LIC Investment Scheme : When it comes to long-term financial security, especially in an uncertain economy, finding a reliable and affordable investment is key. LIC’s ₹45/day investment scheme is rapidly gaining popularity among Indians looking for low-risk, high-return savings options. In 2025, this policy stands out for offering the potential of a ₹25 lakh return, making it one of the most attractive plans for salaried individuals, small business owners, and long-term savers alike.
Let’s explore how this policy works, who should consider it, and why it might be the best choice for your financial future.
What is LIC’s ₹45 Per Day Investment Plan?
LIC’s ₹45/day plan is a life insurance-cum-savings scheme where the policyholder deposits approximately ₹1,350 per month. Over a fixed term—typically 25 to 30 years—the invested amount accumulates through guaranteed additions and bonuses, ultimately amounting to a maturity corpus of around ₹25 lakh.
This plan is designed to cater to middle-income individuals who want a disciplined savings habit combined with life cover and tax benefits.
Key Features of the Plan:
- Daily investment as low as ₹45
- Long-term corpus up to ₹25 lakh
- Life insurance coverage throughout the term
- Tax benefits under Section 80C and 10(10D)
- Suitable for individuals aged 18 to 55
- Policy term options from 15 to 35 years
- Available offline and online via LIC’s official portal
Why LIC’s ₹45 Per Day Plan is Gaining Attention in 2025
Amid rising inflation, job market volatility, and growing financial awareness, Indians are looking for secure, high-return investment avenues. This plan offers peace of mind with long-term wealth accumulation, insurance protection, and stable returns without the unpredictability of market-linked instruments.
Benefits That Make It Stand Out:
- Affordability: Easily fits into the monthly budget of most families
- Guaranteed Return: Not linked to market fluctuations
- Dual Advantage: Combines insurance protection with savings
- Loan Facility: Option to avail loans against policy after a few years
- Death Benefit: Family receives sum assured + bonus in case of policyholder’s death
How the ₹45/Day Plan Works: Investment vs Return Breakdown
To understand the true value of this policy, let’s look at a real-world example assuming a 30-year-old policyholder opts for a 30-year term.
Investment Summary Table:
| Particulars | Details |
|---|---|
| Daily Investment | ₹45 |
| Monthly Premium | ₹1,350 |
| Annual Premium | ₹16,200 |
| Policy Term | 30 Years |
| Total Investment | ₹4,86,000 |
| Estimated Maturity Value | ₹25,00,000 |
| Type of Plan | Endowment / Money-back Plan |
| Life Cover | ₹5 Lakh to ₹10 Lakh |
Maturity Value Calculation: How ₹45 a Day Becomes ₹25 Lakh
This return is achieved through consistent annual bonuses and final additional bonuses, which LIC adds based on plan performance and profitability.
Maturity Projection Table:
| Year | Annual Premium Paid | Total Premium Paid | Bonus Accumulated | Estimated Value |
|---|---|---|---|---|
| 5 | ₹16,200 | ₹81,000 | ₹15,000 | ₹96,000 |
| 10 | ₹16,200 | ₹1,62,000 | ₹70,000 | ₹2,32,000 |
| 15 | ₹16,200 | ₹2,43,000 | ₹1,50,000 | ₹3,93,000 |
| 20 | ₹16,200 | ₹3,24,000 | ₹3,00,000 | ₹6,24,000 |
| 25 | ₹16,200 | ₹4,05,000 | ₹5,50,000 | ₹9,55,000 |
| 30 | ₹16,200 | ₹4,86,000 | ₹20,14,000 | ₹25,00,000 |
Eligibility Criteria & Key Terms
LIC has ensured that this plan remains inclusive and accessible to a broad audience.
Eligibility Requirements:
- Entry Age: 18 to 55 years
- Maximum Maturity Age: 75 years
- Minimum Policy Term: 15 years
- Maximum Policy Term: 35 years
- Minimum Sum Assured: ₹1 lakh
- Medical Exam: May or may not be required based on age and sum assured
Tax Benefits and Exemptions Under LIC Plan
Investing in LIC’s ₹45/day plan provides notable tax advantages under the Income Tax Act:
- Section 80C: Annual premiums (up to ₹1.5 lakh) can be claimed as deductions
- Section 10(10D): Maturity proceeds are tax-free, subject to certain conditions
- HUF & Individuals: Both are eligible for tax benefits
- Wealth Tax: Not applicable on LIC policy values
Tax Savings Table:
| Annual Premium | 80C Deduction | Tax Bracket | Potential Tax Saved |
|---|---|---|---|
| ₹16,200 | ₹16,200 | 10% | ₹1,620 |
| ₹16,200 | ₹16,200 | 20% | ₹3,240 |
| ₹16,200 | ₹16,200 | 30% | ₹4,860 |
How to Enroll in LIC’s ₹45 Per Day Investment Scheme
Enrolling in the plan is easy, whether online or offline. Here’s how to get started:
Steps to Buy the Policy:
- Visit the nearest LIC branch or contact a certified LIC agent
- Alternatively, visit LIC’s official website and register/login
- Choose the suitable plan and fill in personal details
- Undergo the required medical examination (if applicable)
- Submit documents (ID proof, address proof, PAN, photographs)
- Make the initial premium payment
Documents Required:
- Aadhaar Card
- PAN Card
- Address Proof (utility bill, passport, etc.)
- Passport-sized photographs
- Income proof (if sum assured is high)
Is This Plan Right for You?
This policy is ideal for:
- Young professionals starting their careers
- Families looking for safe savings with insurance
- Retirement planners aiming for a risk-free corpus
- First-time investors wanting a disciplined financial habit
If you want a plan that combines affordability, insurance, and tax savings while ensuring a sizable return in the long run, this LIC scheme checks all the boxes.
LIC’s ₹45/day investment plan is a simple yet powerful financial tool for those who seek secure long-term growth. With guaranteed returns, life coverage, and tax exemptions, it offers a solid foundation for financial independence. In 2025, as economic uncertainties continue, opting for such a policy could prove to be one of the wisest financial decisions.
FAQs
1. Can I increase my investment amount beyond ₹45/day?
Yes, you can opt for a higher premium amount based on your financial goals and eligibility.
2. Is the ₹25 lakh maturity amount guaranteed?
No, it’s an estimated value based on past bonus trends. The actual maturity value depends on LIC’s future bonus declarations.
3. What happens if I miss a premium payment?
LIC offers a grace period, and if the payment is not made within that time, the policy could lapse. Revival options are available.
4. Can I surrender the policy before maturity?
Yes, you can surrender the policy after a few years, but the return amount will be significantly lower than the maturity value.
5. Is this policy available online?
Yes, you can purchase the policy online through LIC’s official website or mobile app.