The Life Insurance Corporation of India (LIC) has rolled out a brand-new Fixed Deposit (FD) plan for 2025 offering excellent monthly benefits to the investors looking for a steady and guaranteed income. The latest news from the LIC says that an investment of ₹2.5 lakh will provide a monthly payout of ₹16,250, and thus it is the most famous financial product of this year.
Features at a Glance
- 100% Returns: The LIC FD scheme secures a predetermined monthly income which is the opposite of the market-linked instruments.
- Monthly Disbursements: A deposit of ₹2.5 lakh pays ₹16,250 a month to the investors providing liquidity as well as financial.
- Risk-Free Investment: Since the scheme is supported by LIC, the top insurer in India, it is classified as low-risk.
- Tenure Flexibility: The investors can pick different maturity timelines according to their financial objectives.
- Intended Customers: Best suited for pensioners, working people, and the ones who want a slow but steady income.
Reasons for Its Popularity
The scheme got popularity mainly because of its very high effective yield when compared to traditional bank fixed deposits. In the times of high inflation and unstable interest rates, a product that provides assured monthly income without fail is highly attractive to the financially-stability-seeking households.
Comparison with Conventional FDs
The prevailing rates of fixed deposits in almost all banks are 6% – 7%, while LIC’s FD scheme is the other way around with monthly structured payouts that work like a pension benefit. This feature makes the scheme especially appealing for the elderly and families relying on daily cash flow.
Latest Information Table
| Feature | Details | Impact |
|---|---|---|
| Investment Amount | ₹2.5 lakh | Entry point for scheme |
| Monthly Payout | ₹16,250 | Guaranteed fixed income |
| Annual Yield | Approx. ₹1.95 lakh | Higher than standard FDs |
| Risk Level | Low (LIC backed) | Safe & secure |
| Target Audience | Retirees, salaried, investors | Ensures steady cash flow |
Expert Opinions
Financial analysts believe that although the scheme offers excellent monthly returns, the investors should look at the total liquidity requirements and compare them with the Senior Citizen Savings Scheme (SCSS) or Post Office Monthly Income Scheme (MIS). The classic adage of not putting all your eggs in one basket still holds true in long-term wealth planning through diversification.
Conclusion
The LIC FD Scheme 2025 has become a hot financial item with the promise of ₹16,250 monthly income for an investment of ₹2.5 lakh. The investment offers guaranteed returns, safeness, and regular payments so it is very much loved by cautious investors and retirees. Nonetheless, individuals should first consider their financial goals and only then invest.
