The LIC FD scheme 2025 is drawing strong interest from investors looking for safe monthly income with guaranteed returns. Under this new LIC fixed-income plan, an investment of ₹1.5 lakh can generate up to ₹9,500 per month, making it attractive for senior citizens, retirees, and low-risk investors who want predictable earnings without market exposure.
What Is the LIC FD Scheme 2025
The LIC FD scheme is a fixed-return income plan offered by LIC where investors deposit a lump sum and receive assured monthly payouts over a defined tenure. Unlike market-linked products, this LIC income scheme focuses on capital safety, steady cash flow, and long-term financial stability, especially suited for conservative investors.
LIC FD Scheme 2025 – Key Details
| Category | Details |
|---|---|
| Investment Amount | ₹1.5 lakh (indicative) |
| Monthly Income | Up to ₹9,500 |
| Scheme Nature | Fixed and guaranteed |
| Payout Mode | Monthly bank credit |
| Risk Level | Very low |
How ₹1.5 Lakh Can Generate ₹9,500 Monthly
The ₹9,500 monthly return under the LIC FD scheme 2025 depends on the chosen payout option, policy tenure, and age of the investor. Higher payout options allow investors to receive regular monthly income, while the principal is structured within the policy benefits.
- Guaranteed monthly income without market risk
- Stable returns suitable for retirees
- No daily management or trading required
- Direct bank credit every month
- Trusted LIC-backed financial security
Who Should Consider This LIC FD Scheme
The LIC fixed-income scheme is ideal for senior citizens, pensioners, housewives, and risk-averse investors who want monthly cash flow to manage household expenses, medical costs, or lifestyle needs without worrying about market volatility.
Benefits of LIC FD Scheme Over Regular FDs
Compared to traditional bank FDs, the LIC FD scheme offers structured monthly payouts, long-term income visibility, and insurance-backed reliability. It is especially useful for those seeking income replacement after retirement rather than lump-sum maturity benefits.
Conclusion
The LIC FD Scheme 2025 offering ₹9,500 monthly income on a ₹1.5 lakh investment provides a strong solution for investors seeking security, consistency, and peace of mind. With guaranteed returns and trusted backing, it stands out as a dependable income option for conservative financial planning.
Disclaimer
This article is for informational purposes only. Actual monthly income, eligibility, tenure, and returns under the LIC FD scheme 2025 depend on official LIC policy terms and conditions. Figures mentioned are indicative and may vary. Investors should verify details with authorized LIC representatives before investing.