Contrary to the conventional opinion of FDs being liquid assets, LIC announces a new Fixed Deposit scheme in 2025 offering an uncommon combination of high returns and guaranteed safety. Nowadays, the investor is looking out for options that give them steady income with capital protection. The new FD scheme of LIC was designed for the conservative investors who prioritize safety over market-linked risks.
Attractive Interest Rates and Tenure Options
In this LIC deposit scheme, interest rates of 7.25% to 8.10% per annum are offered, depending on the tenure and deposit amount. For putative senior citizens, an additional interest payment of 0.50% is earned, improving their returns. For other years, the tenures of one to five years are given, allowing investors on a financial course of their own selection. With this scheme, returns are guaranteed, which is good for liquidity when income is sought.
Guaranteed Safety and Trusted Brand Value
Since LIC is a government-backed financial institution, one cannot match the credibility and trust which it enjoys. Hence, the new FD scheme is aimed at ensuring 100% absolute safety of capital, alongside guaranteed interest payouts on a monthly, quarterly, or annual basis. It also provides investors the option of cumulative deposits wherein the returns are compounded over the entire period of investment. LIC’s strong track record and AAA rating only serve to reinforce its position of being among the safest places to park money in India.
Who Should Invest in This Scheme
This FD scheme is for retirees, salaried professionals, and risk-averse investors looking to earn a steady income without concern for market fluctuations. Returns are inflation-adjusted, and there is an option for flexible withdrawal after the lock-in period. Hence, this scheme can suit both short-term and long-term savings.
Conclusion
The LIC New FD Scheme 2025 marries safety with attractive rates of interest, thereby cementing LIC’s reputation as a trusted name in the Indian financial ecosystem. For anyone seeking stability and assured income, there can hardly be a better fixed-income investment alternative this year.
