LIC HFL Junior Assistant Recruitment 2026 - 180 Vacancies, Apply Online Before 30 April
1. LIC HFL Junior Assistant Notification 2026
LIC Housing Finance Limited (LIC HFL) has officially released its recruitment notification on 16 April 2026 for 180 Junior Assistant posts spread across more than 50 cities in 20 states and union territories of India. This is one of the most awaited recruitment drives by LIC HFL, offering fresh graduates a chance to begin their career in the housing finance sector with a reputed subsidiary of the Life Insurance Corporation of India (LIC).
The online registration window opened on 16 April 2026 and closes on 30 April 2026, giving candidates just about two weeks to complete their applications. The recruitment will follow a two-stage selection process consisting of an online examination tentatively scheduled for the first week of June 2026, followed by a personal interview for shortlisted candidates. The online exam will be conducted by the Institute of Banking Personnel Selection (IBPS) through its dedicated registration portal.
With a monthly CTC ranging from ₹38,709 to ₹41,509 depending on the city of posting, along with annual increments of up to 10% based on performance, this recruitment offers a stable career path with room for professional growth. This article covers every aspect of the notification — from city-wise vacancies and detailed salary breakdowns to the complete application process and exam centre list — so you have everything you need in one place.
Editorial Note: This article is prepared by the Vacancy Vedika editorial team based on the official LIC HFL Junior Assistant Recruitment 2026 notification dated 16 April 2026. All figures, dates, and criteria are sourced directly from the official notification. Candidates are advised to verify all details from the official website before applying.
Quick Highlights at a Glance
2. About LIC Housing Finance Limited
Organization Profile
- Full Name: LIC Housing Finance Limited (LIC HFL)
- Established: 1989
- Parent Company: Life Insurance Corporation of India (LIC)
- Type: Deposit-Taking Housing Finance Company
- Headquartered: Mumbai, Maharashtra
- Regulated By: National Housing Bank (NHB)
- Listed On: BSE and NSE
- Website: lichousing.com
LIC Housing Finance Limited is one of India's largest and most trusted housing finance companies. Founded in 1989 as a subsidiary of the Life Insurance Corporation of India, it has grown into a leading provider of long-term home loans, plot loans, construction loans, and property-backed financing solutions across the country. The company is regulated by the National Housing Bank (NHB) and is publicly listed on both the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE).
LIC HFL operates through an extensive network of offices spanning all major cities and towns across India. In addition to housing loans, its subsidiaries include LICHFL Financial Services Limited, LICHFL Asset Management Company Limited, LICHFL Care Homes Limited, and LICHFL Trustee Company Private Limited. Working at LIC HFL offers the stability associated with a government-backed institution combined with exposure to the dynamic housing finance sector.
3. LIC Housing Finance Junior Assistant vacancy 2026 Important Dates
| Event | Date / Timeline |
|---|---|
| Notification Release Date | 16 April 2026 |
| Online Registration Start Date | 16 April 2026 |
| Last Date for Online Registration and Fee Payment | 30 April 2026 |
| Download of Call Letters for Online Exam | 7 to 10 days before exam |
| Online Examination (Tentative) | First week of June 2026 |
| Interview (Tentative) | To be announced after exam results |
Deadline Alert: The application window is only 15 days — from 16 April to 30 April 2026. Do not wait until the last day, as heavy server traffic may cause the portal to slow down or become temporarily unavailable.
4. LIC HFL Junior Assistant city wise vacancy 2026
The 180 Junior Assistant vacancies are distributed across 20 states and union territories covering more than 50 cities. Unlike many recruitments that provide only state-level totals, LIC HFL has allocated vacancies at the city level. Candidates must apply for a specific vacancy city, and their posting after selection will preferably be in that chosen city, subject to organizational requirements. Below is the complete city-wise breakdown.
| State / UT | Vacancy City | Vacancies |
|---|---|---|
| Andhra Pradesh | Guntur | 1 |
| Tirupati | 1 | |
| Vijayawada | 3 | |
| Vizag (Gajuwaka) | 3 | |
| Andhra Pradesh Total | 8 | |
| Assam | Guwahati | 3 |
| Assam Total | 3 | |
| Bihar | Bihar Sharif | 1 |
| Muzaffarpur | 1 | |
| Patna | 5 | |
| Bihar Total | 7 | |
| Chhattisgarh | Raipur | 3 |
| Chhattisgarh Total | 3 | |
| Delhi | Delhi NCR | 3 |
| Delhi Total | 3 | |
| Gujarat | Ahmedabad | 1 |
| Rajkot | 1 | |
| Gujarat Total | 2 | |
| Jammu and Kashmir | Jammu | 1 |
| Jammu and Kashmir Total | 1 | |
| Karnataka | Bangalore | 23 |
| Belgaum | 1 | |
| Gulbarga | 1 | |
| Hassan | 1 | |
| Mangalore | 1 | |
| Mysore | 1 | |
| Raichur | 1 | |
| Karnataka Total | 29 | |
| Kerala | Ernakulam | 1 |
| Palakkad | 1 | |
| Thrissur | 1 | |
| Kerala Total | 3 | |
| Madhya Pradesh | Bhopal | 9 |
| Gwalior | 1 | |
| Indore | 5 | |
| Jabalpur | 1 | |
| Satna | 1 | |
| Shahdol | 1 | |
| Madhya Pradesh Total | 18 | |
| Maharashtra | Ahmednagar | 1 |
| Aurangabad | 1 | |
| Dhule | 1 | |
| Jalgaon | 1 | |
| Kolhapur | 1 | |
| Mumbai / Navi Mumbai / Thane | 8 | |
| Nagpur | 3 | |
| Nasik | 5 | |
| Pune / Pimpri-Chinchwad | 3 | |
| Maharashtra Total (incl. Solapur — 1) | 25 | |
| Odisha | Cuttack / Bhubaneswar | 7 |
| Odisha Total | 7 | |
| Punjab | Amritsar | 1 |
| Punjab Total | 1 | |
| Rajasthan | Alwar | 1 |
| Rajasthan Total | 1 | |
| Sikkim | Gangtok | 1 |
| Sikkim Total | 1 | |
| Tamil Nadu | Chennai | 6 |
| Coimbatore | 5 | |
| Hosur | 1 | |
| Kanchipuram | 1 | |
| Karaikudi | 1 | |
| Karur | 1 | |
| Madurai | 4 | |
| Tirunelveli | 1 | |
| Tirupur | 1 | |
| Tamil Nadu Total | 21 | |
| Telangana | Hanumakonda / Warangal | 1 |
| Hyderabad / Secunderabad | 19 | |
| Karimnagar | 1 | |
| Mahbubnagar | 1 | |
| Nizamabad | 1 | |
| Siddipet | 1 | |
| Telangana Total | 24 | |
| Uttar Pradesh | Lucknow | 2 |
| Meerut | 6 | |
| Saharanpur | 1 | |
| Varanasi | 4 | |
| Uttar Pradesh Total | 13 | |
| Uttarakhand | Dehradun | 1 |
| Uttarakhand Total | 1 | |
| West Bengal | Kolkata / Howrah / Chinsurah | 8 |
| Siliguri | 1 | |
| West Bengal Total | 9 | |
| Grand Total | 180 | |
Note: Karnataka leads with 29 vacancies (Bangalore alone has 23), followed by Maharashtra with 25, Telangana with 24, and Tamil Nadu with 21. The total number of vacancies may increase or decrease depending on actual requirements at the time of final selection.
5. LIC HFL Junior Assistant Eligibility Criteria 2026
Junior Assistant — Educational Qualification
- Must be a Graduate in any discipline from a university recognized by the Government of India
- Minimum aggregate marks required: 55% (calculated across all semesters/years)
- Courses completed through correspondence, distance learning, or part-time mode are NOT eligible
- Final result must have been declared on or before 1 April 2026
Nationality and Other Requirements
- Must be an Indian Citizen
- Must have operating and working knowledge of computer systems
- Work experience is preferred but not mandatory
Important: The percentage is calculated by dividing total marks obtained across all semesters by the aggregate maximum marks, multiplied by 100. Where CGPA or OGPA is awarded, candidates must convert it to percentage using their university's official conversion formula. Fractions are ignored — 54.99% will be treated as less than 55% and the candidate will be ineligible.
6. LIC HFL Junior Assistant Age Limit 2026
Candidates applying for the Junior Assistant post must be between 21 and 30 years of age as on 1 April 2026. This means "not below 21 years and not above 30 years" on the reference date.
| Criterion | Details |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 30 years |
| Reference Date | 1 April 2026 |
| Date of Birth — Not Earlier Than | 2 April 1996 |
| Date of Birth — Not Later Than | 1 April 2005 |
In simple terms, you are eligible if your date of birth falls between 2 April 1996 and 1 April 2005 (both dates inclusive). The official notification does not mention any age relaxation for reserved categories (SC/ST/OBC/PwD), which is a key difference from many other government recruitment drives.
7. Salary and Remuneration for LIC HFL Junior Assistant Recruitment 2026
LIC HFL follows a city-category-based salary structure where the total compensation varies depending on the classification of the city of posting. All three categories share the same basic pay of ₹20,000 per month, but HRA and other benefits differ. Below is the complete CTC breakdown followed by the net take-home salary after deductions.
Monthly CTC Breakdown
Pay Structure — Monthly CTC
| CTC Component | City Cat I (₹) | City Cat II (₹) | City Cat III (₹) |
|---|---|---|---|
| Basic Pay | 20,000 | 20,000 | 20,000 |
| House Rent Allowance (HRA) | 4,400 | 3,600 | 3,000 |
| Other Benefits | 8,400 | 7,600 | 7,000 |
| Meal Coupon | 5,040 | 5,040 | 5,040 |
| PF — Company Contribution | 2,400 | 2,400 | 2,400 |
| Mediclaim — Company Contribution | 1,119 | 1,119 | 1,119 |
| Group Insurance — Company Contribution | 150 | 150 | 150 |
| Total CTC (Monthly) | 41,509 | 39,909 | 38,709 |
| Total CTC (Annual) | 4,98,108 | 4,78,908 | 4,64,508 |
Net Take-Home Salary After Deductions
The actual amount credited to a Junior Assistant's bank account after standard deductions is as follows. This excludes the meal coupon component (₹5,040) which is provided separately as meal vouchers at the rate of ₹210 per working day.
| Component | City Cat I (₹) | City Cat II (₹) | City Cat III (₹) |
|---|---|---|---|
| Gross Pay (Basic + HRA + Other Benefits) | 32,800 | 31,200 | 30,000 |
| Less: PF Employee Contribution | 2,400 | 2,400 | 2,400 |
| Less: Mediclaim Employee Contribution | 373 | 373 | 373 |
| Less: Group Insurance Employee Contribution | 300 | 300 | 300 |
| Less: Professional Tax | 200 | 200 | 200 |
| Total Monthly Deductions | 3,273 | 3,273 | 3,273 |
| Net Monthly Pay (In-Hand) | 29,527 | 27,927 | 26,727 |
Pro Tip: The meal coupon of ₹5,040 per month is calculated at 24 working days. In months with fewer working days (due to holidays or leave), the actual amount will be lower. Meal coupons are tax-exempt up to prescribed limits under the Income Tax Act, making them a valuable addition to the overall compensation. Additionally, Junior Assistants are eligible for gratuity, staff housing loan, and a performance-linked incentive as per company rules.
Junior Assistants are also eligible for an annual increment of up to 10% of basic pay based on quarterly and annual performance reviews. The probation period is 6 months from the date of joining, which may be extended as per company rules. Note that lease facility and staff quarter facility are not available for the Junior Assistant cadre.
Want to know the detailed city category classification, exact in-hand salary computation with meal coupons, and the long-term career growth path at LIC HFL? Read our LIC HFL Junior Assistant Salary Structure 2026 breakdown.8. Application Fee
| Fee Component | Amount |
|---|---|
| Application Fee | ₹800 |
| GST @ 18% | ₹144 |
| Total Payable Amount | ₹944 |
The application fee of ₹800 plus 18% GST (₹144), totalling ₹944, is the same for all candidates regardless of category. There is no fee exemption for SC, ST, PwD, or any other category. The fee is non-refundable under all circumstances. Payment must be completed through online mode only using debit cards (RuPay, Visa, MasterCard, Maestro), credit cards, internet banking, IMPS, or mobile wallets. Bank transaction charges for online payment will be borne by the candidate.
9. LIC HFL Junior Assistant Selection Process
The selection of Junior Assistants at LIC HFL follows a two-stage process — an online examination followed by a personal interview. The final merit is prepared based on the combined marks of both stages.
A 200-mark, 120-minute objective-type test with multiple-choice questions across five sections. There is negative marking of 0.25 marks for each wrong answer. Sectional cut-offs as well as overall cut-offs will be applied. The exam will be conducted in English only.
Candidates who rank sufficiently high in the online exam merit list will be called for an interview. The interview state will be the same as the vacancy state selected during application. Candidates must obtain minimum qualifying marks in the interview to be eligible for final selection.
The final merit list is prepared based on combined marks of the online exam and interview. Selected candidates undergo a medical examination at their own expense, followed by background verification. Adverse findings during background verification may lead to termination of employment.
Note: Biometric data (thumb impression and photograph) will be captured on the day of the online examination and verified subsequently. Candidates should ensure their fingers are clean and free of any coating such as ink or mehndi before appearing for the exam.
10. LIC HFL Junior Assistant exam pattern syllabus
The online examination for LIC HFL Junior Assistant is a 200-mark, 120-minute objective test with five sections of equal weightage. All questions are multiple-choice, and the exam is conducted in English only. One notable feature of this exam is the General Awareness section with special emphasis on the Housing Finance Industry — a subject area that requires targeted preparation.
| Sr. No. | Section | Questions | Maximum Marks |
|---|---|---|---|
| 1 | English Language | 40 | 40 |
| 2 | Logical Reasoning | 40 | 40 |
| 3 | General Awareness (Housing Finance emphasis) | 40 | 40 |
| 4 | Numerical Ability | 40 | 40 |
| 5 | Computer Skill | 40 | 40 |
| Total | 200 | 200 | |
| Exam Parameter | Details |
|---|---|
| Mode of Exam | Online (Computer-Based Test) |
| Language | English Only |
| Duration | 120 minutes (2 hours) |
| Type of Questions | Objective — Multiple Choice |
| Negative Marking | 0.25 marks deducted per wrong answer |
| Unanswered Questions | No penalty |
| Cut-off Applied | Section-wise and overall |
| Score Equalization | Yes — if exam held in multiple sessions |
Pro Tip: The General Awareness section with emphasis on Housing Finance is the differentiator in this exam. Prepare topics like NHB regulations, PMAY scheme, housing finance terminology (LTV ratio, EMI, pre-payment, foreclosure), recent policy changes by RBI related to housing loans, and key facts about LIC HFL itself. This is where most candidates underperform, and targeted preparation can give you a significant edge.
11. How to Apply Online for LIC HFL Junior Assistant 2026
Candidates can apply online only through the official IBPS registration portal from 16 April 2026 to 30 April 2026. No other mode of application is accepted. Before starting the application, keep the following documents ready: a passport-size photograph, signature in black ink, left thumb impression on white paper, and a handwritten declaration in English.
Go to the LIC HFL careers page at lichousing.com/careers or directly visit the IBPS registration portal at ibpsreg.ibps.in/licjamar26/ and click on "Apply Online."
Click on "Click here for New Registration" and enter your name, contact details, and email ID. A provisional registration number and password will be generated and displayed on screen. Note these down carefully as they will also be sent via email and SMS.
Log in using your registration number and password. Fill in personal details, educational qualifications, vacancy city preference, and examination state. You can save progress using the "Save and Next" button and return later to complete the form.
Upload your scanned photograph, signature, left thumb impression, and handwritten declaration as per the specified dimensions and file sizes. Use the preview feature to verify clarity before submission. Ensure the photograph is uploaded in the photo slot and signature in the signature slot.
Click the Preview tab to review all entered details. Once satisfied, click "Complete Registration." No changes are possible after this step, so verify everything thoroughly before submission.
Click on the "Payment" tab and pay ₹944 (₹800 + 18% GST) through debit card, credit card, internet banking, IMPS, or mobile wallet. Wait for the server confirmation after payment — do not press the back or refresh button. Download the e-receipt upon successful payment.
Warning: Signatures in CAPITAL LETTERS will not be accepted and the application will be rejected. The handwritten declaration must be written by the candidate personally in English — if written by someone else or in any other language, the application will be treated as invalid.
12. Photo, Signature and Document Specifications
LIC HFL has strict specifications for all uploaded documents. Incorrectly formatted uploads are one of the most common reasons for application rejection. Below are the exact requirements for each document.
| Document | Dimensions (px) | Physical Size | File Size | Format |
|---|---|---|---|---|
| Photograph | 200 × 230 pixels | 4.5 cm × 3.5 cm | 20 KB – 50 KB | JPG / JPEG |
| Signature | 140 × 60 pixels | — | 10 KB – 20 KB | JPG / JPEG |
| Left Thumb Impression | 240 × 240 pixels (200 DPI) | 3 cm × 3 cm | 20 KB – 50 KB | JPG / JPEG |
| Handwritten Declaration | 800 × 400 pixels (200 DPI) | 10 cm × 5 cm | 50 KB – 100 KB | JPG / JPEG |
The photograph must be a recent passport-style colour picture taken against a light-coloured (preferably white) background. Caps, hats, and dark glasses are not permitted, though religious headwear is allowed provided it does not cover the face. In addition to the uploaded photograph, candidates will be required to capture a live photograph during the application process using either a webcam or a mobile phone camera via QR code scanning.
The handwritten declaration text that must be written on white paper with black ink is: "I, _______ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required."
13. Online Examination Centres
The online examination will be conducted across 70+ cities spanning all major states and union territories. Candidates must select their preferred examination state during registration. Note that the examination state can be different from the vacancy state — for example, a candidate applying for a vacancy in Karnataka may opt to appear for the exam in Tamil Nadu. Below is the complete list of examination centres.
| State / UT | Examination Centre Cities |
|---|---|
| Andhra Pradesh | Visakhapatnam, Guntur/Vijayawada, Rajahmundry, Vizianagaram, Srikakulam, Tirupati, Nellore, Kurnool, Kadapa |
| Assam | Guwahati, Dibrugarh, Silchar, Jorhat |
| Bihar | Patna, Muzaffarpur, Gaya, Bhagalpur, Purnea |
| Chhattisgarh | Raipur, Bhilai Nagar |
| Delhi | Delhi / New Delhi / NCR |
| Goa | Panaji |
| Gujarat | Ahmedabad-Gandhinagar, Rajkot, Vadodara, Surat |
| Haryana | Hissar, Ambala, Faridabad |
| Himachal Pradesh | Shimla, Bilaspur |
| Jammu and Kashmir | Jammu |
| Jharkhand | Ranchi, Jamshedpur, Dhanbad |
| Karnataka | Bangalore, Mysore, Hubli-Dharwar, Mangalore |
| Kerala | Kochi, Trivandrum, Kannur, Kollam, Kottayam, Kozhikode, Thrissur |
| Madhya Pradesh | Bhopal, Indore, Gwalior, Ujjain |
| Maharashtra | Mumbai / Navi Mumbai / Thane / MMR, Nagpur, Pune, Aurangabad, Nasik, Amaravati, Kolhapur, Jalgaon |
| Odisha | Bhubaneswar, Rourkela, Balasore, Berhampur-Ganjam, Cuttack |
| Puducherry | Puducherry |
| Punjab | Amritsar, Mohali, Jalandhar, Ludhiana, Bathinda, Patiala |
| Rajasthan | Jaipur, Jodhpur, Ajmer, Kota, Bikaner |
| Sikkim | Gangtok |
| Tamil Nadu | Chennai, Madurai, Coimbatore, Nagercoil, Tirunelveli, Thanjavur |
| Telangana | Hyderabad / Secunderabad, Karimnagar, Warangal |
| Tripura | Agartala |
| Uttar Pradesh | Lucknow, Meerut, Allahabad, Gorakhpur, Agra, Kanpur |
| Uttarakhand | Dehradun, Haldwani |
| West Bengal | Kolkata, Siliguri, Durgapur, Burdwan |
| Chandigarh | Mohali |
Note: LIC HFL reserves the right to cancel any centre or add new centres based on response volume and administrative feasibility. If insufficient candidates opt for a particular centre, they may be allotted an adjacent centre. Conversely, if a centre is over-subscribed, candidates may be allotted an alternate centre. The choice of centre, once exercised, is final.
14. General Instructions
Before applying and throughout the recruitment process, candidates should keep the following important points in mind to avoid disqualification or rejection at any stage.
Candidates must maintain a single valid personal email ID and mobile number throughout the recruitment process. All communication from LIC HFL — including call letter notifications, exam alerts, and interview intimations — will be sent to the registered email and mobile number only. Changing your contact details midway can result in missed communications.
Only one application per candidate is permitted. If multiple applications are submitted, only the latest valid and completed application with the higher registration number will be retained, and all fees paid for earlier registrations will be forfeited. Applications cannot be withdrawn after submission, and fees are non-refundable under any circumstances.
Candidates currently employed should obtain a "No Objection Certificate" from their employer and present it at the time of interview. The name on the application must exactly match the name on the photo identity proof. Female candidates who have changed their name after marriage must carry the original marriage certificate, gazette notification, or affidavit in original. Mobile phones, pagers, calculators, and any electronic communication devices are strictly prohibited inside the examination hall.
LIC HFL will analyse response patterns across candidates to detect answer-sharing or unfair means. If the analytical process concludes that responses have been shared and scores are not genuine, the candidature of concerned candidates will be cancelled. Any legal proceedings must be instituted only in Mumbai courts.
15. Frequently Asked Questions
Below are the most commonly asked questions about the LIC HFL Junior Assistant Recruitment 2026. If your question is not answered here, refer to the official notification or the LIC HFL careers page at lichousing.com/careers.
16. Important Links
| Description | Link |
|---|---|
| Apply Online | Apply Here |
| Official Notification PDF | Download PDF |
| LIC HFL Careers Page | Visit Careers Page |
| LIC HFL Official Website | lichousing.com |
| Application Query Portal | cgrs.ibps.in |
Frequently Asked Questions (FAQs)
A total of 180 Junior Assistant vacancies are available across 20 states and 39 cities in India.
The last date to submit the online application and pay the fee is 30 April 2026.
The application fee is ₹800 (plus 18% GST) for all candidates. It is non-refundable and payable online only.
Candidates must be graduates with a minimum of 55% aggregate marks in any discipline from a Government-recognised university. Distance, correspondence, and part-time courses are not eligible.
Candidates must be between 21 and 30 years of age as on 01.04.2026. This means date of birth should be between 02.04.1996 and 01.04.2005 (both dates inclusive).
The online examination is tentatively scheduled for the 1st week of June 2026. Exact dates will be communicated via admit card / LIC HFL website.
The basic pay is ₹20,000/month. Annual CTC ranges from ₹4,64,508 (City Category III) to ₹4,98,108 (City Category I). Net in-hand pay is approximately ₹26,727 to ₹29,527/month depending on city category.
Selection is based on combined marks from the online examination and interview, in strict merit order, subject to minimum qualifying marks in the interview. A medical examination and background verification also follow.
No. Each candidate can apply for only one vacancy city. Interview state will be the same as the vacancy state. Exam state can be different from the vacancy state.
Yes. For every wrong answer, 0.25 marks (one-fourth) are deducted. There is no penalty for unattempted questions.