In 2025, Life Insurance Corporation of India set a new FD scheme aimed at providing secure and steady returns to investors. The scheme is essentially meant for individuals who are interested in earning regular monthly incomes accompanying guaranteed returns. Considering their goodwill, the scheme will draw salaried individuals as well as retirees.
Lic FD Scheme 2025 – Salient Features
An LIC FD scheme assures returns at a competitive interest rate. One has to deposit a lump sum amount for some fixed term, and the FD pays out monthly incomes. But unlike traditional FDs where interest is payable at maturity only, this plan pays out monthly income, and, therefore, appeals to the very minority who require cash flow all the time.
Safe Investment Backed by LIC
Being one of India’s most dependable financial institutions, LIC ensures an investor risk-free and stable source of income. Backed by the corporation’s strong financial standing, there is additional security and trust given to the depositors.
Benefits for Retirees and Salaried Investors
For retirees, the scheme essentially serves as a perfect method of earning monthly expenses without seizing their savings. For salaried persons, the scheme provides an alternative income while protecting the investment and keeping it productive.
Flexibility and Accessibility
This scheme offers flexibility with its options of deposit amount and tenure. Investors get to choose the amount according to their financial capacity. They may also decide the payout structure on their own as per their requirements. Accessibility also increases with online services and by way of a large branch network of LIC.
Tax and Financial Planning Benefits
However, the payouts are considered income and are therefore taxable as per income tax regulations, giving monthly assured payouts to make financial planning predictable. With this premiere assurance in hand, investors tend to confidently cover their household expenditure, medical bills, and other such commitments.
Conclusiom
The LIC FD Scheme of 2025 is beyond just a mere savings plan-it offers financial security to those whose priorities include safety and regular income. With guaranteed returns complemented with monthly payouts plus the trustworthiness of LIC, the scheme can be an assured source of income for both retired persons and working professionals.