LIC Pension Plan 2025 – The Life Insurance Corporation of India (LIC) has launched a powerful pension option for 2025 that promises lifelong monthly income with zero risk. Under this limited-time offer, citizens can invest a lump sum of ₹1,00,000 in a special LIC Fixed Deposit (FD)-linked annuity plan and receive ₹6,500 every month — completely tax-free and backed by government guarantee. With no medical checkups and no age restrictions up to 70 years, this scheme is a game-changer for pension planning.
What Is LIC’s Pension Plan 2025?
LIC’s 2025 Pension Plan is a hybrid Fixed Deposit–Annuity Scheme designed to provide monthly pension-like income from a one-time investment. The offer is valid for a limited period till 25 July 2025 and is ideal for senior citizens, early retirees, or anyone looking for a safe income source post-retirement.
This plan offers:
- Monthly payout of ₹6,500 for life
- One-time investment of ₹1,00,000
- No tax deductions on monthly income
- 100% capital safety
- Backed by LIC and Government of India
Key Features of the LIC Pension Scheme
Here’s a quick overview of what makes this scheme attractive:
- Name of Scheme: LIC Monthly Pension FD Plan 2025
- Eligibility: Indian Citizens aged 18 to 70
- Investment Amount: ₹1,00,000 (minimum)
- Payout: ₹6,500/month for life
- Taxation: No TDS, No Income Tax applicable
- Risk: Zero risk; government-backed
- Tenure: Lifelong after deposit
- Last Date to Apply: 25 July 2025
Monthly Income Benefits Breakdown
The biggest highlight of this LIC scheme is the steady monthly income. Here’s how different deposit amounts translate into monthly returns:
| Investment Amount | Monthly Pension | Annual Return | Total Lifetime Benefit (est.) |
|---|---|---|---|
| ₹1,00,000 | ₹6,500 | ₹78,000 | ₹15,60,000 (20 years) |
| ₹2,00,000 | ₹13,000 | ₹1,56,000 | ₹31,20,000 (20 years) |
| ₹5,00,000 | ₹32,500 | ₹3,90,000 | ₹78,00,000 (20 years) |
| ₹10,00,000 | ₹65,000 | ₹7,80,000 | ₹1.56 Crore (20 years) |
| ₹50,000 | ₹3,250 | ₹39,000 | ₹7,80,000 (20 years) |
| ₹75,000 | ₹4,875 | ₹58,500 | ₹11,70,000 (20 years) |
| ₹1,50,000 | ₹9,750 | ₹1,17,000 | ₹23,40,000 (20 years) |
Why This Scheme Is Perfect for Pension Planning
This LIC Pension Plan 2025 stands out due to the following reasons:
- Fixed Monthly Income: Never worry about income fluctuation or stock market risks.
- No Tax on Pension: Every rupee you receive is yours to keep.
- Simple One-Time Investment: Just deposit once, reap benefits lifelong.
- No Hidden Charges: Full transparency and government oversight.
- No Medical Checkups: Ideal for senior citizens or those with pre-existing conditions.
How to Apply for LIC Pension FD Scheme 2025
Applying is quick, paperless, and can be done online or offline.
Online Process:
- Visit the official LIC website or contact your nearest LIC agent
- Navigate to “Pension and Annuity” section
- Choose “FD Pension Plan 2025”
- Fill in your Aadhaar, PAN, and bank account details
- Upload address and identity proof
- Pay ₹1,00,000 using UPI, net banking, or debit card
- Receive confirmation on your registered mobile/email
Offline Process:
- Visit your nearest LIC branch
- Carry a copy of your Aadhaar, PAN, and bank passbook
- Ask for “Pension FD Plan 2025” form
- Submit documents and pay via cheque/DD
Documents Required
To enroll, make sure you have the following:
- Aadhaar Card
- PAN Card
- Age Proof (Voter ID, Passport, etc.)
- Bank Account Details
- Passport-sized Photo
Important Deadlines and Conditions
| Event/Requirement | Details |
|---|---|
| Scheme Launch Date | 1 July 2025 |
| Last Date to Apply | 25 July 2025 |
| Eligibility Age | 18 to 70 years |
| Pension Starts From | Within 30 days of deposit |
| Withdrawal Option | Not available (for lifelong income) |
| Nominee Facility | Yes, monthly amount to nominee |
| Medical Tests Required | No |
Tax & Legal Advantages of LIC Pension Plan
This scheme provides complete tax exemption on both investment and returns under prevailing rules. Since LIC is a government-backed entity, your money is secure. Also:
- No GST on investment
- No income tax on pension received
- LIC Act ensures legal protection of your investment
- Nominee benefits ensured under Indian succession laws
If you are nearing retirement or want a safe, fixed monthly income with zero tax burden, the LIC Pension FD Plan 2025 is a golden opportunity. It offers a reliable income source, is hassle-free, and requires just a single investment. But make sure to apply before 25 July 2025, as the scheme is time-bound.
FAQs
Q1. Is this LIC Pension Scheme 100% tax-free?
Yes, currently, the monthly pension you receive under this scheme is tax-free under Section 10 of the Income Tax Act.
Q2. Can I apply if I am already retired or a senior citizen?
Yes, anyone aged between 18 to 70 years is eligible, including retirees and pensioners.
Q3. Can I withdraw the invested ₹1 lakh in the future?
No, once invested, the amount is locked-in for lifelong pension. There is no premature withdrawal option.
Q4. Is there any medical test or health verification needed?
No, the scheme does not require any medical checkups, making it ideal for people with health conditions.
Q5. How long will I receive the ₹6,500 monthly pension?
You will receive the amount for life. After your death, the nominee may continue to receive it depending on the chosen annuity option.