In 2025, LIC continues to be the predilection for an investor wanting secured and stable returns. The new LIC FD scheme thus maximizes the prospect of guaranteed income on a monthly basis. This plan has been quite attractive to senior citizens and regular investors alike, who seek safe avenues of growth. One can earn up to ₹6,500 a month, just by placing an investment of ₹1 lakh.
Unraveling LIC Fixed Deposits in 2025
LIC Fixed Deposits operate just like any other from a bank, only with that extra factor of trust and reliability mounted upon them by the Life Insurance Corporation of India. These deposits give assured returns, tenure choices on flexibility, and the highest degree of safety since it is backed by a government-owned corporation. For 2025, LIC has brought out the revised FD rates in order to account for inflation trends and provide incentives to save more for the long term.
Interest Rates & Payout Structure
Under the 2025 Scheme, investors could earn income equivalent to ₹6,500 monthly, or approximately ₹78,000 per annum, making it one of the highest yielding FDs. The interest rates for LIC FDs presently vary between 7.5% and 9.0% per annum, depending on the period of investment and the category of the investor. In fact, a higher rate of return of 0.5% is being given to senior citizens, which further escalates their monthly earnings.
Eligibility and Application Process
Opening an FD with LIC is very simple and can be done by visiting any LIC branch or an authorized financial partner. One would require basic KYC documents such as PAN, Aadhaar, and address proof. Investors can select payment options (monthly, quarterly, or annually) that best suit their financial expectations.
Conclusion
The LIC FD 2025 scheme prides itself on providing an excellent balance among safety, liquidity, and returns. For those looking for steady income accompanied by no market risks, earning a monthly interest of ₹6,500 on ₹1 lakh investment makes this plan an excellent fixed-income opportunity for the year. With the government backing behind it and competitive interest rates being paid, LIC FDs continue to be an investment trusted choice for 2025 and onward.
