Government Job Opportunity: LIC HFL Apprentice Recruitment for 250 Posts

LIC Housing Finance Limited (LIC HFL) invites applications from dynamic graduates for its Apprentice Recruitment 2025 drive. A total of 250 positions are available across India for a structured 12-month apprenticeship that combines on-the-job training with formal mentoring. Apprentices will receive a monthly stipend of ₹12,000 and have the opportunity to work on real projects in credit appraisal, customer service, risk management, and documentation. High performers may be considered for full-time roles upon completion of the program.

LIC HFL Apprentice Recruitment for 250 Posts

The LIC HFL Apprentice Recruitment 2025 represents a career-launching opportunity for bright graduates eager to delve into the housing finance sector. With comprehensive training, expert mentorship, and a clear pathway to full-time roles, this apprenticeship is an ideal platform to build technical expertise, soft skills, and professional networks. Aspiring candidates should ensure they meet all eligibility criteria, complete their applications before 28 June 2025, and prepare thoroughly for the 03 July 2025 entrance exam. Take the first step toward a rewarding career in BFSI by applying today.

About LIC Housing Finance Limited

Established in 1989, LIC HFL is a subsidiary of the Life Insurance Corporation of India, specializing in home financing and related services. Over three decades, LIC HFL has disbursed loans exceeding several lakh crores, empowering millions of Indian families to own their homes. The company has a pan-India presence with more than 150 branches, backed by robust risk management processes and a customer-centric approach. As part of its social responsibility under the Apprenticeship Act, 1961, LIC HFL partners with the National Apprenticeship Training Scheme (NATS) to train fresh graduates, build industry-ready talent, and strengthen the BFSI workforce.

Why Apply for the Apprenticeship?

1. Hands-on Experience:
   Engage directly in loan appraisal, credit analysis, customer outreach, and documentation processes.
2. Structured Learning:
   Attend regular workshops on financial products, compliance, and soft skills such as communication and leadership.
3. Mentorship and Networking:
   Work closely with senior managers, build professional relationships, and receive regular feedback.
4. Stipend and Certification:
   Earn while you learn, and gain a nationally recognized certification that enhances employability.
5. Career Path:
   The program serves as a gateway to entry-level management roles in home finance, banking, and other BFSI segments.

Key Dates and Milestones

Eligibility Criteria

Applicants must satisfy the following conditions as on 01 June 2025:

• Educational Qualification:
  Bachelor’s degree in any discipline from a UGC/AICTE-recognized university. The degree should have been awarded between 1 June 2021 and 1 June 2025.
• Age Limit:
  Minimum 20 years and maximum 25 years. Age relaxation applicable as per government norms (e.g., SC/ST: +5 years, OBC: +3 years).
• Nationality:
  Indian citizen.
• Registration:
  Must be registered on the NATS (National Apprenticeship Training Scheme) portal.

Application Process

Registering on the NATS Portal

1. Visit the NATS Website:
   Go to nats.education.gov.in and click on “New User? Register.”
2. Provide Details:
   Enter personal information, educational background, and valid contact details.
3. Verification:
   Confirm your email and mobile number via OTPs sent by the portal.

Filling Out the Application

1. Login:
   Use your registered credentials to access the portal.
2. Search Opportunity:
   Navigate to “Apply for Opportunities” and search for “LIC HFL Apprentice 2025.”
3. Application Form:
   Fill in academic qualifications, contact information, and preferred branch locations. Provide a brief statement of purpose (optional).

Document Upload Requirements

Prepare scanned copies (PDF/JPG, maximum 200 KB each) of the following:

• Graduation Degree Certificate
• Mark Sheets (All Semesters)
• Date of Birth Proof (Birth Certificate or Matriculation Certificate)
• Identity Proof (Aadhaar/PAN/Passport)
• Passport-size Photograph (recent)
• Signature (scanned)

Application Fee and Payment

Payment can be made via net banking, debit/credit cards, or UPI. Ensure successful transaction and download the receipt for your records.

Selection Procedure

Online Entrance Examination

• Conducting Body: BFSI Sector Skill Council of India
• Date: 03 July 2025
• Mode: Computer-based test
• Duration: 90 minutes
• Structure:
  • Banking & Financial Awareness: 25 questions
  • Numerical Ability: 30 questions
  • Reasoning Ability: 25 questions
  • English Comprehension: 20 questions
• Marking Scheme: +1 for correct answer, no negative marking

Sample question types:

Document Verification

• Shortlist Publication: 07 July 2025 (via portal, email, SMS)
• Verification Dates: 08–09 July 2025
• Venue: Designated LIC HFL branches (as per preferred location)
• Documents to Carry:
  • Originals of uploaded certificates
  • Two passport-size photographs
  • NATS registration printout

Personal Interview

• Dates: 10–11 July 2025
• Format: Face-to-face interview with a panel of senior officers
• Focus Areas:
  • Understanding of housing finance products
  • Communication and interpersonal skills
  • Ethical decision-making and customer orientation
  • Problem-solving scenarios related to loan processing

Training Structure and Curriculum

Over the 12-month apprenticeship, apprentices will undergo:

1. Orientation Program (Week 1):
   Introduction to LIC HFL history, vision, mission, organizational structure, and code of conduct.
2. Departmental Rotations (Months 1–9):
   • Credit Appraisal: Learning eligibility checks, risk grading, and sanction procedures.
   • Customer Service: Handling inquiries, grievance redressal, and delivering a superior borrower experience.
   • Operations & Documentation: Drafting sanction letters, PIN code mapping, parcel generation, and maintaining records.
   • Recovery & Legal: Basics of loan recovery rules, settlement processes, and coordination with legal teams.
3. Classroom Sessions & Workshops (Monthly):
   • Financial regulations and compliance updates
   • Soft skills: communication, leadership, email etiquette
   • Tools and technology used in housing finance (loan origination systems, dashboards)
4. Mentor Reviews (Bi-Monthly):
   One-on-one meetings with assigned mentor to discuss performance, challenges, and objectives for the next period.
5. Capstone Project (Months 10–12):
   Group project focusing on a real business problem, such as improving turnaround time for loan approvals or enhancing customer satisfaction metrics. Final presentations are made to a senior leadership panel.

State-wise Vacancy Distribution

The 250 positions are allocated based on branch needs across states and Union Territories. Tentative breakup:

Exact state-wise numbers may vary; refer to the official notification PDF for detailed breakup.

Stipend Disbursement and Benefits

• Monthly Stipend: ₹12,000 credited by the 7th of each month to the registered bank account.
• Travel Reimbursement: Eligible for travel allowance when reporting to distant branches (policy as per company norms).
• Learning Resources: Access to e-learning modules, research papers, internal knowledge base, and subscriptions to financial journals.
• Networking Events: Invitations to company events, seminars, and industry conferences.

Career Growth and Future Prospects

Upon successful completion:

• Certificate: Awarded under the Apprenticeship Act, enhancing professional credentials.
• Placement: Top performers may be offered positions such as Assistant Manager (Operations), Relationship Officer, or Credit Executive.
• Skill Enhancement: In-depth knowledge of housing finance regulations, customer management, and risk assessment.
• Industry Mobility: Apprentices acquire transferable skills valued across banking, non-banking financial companies (NBFCs), and fintech firms.

Preparation Tips and Resources

1. Understand the Syllabus:
   Review previous year’s NATS exam patterns; focus on banking awareness and numerical practice.
2. Mock Tests:
   Take online mock tests for time management and accuracy.
3. Reading Material:
   • RBI bulletins for policy updates
   • Business newspapers for economic trends
   • Quantitative aptitude books (R.S. Aggarwal, Arun Sharma)
4. Group Study:
   Collaborate with peers to discuss case studies and share learning points.
5. Interview Prep:
   Prepare responses for common behavioral questions (e.g., “Tell us about a time you resolved a customer issue”).
6. Documentation Checklist:
   Organize all original documents well in advance and keep extra sets of photocopies.

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How to Stay Updated

• Official LIC HFL Website: Regularly check the Careers section at lichousing.com.
• NATS Portal: Track your application status under “Applied Opportunities.”
• Email and SMS Alerts: Ensure your contact details on NATS are correct to receive timely notifications.
• Social Media: Follow LIC HFL’s official LinkedIn and Twitter handles for announcements.

FAQs

Q1. Can final-year students apply?
No. Only graduates whose degrees have been conferred on or before 1 June 2025 are eligible.

Q2. What is the minimum qualifying score in the entrance exam?
A cutoff of 50% is generally used, though it may vary by category and branch.

Q3. Are apprentices entitled to leave?
Yes, apprentices receive leave benefits as per the Apprenticeship Act, including casual and medical leave.

Q4. Is there any post-apprenticeship bond?
There is no bond. However, apprentices must complete the entire 12-month tenure to qualify for certification.

Q5. How will I know if I have been selected?
All updates—shortlist, exam results, verification list—are published on the NATS portal and communicated via email/SMS.