I am govt employee. and i was making decision of take loan from LICHFL. As many private firms are also giving sanction loan to a govt. employee very easily and cheques issued without any trouble. but instead of that I approach LICHFL Office at Sector-22 chandigarh. Firstly, Company agent ( Bhupinder Singh) gave false statemnts to me and signed the Documents neceesary for loan sanction. After loan has been sactioned, First Cheque issued, after 20-25 days submitting all the necessary documents.(they told me 7-10 days after documents submission). When i ask for reason, Staff ( Ms. Mandeep Kaur) said its only because verification of documents took time and second cheque will be issued in 7 days or early. Second cheque issued again after 15-20 days. Staff ( Ms. Mandeep Kaur) said valuer took time to reach us. I here want to mention I gave call to her just after our completion of roof. but instead Staff ( Ms. Mandeep Kaur) issue cheque less amount claiming your roof is not completed our valuer told us. Third & Fourth Cheque issued again after 10-15 days. I here want to mention that the behavior of whole staff is not very friendly especially ( Ms. Mandeep Kaur). They dont know how to treat the customer. One inside staff member told me you are harrased because you have not donate fees to the staff members. I just want to suggest all from my personal experince, NEVER EVER CHOOSE LICHFL Office at Sector-22 chandigarh for loan.