LIC follows a strict 5-day work week (Monday to Friday). All regular branch offices remain closed on Saturdays and Sundays.
- Working Days: Monday – Friday (Weekends closed)
- Office Hours: 10:00 AM – 5:30 PM
- Premium Counters: 10:00 AM – 4:00 PM
- Lunch Break: Around 1:30 PM – 2:15 PM (may vary)
- Mini Offices: 9:00 AM – 8:00 PM (some may open on weekends)
Fact: After the government notification dated 15 April 2021, LIC declared every Saturday as a public holiday. Since May 2021, all offices follow a Monday–Friday schedule, which continues in 2026. Source
Note: These timings do not apply to LIC mini offices or nearby service points. They often work like regular shops, usually open from 9:00 AM to 8:00 PM.
Premium payments are the most frequent reason people or customers like you step into an LIC branch or satellite office. While offices remain open until 5:30 PM, premium counters close earlier:
- Monday to Thursday: You have to go around 10:30 AM, just after opening the gate. This time rush is higher, but employees do work faster.
- Friday: you can visit at 10:00 AM or before lunchtime, for faster work and deposits.
Pro Tip: For premium payments, visit before 1:00 PM or just after lunch. Cash counters usually stop accepting payments by 4:00 PM.
Claim Settlements & Policy Servicing: Office Hours
Not all visits are about premiums. A few customers also visit the branches or mini offices for multiple services, such as –
- Maturity claims
- Survival benefits
- Policy loans and loan repayments
- Change of nominee or address
- NEFT mandate registration
- Policy revival requests
For these, the counters remain available till 5:00 PM, unlike premium counters. Still, starting paperwork late in the evening is discouraged—most staff prefer completing fresh requests before 4:30 PM. However, try not to visit during lunchtime.
LIC Branch Daily Schedule: Best Time to Visit
Here’s how a customer’s day looks if you walk into a branch.
| Time | Activity/Status |
|---|---|
| 10:00 AM | Offices open, counters active, premium collection begins |
| 10:30 AM – 12:30 PM | Best time for premium payments, policy loans, and new service requests |
| 12:30 PM – 1:30 PM | Moderate rush, staff still available |
| 1:30 PM – 2:00 PM | Lunch break (till 2:30 in Southern Zone) |
| 2:15 PM – 4:00 PM | Smoothest time for claims, loan repayments, or policy updates |
| 4:00 PM – 4:30 PM | Premium counters gradually close |
| 4:30 PM – 5:00 PM | Staff focus on finishing pending paperwork |
| 5:30 PM | Office closes for the day |
LIC Lunch Timings: Zone-wise Break Schedule
Unlike the normal working hours for employees, Lunch hours at LIC are not uniform across India. It depends mostly on the location of the branch in zones. Such as –
- Most zones (North, East, West & Central Zones): The general timing for lunch start is 1:30 PM, and it lasts 2:00 PM, Around 30 to 45 minutes long. On Fridays, the lunch break may be extended by 15 to 20 minutes.
- Southern Zone: In the southern cities, you may find the timing around 2:00 p.m. to 2:45 p.m..
- The timing is slightly different for states like Maharashtra, Goa, and Gujarat.
During this break time, you can find that flow slows as many counters shut down. Some large city branches rotate staff, keeping a skeleton team active, but smaller branches may pause almost all services.
The best timing for you is morning at 10:15 am and 12:30 PM. After lunch, you can visit before 4:30 PM; however, most of the services slow down during lunch.
LIC Gazetted (Compulsory) Holidays 2026
In 2026, LIC offices follow a holiday list approved by the Life Insurance Council. Most national holidays are the same across India, but some festivals are observed based on your local zone or region.
- January 26 (Monday): Republic Day
- March 4 (Wednesday): Holi
- March 21 (Saturday): Id-ul-Fitr*
- March 31 (Tuesday): Mahavir Jayanti
- April 3 (Friday): Good Friday
- May 1 (Friday): Buddha Purnima
- May 27 (Wednesday): Id-ul-Zuha (Bakrid)*
- August 15 (Saturday): Independence Day
- September 4 (Friday): Janmashtami
- October 2 (Friday): Mahatma Gandhi Jayanti
- October 20 (Tuesday): Dussehra (Vijay Dashmi)
- November 8 (Sunday): Diwali (Deepavali)
- November 24 (Tuesday): Guru Nanak’s Birthday
- December 25 (Friday): Christmas Day
*Dates may change based on moon sighting.
Important Things to Know
- Long weekends: Since LIC follows a 5-day week, if a holiday falls on Friday or Monday, it creates a 3-day break. After that, offices are usually crowded on the next working day.
- Regional holidays: Some festivals like Pongal, Baisakhi, and Onam are holidays only in specific states, not across India.
- Digital services: Even on holidays, you can pay premiums and check policy details anytime using the LIC online portal or mobile app.
You do not need to stand in a long queue in this digital world. LIC has invested heavily in digital tools, so you can try this –
- Premium payments through the LIC Portal and the MyLIC App
- Loan repayment and interest payment via online banking
- NEFT mandate registration
- Policy revival and e-services requests
- Now, you can check policy and claim status online
This online service is for 24/7, just by using your smartphone, it can be ga reat alternative to choose.
Pro Tip: If your policy last date is on Sunday, don’t wait till Monday. Pay on Saturday using MyLIC app. Even if it is weekend, your payment date will be counted correctly, so your policy will stay safe and not lapse.
Frequently Asked Questions
What are the timings of LIC HFL (Housing Finance) offices?
The office timing is regular Monday to Saturday, 10:00 AM to 5:00 PM, that is last hours; however, the second and fourth Saturdays of every month are public holidays for LIC HFL branches.
Are LIC offices open tomorrow?
If tomorrow is a count in Monday-to-Friday, then yes, LIC offices open 10:00 AM to 5:30 PM. But they usually closed on weekends and holidays. You can check the live working hours on Google Maps, Apple Maps, and Justdial.
What are the actual working hours of Life Insurance Corporation of India branches in 2026?
Most LIC branches and satellite offices open at 10:00 AM and close at 5:30 PM, Monday to Friday only. Saturdays and Sundays are full holidays for regular LIC offices.
Do LIC offices really stop work during lunch hours?
Yes, practically. Lunch usually starts around 1:30 PM in most zones and 2:00 PM in southern regions. Smaller branches slow down almost completely, while bigger ones run limited counters.
Should I still visit an LIC branch for routine work in 2026?
Not always. Premium payments, loan interest, policy revival, and status checks are smoother online. Branch visits now make more sense only for claims, document-heavy changes, or complex corrections.
Are LIC offices closed on all Saturdays?
For regular LIC branches, yes. Since the five-day work rule, all Saturdays are holidays. However, LIC Housing Finance offices still follow a different Saturday schedule.
No. Claim, loan, nominee change, and policy servicing desks usually accept work till around 5:00 PM, but new requests after 4:30 PM are often discouraged by staff.
Are LIC mini offices and collection centres open on weekends?
Yes, some mini offices and authorised LIC service points function like local shops, often 9:00 AM to 8:00 PM, including weekends. Timings depend entirely on the individual outlet.
You can, but it’s risky. Post-lunch counters reopen slowly, and by 4:00–4:30 PM many premium desks shut. Friday afternoons are especially crowded and unpredictable.
From branch experience, 10:15 AM to 12:30 PM is ideal. Premium counters start closing after 4:00 PM, so late-evening visits often lead to token denial or next-day advice.
Related Post – Indian Post Office Timings
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