Introduction
The Life Insurance Corporation of India (LIC) has always been a trusted name in the financial sector. With decades of experience in safeguarding people’s money, LIC is now making headlines with its newly launched LIC FD Scheme 2025.
This scheme is specially designed for individuals who prefer safe, guaranteed, and fixed monthly income. With the LIC FD Scheme, investors can deposit ₹1 Lakh and start receiving ₹6,500 every month.
In this detailed blog, we will explain everything about the LIC FD Scheme 2025, including features, benefits, eligibility, interest rates, application process, and how it compares with other FD options in India.
What is LIC FD Scheme?
The LIC FD New Scheme is a fixed deposit investment plan where investors can park their money safely and earn guaranteed monthly income. Unlike risky market-linked instruments, the LIC FD New Scheme provides assured returns, making it an ideal option for retired persons, salaried professionals, and low-risk investors.
The highlight of this scheme is that ₹1 Lakh investment generates around ₹6,500 per month, which is much higher compared to traditional bank FDs.
Key Features of LIC FD Scheme
- High Monthly Returns – By investing ₹1 Lakh in the LIC FD Scheme, depositors can earn up to ₹6,500 per month.
- Flexible Tenure – Investors can choose FD terms ranging from 1 year to 10 years.
- Monthly Income Option – The LIC FD Scheme allows monthly interest payouts instead of annual compounding, making it suitable for those who need regular income.
- Safe Investment – Being backed by LIC, a government-owned financial giant, the scheme ensures complete safety of capital.
- Tax Benefits – Deposits in the LIC FD Scheme may qualify for Section 80C tax deductions, though interest earned is taxable.
LIC FD Scheme Interest Rates 2025
| Investment Amount | Monthly Return (Approx.) | Annual Interest Payout | Effective Yield |
|---|---|---|---|
| ₹1,00,000 | ₹6,500 | ₹78,000 | ~7.8% |
| ₹5,00,000 | ₹32,500 | ₹3,90,000 | ~7.8% |
| ₹10,00,000 | ₹65,000 | ₹7,80,000 | ~7.8% |
👉 This table clearly shows how the LIC FD Scheme can generate consistent monthly income across different investment levels.
Also Read: ₹100 Note Sold for ₹3 Lakh at Auction – Here’s Why It’s So Special
Who Should Invest in LIC FD New Scheme?
The LIC FD New Scheme 2025 is an excellent choice for:
- Retired senior citizens who want monthly income for expenses.
- Salaried individuals looking for safe and guaranteed returns.
- Families who want regular household expense coverage.
- Investors who want to avoid stock market risks.
- Conservative savers who prefer stability over high-risk growth.
Benefits of LIC FD New Scheme
- ✅ Monthly cash flow for smooth financial planning.
- ✅ Higher returns compared to traditional bank FDs.
- ✅ Safe investment guaranteed by LIC.
- ✅ Easy application process via branches and agents.
- ✅ Flexibility in tenure and payout options.
With these features, the LIC FD New Scheme becomes one of the most reliable FD options in India for 2025.
Also Read : Post Office New Scheme: Invest Just ₹333 Per Month to Receive ₹17 Lakh Returns
LIC FD Scheme vs Bank FD
| Feature | LIC FD Scheme 2025 | Regular Bank FD |
|---|---|---|
| Monthly Returns | ₹6,500 (per ₹1 Lakh) | ₹5,000–₹5,500 |
| Safety & Reliability | Backed by LIC (Govt.) | Backed by RBI |
| Payout Option | Monthly interest option | Mostly annual |
| Flexibility in Tenure | 1 to 10 years | 1 to 10 years |
| Trust Factor | Very High (LIC brand) | High |
Clearly, the LIC FD Scheme offers better monthly returns and more flexibility than most traditional FDs.
How to Apply for LIC FD New Scheme?
You can apply for the LIC FD New Scheme in two ways:
1. Offline Method
- Visit the nearest LIC branch office.
- Carry Aadhaar card, PAN card, and address proof.
- Fill out the FD application form.
- Deposit the required amount (minimum ₹1 Lakh).
- Choose your monthly payout option.
2. Online Method
- Visit the official LIC website.
- Go to the FD Scheme section.
- Complete KYC and payment online.
- Select the LIC FD New Scheme tenure and payout option.
Things to Consider Before Investing
- The LIC FD New Scheme provides taxable income under “Income from Other Sources”.
- Premature withdrawal is possible but may attract penalties.
- Interest rates can vary depending on tenure.
- Always compare the LIC FD Scheme with other financial products before investing.
FAQs on LIC FD New Scheme 2025
Q1. What is the minimum deposit for LIC FD Scheme?
👉 The minimum deposit amount is ₹1 Lakh.
Q2. How much monthly income will ₹1 Lakh generate in LIC FD Scheme?
👉 Approximately ₹6,500 per month, depending on tenure and rates.
Q3. Is LIC FD Scheme better than bank FDs?
👉 Yes, the LIC FD Scheme offers higher monthly returns and more flexibility.
Q4. Can I withdraw my FD early?
👉 Yes, but premature withdrawal under the LIC FD Scheme may involve penalties.
Q5. Is the LIC FD Scheme safe?
👉 Absolutely, since LIC is a government-backed and trusted institution.
Final Verdict
The LIC FD New Scheme 2025 is one of the most attractive and safe investment options available today. With ₹1 Lakh investment yielding ₹6,500 monthly income, it provides a perfect balance of security and profitability.
For retirees, salaried professionals, and conservative investors, the LIC FD New Scheme is an excellent way to ensure steady monthly income and financial peace of mind.
Disclaimer
This article is for informational purposes only. The actual returns, interest rates, and benefits of the LIC FD New Scheme are subject to LIC’s official updates. Investors are advised to consult with LIC representatives or certified financial advisors before making any investment decisions.