LIC has launched a new Fixed Deposit (FD) scheme for 2025, promising guaranteed monthly returns for investors. If you’re looking for a safe and steady income, this scheme could be ideal. Let’s break down what it offers and how you can benefit.
Understanding the LIC New FD Scheme 2025 – Guaranteed Returns Made Easy
The LIC FD scheme 2025 is designed for risk-averse investors who want regular monthly income. With a deposit of ₹1.5 lakh, you can earn ₹9,750 every month, making it perfect for retirees or anyone looking for steady cash flow.
Unlike market-linked investments, this FD guarantees your returns, giving you peace of mind along with income.
When Can You Invest in the LIC FD Scheme 2025?
The scheme opens for investment from January 2026 and will run for a fixed tenure of 2–5 years, depending on your choice.
To maximize benefits, it’s recommended to invest early, as interest rates can change over time.
How the LIC FD Scheme Works?
Here’s how the monthly payout works:
- Deposit: You invest a principal amount (e.g., ₹1.5 lakh).
- Tenure: Choose a fixed period (2–5 years).
- Interest: LIC pays a fixed monthly interest on your deposit.
- Payout: You receive ₹9,750 every month for the duration of the scheme.
It’s that simple no market risks, no complicated procedures, just steady monthly income.
LIC FD Scheme 2025: Key Features
| Feature | Details |
|---|---|
| Minimum Investment | ₹1 lakh |
| Example Deposit | ₹1.5 lakh |
| Monthly Payout | ₹9,750 |
| Tenure | 2–5 years |
| Interest Type | Guaranteed, fixed |
| Safety | Backed by LIC, highly secure |
This table gives a quick snapshot of what you can expect before investing.
Why the LIC FD Scheme 2025 Could Be a Smart Choice
- Guaranteed Income: No market fluctuations affect your monthly returns.
- Safe Investment: LIC is one of the most trusted institutions in India.
- Simple & Transparent: Easy process, clear payout structure, and no hidden charges.
- Flexible Tenure: Choose the period that fits your financial planning.
It’s an ideal option for those who want steady income without stress.
Conclusion
The LIC New FD Scheme 2025 is a safe, guaranteed way to earn ₹9,750 every month on ₹1.5 lakh. With LIC’s credibility, fixed monthly payouts, and flexible tenure, it’s a great choice for retirees, conservative investors, and anyone seeking financial stability.
If you value security and predictable returns, this scheme could be the right addition to your portfolio.
FAQ
When will the LIC FD Scheme 2025 open for investment?
It is expected to open from January 2026.
What is the minimum deposit for this scheme?
The minimum investment is ₹1 lakh, with monthly payouts proportional to your deposit.
How much monthly income can I get on ₹1.5 lakh?
You can earn ₹9,750 every month on a deposit of ₹1.5 lakh.
Is the investment safe?
Yes, LIC is a highly trusted institution, making this FD extremely secure.
Can I choose different tenures?
Yes, you can select a tenure between 2 to 5 years depending on your financial planning.