LIC New FD 2025: Earn ₹13,000 Monthly on ₹2 Lakh with Guaranteed Returns
Life Insurance Corporation of India (LIC) has recently unveiled a new fixed deposit (FD) scheme that has piqued the interest of conservative investors. The plan guarantees reliable returns, making it a suitable choice for those who want to grow their savings safely.
With a minimum investment of ₹2 lakh, participants can earn a steady monthly income of ₹13,000, offering a practical financial solution in today’s unpredictable economic climate.
Why Consider LIC FD?
LIC has earned a reputation as one of India’s most trustworthy financial institutions. Backed by the government, it provides a level of security that many private firms cannot match. This new FD scheme continues LIC’s tradition of offering guaranteed returns. Unlike equity-linked instruments such as stocks or mutual funds, fixed deposits keep your principal intact and provide predictable earnings. This scheme is particularly designed for investors who prefer safety and want a stable monthly income.
Features of LIC’s FD Scheme
This FD allows a minimum investment of ₹2 lakh with monthly interest payments of ₹13,000. Such payouts make it an attractive option for retirees, homemakers, or anyone looking for regular income. The tenure, premature withdrawal rules, and tax provisions are structured to be convenient and transparent. Unlike traditional deposits that pay interest at maturity or annually, this plan provides liquidity through monthly payouts, making it easier to manage day-to-day finances.
Understanding Returns
The promised ₹13,000 monthly income is based on a fixed interest rate, ensuring returns are not affected by market fluctuations. LIC calculates interest every month and deposits it directly into the investor’s account, leaving the principal intact for withdrawal upon maturity. This approach provides financial predictability, allowing investors to plan their expenses confidently.
Advantages for Retirees and Homemakers
Retirees often seek investments that generate reliable income without putting their savings at risk. LIC’s FD caters to this requirement perfectly, offering monthly payouts that can cover routine expenses, medical costs, and other necessities. Homemakers or those without a regular income can also benefit from the guaranteed interest, ensuring a steady cash flow to manage household needs.
How LIC FD Compares to Bank FDs
Standard bank FDs offer annual interest rates between 5 to 7 percent, depending on tenure and policies. LIC’s scheme, with ₹13,000 per month on ₹2 lakh, provides a higher effective return. The combination of superior returns and LIC’s credibility makes it a strong alternative to traditional bank deposits. Investors should, however, review terms like lock-in period, premature withdrawal penalties, and tax implications to make an informed decision.
Safety and Guarantee
The main advantage of LIC’s FD is its safety. Being government-backed, the principal investment is highly secure. Unlike market-linked products, this scheme guarantees fixed monthly income, offering peace of mind in uncertain economic conditions. Risk-averse investors can rely on LIC’s longstanding financial stability to protect their savings.
Ideal Investors for LIC FD
This scheme is best suited for individuals prioritizing safety and regular income. Retirees, salaried professionals seeking backup income, and homemakers can benefit from monthly payouts. While it may not appeal to those chasing high-growth investments, it is an excellent choice for conservative investors looking to diversify with low-risk options.
Investment Process
Investing in LIC’s FD is simple. Prospective investors can visit the nearest LIC branch or authorized agent to get information and complete the application. Required documents typically include identity proof, address proof, and the investment amount. Payments can be made via cheque, demand draft, or electronic transfer, with monthly interest conveniently credited to the investor’s bank account.
LIC FD Returns Overview
| Investment Amount | Monthly Income | Approximate Effective Interest Rate | Minimum Tenure | Payout Frequency |
|---|---|---|---|---|
| ₹2,00,000 | ₹13,000 | Around 7.8% per month equivalent | Check with LIC | Monthly |
LIC’s fixed deposit offers a reliable combination of guaranteed returns and government-backed security, ensuring financial stability and ease of planning.
Final Verdict
LIC’s new fixed deposit scheme is an excellent option for conservative investors who prioritize security and a predictable monthly income. With ₹13,000 per month on a ₹2 lakh investment, it provides a rare mix of stability, transparency, and convenience. In uncertain times, having a reliable investment that generates regular cash flow can make a significant difference in financial planning.
Disclaimer
The content provided here is for informational purposes only and should not be taken as financial advice. Investors should carefully read LIC’s FD scheme terms and consult a certified financial advisor to understand suitability, risks, and taxation. Returns mentioned are based on current rates and may change. LIC and the author are not responsible for any financial losses resulting from investment decisions made based on this information.
