The Life Insurance Corporation of India (LIC) has introduced a high-yield Fixed Deposit (FD) scheme for 2025, providing investors with a safe and reliable option to generate consistent monthly income. This FD is particularly suitable for retirees, salaried individuals, and conservative investors who prioritize financial security while earning attractive returns.
Key Features of LIC FD 2025
The LIC FD 2025 allows investors to deposit a minimum of ₹1 lakh and receive guaranteed monthly payouts. The scheme offers some of the highest interest rates among public sector FDs. Senior citizens benefit from an additional 0.25% to 0.5% interest, helping them sustain their monthly financial requirements comfortably. The FD offers both cumulative and non-cumulative options, catering to the needs of investors who prefer liquidity or wish to grow their corpus over time.
Monthly Income from ₹1 Lakh Investment
For a principal investment of ₹1 lakh, investors can earn up to ₹6,500 per month, depending on the tenure and interest payout frequency selected. Non-cumulative FDs are ideal for those seeking regular cash inflow, whereas cumulative FDs allow the invested amount to grow and pay a larger sum at maturity.
Safety and Reliability
Being backed by a government-owned organization, LIC FDs are considered highly secure. Investors can trust the institution for timely payouts, transparency, and strict adherence to regulations. The scheme offers flexible tenures, generally ranging from 1 to 5 years, allowing investors to plan for short-term or medium-term financial needs with confidence.
Ideal for Retirement and Regular Income
LIC FDs are perfect for retirees and senior citizens aiming to supplement their pension income, as well as for working professionals looking for a stable monthly income. The combination of safety, flexibility, and attractive returns makes it one of the most appealing fixed-income options in 2025.
LIC FD 2025 – Key Features Overview
| Feature | Details |
|---|---|
| Minimum Investment | ₹1,00,000 |
| Interest Rate | Among the highest in public sector FDs, extra 0.25–0.5% for seniors |
| Tenure | 1 to 5 years |
| Payout Options | Cumulative and Non-Cumulative |
| Monthly Income (for ₹1 Lakh) | Up to ₹6,500 |
| Ideal For | Retirees, senior citizens, salaried professionals |
| Safety | Government-backed, highly secure |
| Flexibility | Partial/Full withdrawal options as per FD terms |
Conclusion
The LIC FD 2025 is a dependable solution for investors seeking guaranteed monthly income from a trusted institution. With the potential to earn up to ₹6,500 per month on a ₹1 lakh investment, this FD provides financial stability and long-term security, making it a top choice for conservative investors in 2025.
