For people daring to invest their money in some secure option for the longer term with guaranteed returns, Gram Suraksha by LIC will be preferred. This scheme offers a blend of investment cum insurance benefits and gives priority to financial security in the life of the individual and his family. Under the Gram Suraksha plan, an investor investing ₹5,000 every month would get returns up to ₹31 lakh on maturity.
What Is Gram Suraksha Yojana?
The Gram Suraksha Yojana is surely one of the most well-known rural savings and protection schemes of LIC. The whole purpose is to furnish an insurance cover against death and a lump-sum maturity benefit. Thus, the scheme ensures that small monthly savings can produce a big corpus for investment over time; this, in turn, protects their nerve, which is, the family.
Investment Details and Returns
If you invest ₹5,000 every month in this scheme, you can expect a return of around ₹31 lakh at maturity, based on the term and bonus rates declared by LIC. The minimum term for the policy is 15 to 20 years, which consists of the sum assured plus accumulated bonuses termed as ultimate maturity amount.
For instance:
Monthly Investment: ₹5,000
Policy Term: 20 Years
Maturity Amount: Approx. ₹31 lakh
This thus makes it one of the best long-term saving plans, offering guaranteed benefits at minimal risk.
Key Features of LIC Gram Suraksha Yojana
- Life cover throughout the policy term
- Maturity benefit with guaranteed returns
- Flexible premium payment options (monthly, quarterly, or yearly)
- Loan facility available against the policy
- Option to nominate beneficiaries
- Tax benefits under Section 80C and Section 10(10D) of the Income Tax Act
Applicant Profile for the Scheme
Persons whose age is between 19 and 55 years are eligible for the LE Gram Suraksha Yojana. The minimum sum assured starts from ₹10,000 and there is no such maximum limit, so that low-moderate income category investors can buy it.
Benefits of Investing in Gram Suraksha
- Dual Advantages: Investment-cum-insurance.
- Assured Returns: Maturity proceeds payable without any regard to the market situation.
- Financial Security: Gives protection to the family of the person concerned, in case of any adverse circumstances.
- Rural Reach: Designed especially for rural and semi-urban investors.
The Drawing Power of This Scheme
The Gram Suraksha Yojana is fully stable, contrary to market-linked products. This stability is for people who want to safely nurture their savings in place of long-term protection. It’s simple in structure and gives assured bonuses, making it a preferred option with small investors.
Conclusion
LIC Gram Suraksha Yojana is a good investment scheme, assuring both financial growth and protection. With a small monthly contribution of ₹5,000/-, one can amass a corpus of ₹31 lakhs over a period. It is one of the best schemes in 2025 for anyone looking for a safe government scheme for saving with life cover benefits.