LIC New FD Scheme : LIC has introduced a new fixed deposit scheme that offers safe, steady, and attractive returns. If you want guaranteed earnings without market risk, this plan can help you earn up to ₹37,500 every year through simple and secure investing.
LIC FD Scheme: What Makes It Special?
LIC has launched two new deposit plans-Sanchay Public Deposit Scheme and Green Deposit Scheme. These schemes work like fixed deposits and are designed for people who want stable returns with full security. Both individuals and companies can invest, making it suitable for every type of investor.
Read Also : LIC FD Scheme 2025: Secure ₹13,000 Monthly Income with ₹2 Lakh Investment
Interest Rates in LIC FD Scheme
The interest rate depends on the tenure you choose. LIC offers six maturity slabs, and senior citizens get an extra 0.25% on all plans.
| Tenure | Interest Rate |
|---|---|
| 15 Months | 6.75% |
| 18 Months | 6.75% |
| 2 Years | 6.80% |
| 3 Years | 6.85% |
| 5 Years | 6.90% |
| Senior Citizens | 7.50% (all slabs) |
How Much Can You Earn from LIC FD Scheme?
If you invest ₹20,000 for 5 years, the maturity amount becomes ₹27,920. This includes total interest of ₹7,920.
Now let’s see senior citizen benefits. A senior citizen who invests ₹2 lakh earns ₹14,500 per year. And if the investment increases to ₹5 lakh, the yearly interest becomes ₹37,500.
This makes the scheme ideal for retirees looking for a safe, predictable income source.
Read Also : LIC New Special Scheme: Invest ₹150 and Get ₹19 Lakh Returns!
Why LIC FD Scheme Is Safe for Investors
LIC is one of India’s most trusted financial institutions. These FDs come with guaranteed returns, flexible tenure options, and the benefit of loans up to 75% of the deposit amount. Moreover, the minimum deposit starts at just ₹20,000 and goes up to ₹3 crore.
Therefore, whether you are a new investor or someone planning retirement, this scheme ensures peace of mind along with steady earnings.
FAQs
1. Is the LIC FD scheme safe?
Yes, it is backed by LIC, making it one of the safest fixed deposit options in India.
2. What is the minimum deposit amount?
You can start investing with as little as ₹20,000.
3. Do senior citizens get extra interest?
Yes, senior citizens receive an additional 0.25% interest on all tenure options.
