The Life Insurance Corporation of India (LIC) has come out with a high-interest FD scheme for 2025, offering excellent returns for investors seeking safe and steady income. The scheme offers guaranteed monthly payouts and thus quite suitable for retirees, the salaried, and conservative investors for whom safety is paramount.
Key Features of LIC FD
The LIC FD 2025 scheme permits investors to deposit a minimum of ₹1 lakh and draw a monthly income in the form of fixed-interest payouts. It accounts for one of the highest interest rates amongst public sector FDs, assuring investors of steady cash flows. Senior citizens get an additional 0.25% to 0.5% interest, on increasing the amount they draw monthly, which also helps in sustain their financial needs during retirement.
Monthly Income for ₹1 Lakh Investment
For 1 lakh principal investment, the returns can go as high as ₹6,500 per month, depending upon the tenure selected and the frequency of interest payment chosen. LIC has given two options: cumulative and non-cumulative. Non-cumulative FDs are beneficial for those who require liquidity every month for meeting their living expenses, and cumulative FDs grow in value over a period and pay out a larger sum on maturity.
Safety and Reliability
‘LIC FDs are highly safe investment avenues because they are controlled by a government government organization and can therefore be considered safe options for risk-averse investors.’ Deposits are secure because investors trust the company to observe timely payouts and transparency. In this FD scheme, tenures are flexible in the range usually of 1 to 5 years so that the depositor can correlate the deposits on short-term or medium-term financial considerations.
Retirement and Regular Income Are Ideal
The LIC FDs scheme is ideal for retirees and senior citizens who intend to supplement their pension income, as also for working class hoping to acquire a monthly income from guaranteed returns. This scheme, along with being safe and flexible, gives the best choices of fixed-income investments in 2025.
Conclusion
This LIC FD is the right answer for investors seeking fixed monthly income by credible and secure institutions. With monthly returns up to Rs 6,500 on 1 lakh investment, this FD is perfect for generating fixed income and maintaining financial stability.