LIC Housing Finance Limited (LIC HFL), one of India’s leading housing finance companies, has announced its Apprenticeship Program-004 for 2025, inviting applications from fresh graduates across the country. This apprenticeship offers an exciting opportunity for young professionals to gain real-world experience, develop industry-relevant skills, and enhance employability in the BFSI (Banking, Financial Services, and Insurance) sector.
1. Overview of LIC HFL Apprenticeship Program
| Particulars | Details |
|---|---|
| Number of Apprentices | 192 |
| Apprenticeship Period | 12 Months |
| Tentative Start Date | 1st November 2025 |
| Monthly Stipend | Rs. 12,000/- |
| Eligibility | Fresh graduates in any discipline from Indian universities/institutions recognized by UGC/AICTE |
| Previous Experience | Candidate must not have a running, terminated, or completed apprenticeship contract with any other organization |
The apprenticeship is designed as an on-the-job training program to equip candidates with soft skills, domain knowledge, and practical work experience. Participants will get exposure to banking, insurance, investment operations, and digital financial services, making them industry-ready.
2. Key Features of the Apprenticeship Program
- Learning and Development: The program will provide training in core banking operations, customer service, financial product knowledge, and technology-driven processes.
- Proficiency Certificate: Successful apprentices will receive a certificate from BOAT, recognized across BFSI sector companies.
- Stipend: Apprentices will be granted a monthly allowance of ₹12,000, providing financial assistance during their training period.
- Industry Exposure: Participants will work alongside professionals in LIC HFL offices, gaining insights into real-time operations and organizational workflows.
It is essential to emphasize that while apprentices gain hands-on experience, they remain trainees and are not considered employees of LIC HFL.
3. Eligibility Criteria
To apply for this program, candidates must fulfill the following eligibility conditions:
| Particular | Requirement |
|---|---|
| Age (as on 1st September 2025) | 20 – 25 years |
| Educational Qualification | Graduation in any stream completed between 1st September 2021 and 1st September 2025 |
| Previous Work Experience | No prior or ongoing apprenticeship with any other organization |
This ensures that the program targets young, recent graduates seeking to build a career in the BFSI sector.
4. Selection Process
Step 1: Entrance Examination
- Organized by the BFSI Sector Skill Council of India (BFSI SSC).
- Pattern: 100 Multiple Choice Questions covering:
- Banking Fundamentals
- Investment and Insurance Concepts
- Quantitative Aptitude
- Reasoning
- Digital Literacy / Computer Knowledge
- English Language Skills
- Duration: 60 minutes
- Mode: Online, remote proctored exam, taken from candidates’ homes using a smartphone with front camera. Candidates must ensure good internet connectivity.
- Examination Fee:
- General & OBC: Rs. 944
- SC, ST & Female: Rs. 708
- PwBD: Rs. 472
Step 2: Shortlisting and Document Verification
Applicants who excel in the entrance test will be selected for document verification and a personal interview at LIC HFL offices.
Step 3: Personal Interview
Shortlisted candidates will attend a personal interview to assess their communication skills, problem-solving abilities, and overall suitability for the apprenticeship program.
Step 4: Final Selection & Offer
- Selected candidates will receive official offer letters detailing:
- Branch allocated for apprenticeship
- Stipend amount
- Rules, regulations, and terms of the program
- Candidates who accept the offer must report to the assigned LIC HFL branch on the stipulated start date.
5. Important Dates
| Activity | Tentative Dates | Remarks |
|---|---|---|
| Online Application Start | 2nd September 2025 | Apply through official portal |
| Online Application End | 22nd September 2025 | Ensure all details are accurate |
| Last Date for Examination Fee Payment | 24th September 2025 | Fee to be paid to BFSI SSC |
| Entrance Examination | 1st October 2025 | Online remote proctored exam |
| Document Verification & Personal Interview | 8th – 14th October 2025 | At LIC HFL offices |
| Issuance of Offer Letters | 15th – 20th October 2025 | Candidates will receive branch allocation details |
| Commencement of Apprenticeship | 1st November 2025 | Tentative start date |
6. Vacancy Details – State & City Wise
The program has a total of 192 vacancies, distributed across various states and cities to ensure regional representation and accessibility.
A. State-wise Vacancies
| State | Total Vacancy |
|---|---|
| Andhra Pradesh | 14 |
| Assam | 1 |
| Bihar | 1 |
| Chhattisgarh | 3 |
| Delhi | 3 |
| Gujarat | 5 |
| Haryana | 3 |
| Jammu & Kashmir | 1 |
| Karnataka | 28 |
| Kerala | 6 |
| Madhya Pradesh | 12 |
| Maharashtra | 25 |
| Odisha | 1 |
| Puducherry | 1 |
| Punjab | 2 |
| Rajasthan | 6 |
| Sikkim | 2 |
| Tamil Nadu | 27 |
| Telangana | 20 |
| Uttar Pradesh | 18 |
| Uttarakhand | 3 |
| West Bengal | 10 |
Grand Total: 192 Apprentices
B. City-wise Vacancies (Key Highlights)
- Andhra Pradesh: Vijayawada – 4, Visakhapatnam – 4
- Karnataka: Bangalore – 22, Gulbarga – 2, Mangalore – 2
- Tamil Nadu: Chennai – 10, Coimbatore – 6
- Telangana: Hyderabad – 16
- Maharashtra: Mumbai – 6, Pune – 8
This distribution ensures that candidates from across India can access apprenticeship opportunities closer to their location.
7. Stipend
Apprentices will receive a fixed monthly stipend of Rs. 12,000, providing financial support while undergoing hands-on training and learning in LIC HFL offices.
8. How to Apply
- Visit the official portal for LIC HFL Apprenticeship applications.
- Complete the online application form carefully, ensuring all personal, educational, and contact details are accurate.
- Pay the entrance examination fee through BFSI SSC portal before 24th September 2025.
- Download admit cards for the entrance examination and attend the online exam on 1st October 2025.
- Shortlisted candidates must attend document verification and personal interviews at LIC HFL offices as per the schedule.
- Upon receiving the offer letter, report to the assigned LIC HFL branch to start the apprenticeship on 1st November 2025.
9. Benefits of LIC HFL Apprenticeship
- Industry Exposure: Work alongside professionals in a real corporate environment.
- Skill Development: Acquire soft skills, domain knowledge, and technical expertise relevant to BFSI sector.
- Networking Opportunities: Connect with industry experts and fellow trainees.
- Career Advancement: Certificate issued by BOAT improves employability across banks, insurance, and BFSI companies.
- Hands-on Learning: Gain practical experience in banking operations, housing finance, customer service, and financial technology.
10. Key Notes and Instructions
- Apprentices are trainees only: LIC HFL does not guarantee employment post-apprenticeship.
- Eligibility Check: Candidates must ensure they meet age, education, and experience criteria.
- Single Apprenticeship Rule: Candidates must not have any prior apprenticeship experience.
- Remote Exam: Candidates must ensure stable internet connectivity and a working smartphone with a front camera.
- Document Verification: Originals and photocopies of certificates are mandatory during verification.
- Stipend Payment: Rs. 12,000 per month is fixed and will be paid for the duration of 12 months.
