For individuals seeking a safe investment option that combines insurance and guaranteed returns, the LIC Gram Suraksha Yojana 2025 is an excellent choice. This scheme provides the dual benefit of life cover and long-term savings, making it ideal for protecting your family while steadily growing your wealth. By investing only ₹5,000 per month, you could potentially accumulate a corpus of around ₹31 lakh at maturity, making it a strong option for retirement planning, children’s education, or wealth creation.
What Is the Gram Suraksha Yojana?
The Gram Suraksha Yojana is one of LIC’s most popular rural savings and protection schemes, aimed at offering life insurance coverage along with a lump-sum maturity benefit. The scheme is particularly designed for rural and semi-urban investors, providing financial security to families in the event of the policyholder’s death while also allowing investors to grow a substantial corpus over time.
Investment Details and Returns
Investors contributing ₹5,000 monthly can expect a maturity amount of around ₹31 lakh at the end of a 20-year term. The maturity amount includes the sum assured plus accumulated bonuses, providing a guaranteed and predictable return.
LIC Gram Suraksha Yojana 2025 Investment Table
| Monthly Investment (₹) | Policy Term (Years) | Expected Maturity Amount (₹) |
|---|---|---|
| 5,000 | 20 | 31,00,000 |
| 3,000 | 20 | 18,60,000 |
| 2,000 | 20 | 12,40,000 |
| 1,500 | 20 | 9,30,000 |
Key Features of LIC Gram Suraksha Yojana
- Life Cover: Provides protection throughout the policy term.
- Maturity Benefit: Guaranteed sum assured plus accumulated bonuses.
- Flexible Premium Options: Pay monthly, quarterly, or annually.
- Loan Facility: Borrow against your policy if needed.
- Beneficiary Nomination: Ensure financial security for your loved ones.
- Tax Benefits: Eligible under Section 80C and 10(10D) of the Income Tax Act.
Who Can Apply?
The scheme is open to individuals aged 19 to 55 years. It caters to all income groups, with a minimum sum assured starting from ₹10,000 and no upper limit, making it accessible for both small and moderate investors.
Benefits of Investing in Gram Suraksha Yojana
- Dual Advantage: Combines life insurance with investment returns.
- Assured Returns: Safe, guaranteed growth not linked to market fluctuations.
- Financial Protection: Ensures family security in case of policyholder’s death.
- Rural Focus: Designed for easy accessibility to safe investment options.
- Stable and Reliable: Long-term wealth creation without market risks.
Conclusion
The LIC Gram Suraksha Yojana 2025 is a highly effective plan for anyone seeking financial security and long-term savings. By contributing ₹5,000 monthly, investors can potentially build a corpus of ₹31 lakh over 20 years while enjoying the protection of life insurance. It is a safe, structured, and reliable investment plan for securing your future and that of your family.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. The returns mentioned (e.g., ₹31 lakh maturity) are indicative and depend on LIC’s declared bonuses and policy terms. Consult an authorized LIC agent or visit the official LIC website before investing. Terms and conditions apply.
