and technology breakthroughs, constitutional developments, economic indicators, environmental summits, and major sports honors.

Applicants seeking official redressal for administrative discrepancies, evaluation queries, or technical glitches may invoke statutory grievance channels governed under the Right to Information Act (RTI Act, 2005):

• Filing Online RTI Queries: Candidates may file formal information requests regarding cutoffs, evaluated scorecards, or answer keys through the centralized portal rtionline.gov.in by remitting the statutory fee of ₹10/-.
• Representation Window: Representations regarding factual discrepancies in provisional answer keys must be lodged within the stipulated time-window accompanied by recognized scholarly references and required processing fees.
• Territorial Jurisdiction: Any legal action, writ petition, or dispute arising out of this recruitment advertisement will be subject to the exclusive territorial jurisdiction of the courts located at LIC Housing Finance Limited, Corporate Office, Maker Tower 'F', 13th Floor, Cuffe Parade, Mumbai - 400005.

Chance of selection depends on measured competency, performance in skills testing and medical fitness. The selected candidates will receive training across multiple functional areas such as: Customer assistance, loan documentation verification, application processing, cross-selling home loan products, credit appraisal, and property title verification.

Employees will be assigned to branch offices for the duration of the apprenticeship. At re-appointment, contractors can receive promotions via the standard path: Assistant -> Associate -> Assistant Manager -> Deputy Regional Manager.