LIC New FD Plan – In a surprising move that has caught the attention of savers across India, the Life Insurance Corporation of India (LIC) has launched a revolutionary Fixed Deposit-like plan for 2025. By depositing just ₹1 lakh once, investors can now receive a guaranteed ₹6,500 every month — for life. With no renewal, no documentation hassle, and lifelong security, this plan has broken investment records within weeks of launch. Let’s take a detailed look at how this scheme works, what benefits it offers, who is eligible, and whether you should consider investing.
What Is LIC’s ₹1 Lakh Lifetime Monthly Return Scheme?
LIC’s newly introduced plan is technically not a traditional fixed deposit but a single-premium pension plan that behaves like an FD with lifetime monthly returns. The scheme is designed to provide immediate income post-investment — making it ideal for senior citizens, retirees, and anyone seeking passive monthly income.
Key Highlights of the Scheme
- One-time investment of ₹1,00,000
- Guaranteed ₹6,500 monthly payout
- Lifetime benefit — no expiry or maturity limit
- No TDS deduction on monthly return (if within limits)
- Safe, government-backed investment option
- Option to nominate family for post-death continuation
Who Is Eligible to Invest in LIC’s 2025 FD-Like Monthly Plan?
The scheme is open to most Indian citizens, with special preference and simplified onboarding for senior citizens. Here’s the eligibility overview:
| Criteria | Details |
|---|---|
| Minimum Entry Age | 40 years |
| Maximum Entry Age | 80 years |
| Nationality | Indian Citizens Only |
| One-Time Deposit Requirement | ₹1,00,000 lump sum |
| Income Source Restrictions | No restrictions on salaried or self-employed |
| Nomination Facility | Available |
| Monthly Return Period | Lifetime |
LIC Monthly Income Plan 2025 vs Traditional FD – Detailed Comparison
Many investors wonder how this new LIC plan compares with a standard Fixed Deposit (FD) or bank pension plan. Here’s a detailed comparison to help you understand the difference:
| Feature | LIC Monthly Income Plan 2025 | Traditional Fixed Deposit |
|---|---|---|
| Investment Type | Pension-like Monthly Income Plan | Time Deposit (Fixed) |
| Investment Amount | ₹1,00,000 (one-time) | ₹1,00,000 (flexible tenures) |
| Monthly Income | ₹6,500 (Guaranteed) | ₹550 to ₹700 approx |
| Duration | Lifetime | 1 to 10 years |
| Return Guarantee | Yes | Yes (limited to term) |
| Tax Deduction on Returns | Generally No (within limit) | Yes (TDS applicable) |
| Liquidity | No premature withdrawal allowed | Can break FD with penalty |
How Does the ₹6,500 Monthly Payout Work?
LIC pools your one-time deposit into a secure pension plan that immediately starts disbursing monthly payouts. The ₹6,500 payout is fixed and does not vary with market performance, offering peace of mind to the investor.
Calculation Breakdown:
- Principal Deposit: ₹1,00,000 (one-time)
- Monthly Income: ₹6,500
- Annual Income: ₹78,000
- Break-Even: 1 year 3 months
- Lifetime earnings (20 years): ₹15,60,000+
This means your original ₹1 lakh could yield over ₹15 lakh across 20 years — without lifting a finger.
Benefits of LIC’s ₹1 Lakh FD-Like Scheme
This plan is gaining viral attention across the country, especially in small towns and among retired investors. Here’s why:
- Lifetime Guarantee: Income continues till the death of the policyholder
- No Reinvestment Stress: Single deposit, no maturity headache
- Safe Investment: Backed by LIC, a government entity
- Ideal for Non-Working Citizens: Housewives, senior citizens, or disabled individuals
- Nominee Benefit: Family continues to receive benefits post demise (optional)
How to Apply for the LIC Lifetime Monthly Return Plan?
The scheme can be availed both online and offline. LIC agents and offices across India are actively promoting the offer with simplified KYC rules.
Application Steps:
- Visit your nearest LIC branch or official LIC website
- Fill the single-premium pension scheme form
- Submit your Aadhaar card, PAN card, and 2 photos
- Deposit ₹1,00,000 via cheque/NEFT/DD
- Choose monthly payout mode (bank transfer)
- Wait for 15-30 days for first credit
Why This Plan Is Going Viral in 2025
The unmatched combination of low investment, high monthly return, and zero renewal requirement has turned this plan into one of the most popular LIC products of the decade. With growing uncertainty in jobs and inflation, many families are looking for steady secondary incomes — and this scheme offers just that.
| Viral Feature | Reason It’s Popular |
|---|---|
| ₹6,500 Monthly for Life | High income compared to other schemes |
| No Market Risk | Returns not linked to stock or mutual funds |
| One-Time Deposit Only | No yearly renewal or premium burden |
| Lifetime Security | Perfect for retirees and senior citizens |
| Social Media Buzz | Videos and reviews making it trend online |
| Nominee Option | Helps family after policyholder’s demise |
| Government Trust | LIC is India’s most trusted financial institution |
FAQs – LIC Monthly ₹6,500 Pension Plan 2025
Q1. Is LIC’s ₹6,500 monthly plan real or fake?
Yes, it is a real scheme offered under LIC’s single premium pension plan category. Always verify at your local LIC branch before investing.
Q2. Can I withdraw the ₹1 lakh later if needed?
No. Once invested, the amount is locked for life and converted into monthly income. There is no premature withdrawal facility.
Q3. Will my ₹6,500 monthly income be taxed?
If your total income falls within taxable limits, then yes. But if it’s below the exemption limit, no tax is applicable.
Q4. Can I take this scheme online?
Yes. LIC’s official portal allows online application under eligible plans. However, many prefer going through local LIC agents.
Q5. Can a nominee get the money after the investor’s death?
Yes, depending on the plan variant chosen. Nominee may receive a lump sum or continued pension.