For millions of Indian investors who prefer safety and guaranteed income, LIC (Life Insurance Corporation of India) has introduced an exciting new investment plan the LIC FD Scheme 2025. This fixed-deposit-based plan offers a higher and more stable monthly return compared to traditional bank FDs. With just ₹1 lakh of investment, investors can earn up to ₹6,500 per month along with a strong interest rate and assured returns. The scheme has been specially designed keeping in mind the needs of middle-class investors who want both security and steady monthly income.
What Is LIC FD Scheme?
The LIC FD Scheme works similarly to a traditional fixed deposit but offers a more rewarding interest structure.
Investors deposit a lump-sum amount starting from ₹1 lakh for a fixed tenure. In return, they receive a monthly, quarterly, or annual interest payout as per their preference. Unlike risky market-linked products, this scheme ensures guaranteed returns backed by the trust and reliability of LIC, India’s largest insurance institution.
Interest Rate and Monthly Returns
LIC’s new fixed deposit plan offers interest rates ranging from 7.5% to 8.25% per annum, depending on the deposit tenure and plan type.
If you invest ₹1,00,000:
You can receive up to ₹6,500 per month in interest and return value.
Long-term deposits (5–10 years) attract higher interest rates.
Investors can also choose their payout frequency monthly, quarterly, or annually.
This flexibility makes it ideal for salaried individuals, pensioners, and families looking for a consistent income source.
Minimum and Maximum Investment
The minimum deposit under the LIC FD Scheme starts from ₹1 lakh only. There is no upper limit, meaning investors can invest as much as they wish based on their financial goals. The plan is open for individual investors, senior citizens, and joint account holders, offering everyone a safe and convenient investment channel.
Special Benefits for Senior Citizens
Senior citizens enjoy an additional 0.50% interest rate on top of the standard return. For example, if the regular rate is 8%, senior citizens will earn 8.50%. This extra benefit ensures they receive a higher and more stable monthly income, making it a perfect choice for retirees seeking financial security and regular earnings.
Tenure and Flexibility
LIC provides complete flexibility in choosing the deposit period starting from 1 year to a maximum of 10 years. Investors can select either short-term or long-term options based on their future plans. Additionally, premature withdrawal (early exit) is allowed under specific conditions, ensuring liquidity in case of urgent financial needs.
How to Invest in LIC FD Scheme
Joining the LIC FD Scheme 2025 is simple and can be done online or offline.
1. Visit your nearest LIC branch or the official LIC website.
2. Fill in the FD Scheme application form with your basic details.
3. Upload or submit necessary documents Aadhaar Card, PAN Card, bank passbook, and a passport-size photo.
4. Pay the investment amount via UPI, Net Banking, or cheque.
5. Once verified, your FD certificate and payout schedule will be issued by LIC.
Disclaimer : This article is meant for informational purposes only. Please verify official details, interest rates, and eligibility criteria from the official LIC portal or your financial advisor before making any investment decision.