LICHFL is one of the worst finance company in India as per my experience. First they try to make good impression on you by talking handsomely but after you joined, they will show you their attitude.And apart from this customer care executive also not responds quickly even they take more time for your request.I think you should not join this company, Their interest rate will high year by year.If any bank reduce their interest rate but this company still have same rate of interest.I think they only try to make more customer.Now it’s your decision to join or not there.