LIC 2025 FD Plan Offer – The Life Insurance Corporation of India (LIC) has launched a high-yield fixed deposit (FD) scheme for 2025, offering an attractive 8.2% interest rate on long-term deposits. This scheme is designed to provide a stable monthly income for investors, especially senior citizens and middle-income families looking for reliable returns. A deposit of ₹50,000 under this LIC FD Plan can earn you ₹4,100 every month for 5 years — making it a lucrative option in today’s fluctuating market.
What is LIC’s 2025 FD Scheme?
LIC’s 2025 FD scheme is a non-market-linked savings plan offering fixed monthly returns for a period of 5 years. The scheme has been structured to resemble the benefits of an FD but with enhanced returns and security backed by LIC’s trusted legacy.
Key Features:
- Monthly income benefit with fixed returns
- High interest rate of 8.2% per annum
- Minimum deposit: ₹50,000
- Lock-in period: 5 years
- Safe investment backed by LIC
Monthly Returns Table Based on Deposit Amount
The “Monthly Returns Table Based on Deposit Amount” clearly illustrates how much fixed monthly income an investor can earn based on their deposit. For example, with just ₹50,000, you receive ₹4,100 every month, and this amount scales proportionally with higher investments. This helps investors easily calculate and plan their monthly financial needs while choosing the ideal deposit size according to their goals.
Here is a breakdown of how much you can earn monthly based on different deposit amounts:
| Deposit Amount | Interest Rate | Monthly Return | Annual Return | 5-Year Total Return |
|---|---|---|---|---|
| ₹50,000 | 8.2% | ₹4,100 | ₹49,200 | ₹2,46,000 |
| ₹1,00,000 | 8.2% | ₹8,200 | ₹98,400 | ₹4,92,000 |
| ₹2,00,000 | 8.2% | ₹16,400 | ₹1,96,800 | ₹9,84,000 |
| ₹3,00,000 | 8.2% | ₹24,600 | ₹2,95,200 | ₹14,76,000 |
| ₹4,00,000 | 8.2% | ₹32,800 | ₹3,93,600 | ₹19,68,000 |
| ₹5,00,000 | 8.2% | ₹41,000 | ₹4,92,000 | ₹24,60,000 |
| ₹10,00,000 | 8.2% | ₹82,000 | ₹9,84,000 | ₹49,20,000 |
*Note: Monthly payouts are indicative. Actual disbursal may vary slightly based on LIC’s internal calculations and applicable tax deductions.
Who Should Invest in LIC’s 8.2% FD Plan?
This plan is best suited for:
- Senior citizens looking for steady income
- Retirees who need a fixed monthly payout
- Salaried individuals planning for medium-term savings
- Families wanting a no-risk investment with regular returns
- Anyone seeking better returns than traditional bank FDs
Benefits of LIC’s Fixed Deposit-Like Scheme
- Higher Returns Than Bank FDs: Traditional fixed deposits from banks usually offer 6-7% returns. LIC’s 8.2% plan clearly offers a better deal.
- Monthly Income Assurance: Guaranteed monthly payout makes it easier to manage household expenses.
- Zero Risk Investment: LIC is a government-backed institution with a clean record of trust.
- Low Minimum Investment: With just ₹50,000, investors can start earning monthly income.
- Flexible Payout Options: Payouts can be credited directly to bank accounts.
LIC FD Plan vs Bank Fixed Deposit: Comparison Table
Here’s how LIC’s FD-like scheme compares with regular bank FDs:
| Feature | LIC FD Plan 2025 | Regular Bank FD |
|---|---|---|
| Interest Rate | 8.2% | 6.5% (avg.) |
| Monthly Income Option | Yes | Limited |
| Minimum Investment | ₹50,000 | ₹10,000 |
| Lock-in Period | 5 years | 1-5 years |
| Safety | Very High (LIC) | High (Bank) |
| Returns on ₹1 Lakh | ₹8,200/month | ₹6,250/month |
How to Apply for LIC’s Monthly Income Scheme
To invest in this plan, follow the steps below:
- Visit your nearest LIC branch or authorized LIC agent
- Carry identity proof, PAN card, Aadhaar, and bank account details
- Choose the investment amount and tenure (default 5 years)
- Submit filled application form along with cheque or online payment
- Your monthly payout starts one month from the date of deposit
Important Documents Required:
- Aadhaar card
- PAN card
- Recent passport-size photo
- Address proof
- Bank passbook or cancelled cheque
Additional Terms and Conditions
- TDS may be applicable on interest earned as per income tax rules
- Nomination facility available
- Loan facility may not be available on this plan
- Premature exit is not allowed before 5 years
- Interest credited monthly to registered bank account
LIC’s 2025 FD Plan offers a rare opportunity to earn high monthly income from a safe and reputed source. With guaranteed returns of ₹4,100 per month on just ₹50,000, this plan can significantly boost financial stability, especially for families and retirees. As interest rates fluctuate in banks, LIC’s fixed return plan stands out as a powerful investment tool in 2025.
If you’re looking for a combination of safety, higher returns, and monthly payouts, this LIC FD scheme is worth strong consideration. Apply early to lock in the best rate.
Frequently Asked Questions (FAQs)
Q1. Is LIC’s 2025 FD scheme safe?
Yes, it is completely safe as it is backed by LIC, which is a government-owned corporation.
Q2. Can I withdraw my deposit before 5 years?
No, premature withdrawal is not permitted under this scheme. It is locked for 5 years.
Q3. Will I get the full ₹4,100 per month without tax deduction?
TDS may apply if total annual interest exceeds the taxable limit. Consult your tax advisor.
Q4. Is there any age limit to invest in this plan?
No, individuals of all age groups can invest, but it is especially beneficial for senior citizens.
Q5. How can I apply for this LIC plan online?
Currently, this plan is best accessed through LIC branches or agents. Online application may not be available for this specific scheme yet.