In 2025 the Life Insurance Corporation of India (LIC) has launched a new Fixed Deposit (FD) scheme to help investors earn a guaranteed monthly income. This scheme is attracting individuals who want a safe investment that would offer a steady return.
An investment of ₹1 lakh can yield a monthly return of approximately ₹6,500, which the scheme promises to individuals who wish to maintain a steady financial state. Although the offered monthly income seems attractive, one should always calculate and compare the total returns to get complete clarity.
What is the LIC FD Scheme?
The LIC FD Scheme is a fixed deposit investment plan that was introduced to provide a fixed income at regular intervals. This scheme is distinct from the traditional FDs offered by banks as it is registered under LIC and as such can be trusted. The scheme focuses on providing higher monthly payouts, which makes it attractive for retirees, salaried professionals, and individuals seeking passive income.
Investment and Returns
An investor can deposit ₹1 lakh under this scheme and is entitled to a monthly return of ₹6,500. Since this is a structured payment plan, the principle will earn a certain interest that allows it to pay out a fixed monthly amount. This scheme is targeted at people who want consistent returns as opposed to returns that fluctuate with market performance.
Benefits of the Scheme
The LIC FD Scheme ensures a dependable income stream to families, which allows them to budget for their monthly expenses without worrying about any unexpected financial shortfall. It is especially useful for individuals above the retirement age who would like to protect their post-retirement life and secure a pension-like income. Furthermore, due to the favourable reputation that LIC has, every depositor is guaranteed investment safety, which gives them peace of mind.
Comparison with Bank FDs
Like bank fixed deposits, this LIC fixed deposit also promises guaranteed returns. The key difference is that the monthly payouts are higher than those offered by fixed deposits by the banks. LIC’s fixed deposits offer higher monthly returns because of the aim to provide better financial security.
Who Should Invest?
Retirees, homemakers, and other small investors stand to gain the most from this scheme. They do not require the risk of stock markets or mutual funds to increase the value of their money. With safe and reliable financial products such as the one under review, they can increase their income considerably.
Final Thoughts
The LIF FD Scheme 2025 stands out as an ideal investment for safety-concerned individuals and those seeking steady incomes as it offers a return of Rs. 6,500 per month for an investment of Rs. 1 lakh, helping investors maintain financial balance in the absence of worrying about market changes. Conservative investors in India are expected to embrace the scheme due to LIC’s reputation and legacy.