Interest in the LIC Fixed Deposit in 2025 has been mostly in investor circles who want to keep their money safe in an instrument offering some bankable returns. An LIC FD is one of the choices available to conservative investors who need some regular income, essentially retirees. The scheme offers attractive interest rates that allow investors to earn as much as Rs 6,500 monthly from a one-lakh rupees investment, given a particular choice of tenure and interest payment option.
Overview of LIC Fixed Deposit Scheme
The LIC Fixed Deposit Scheme allows investors to deposit lump sum amounts for a period chosen by them and earn prescribed interest. The interest payments can be made monthly, quarterly, or in a lump sum after maturity by the seat of an investor. Since LIC is a government-backed institution, it guarantees the complete safety of the amount invested and ensures the payout of interests in time. The plan also offers security and is apt for seniors who want to have a regular income.
Income Calculations on Investment of ₹1 Lakh (Monthly)
In 2025, the highest interest rates in the market are being offered by LIC’s Fixed Deposits. When one makes an investment of ₹1 lakh in an LIC fixed deposit with an interest rate of about 7.8 to 8 percent per annum, the interest per month would be close to ₹6,500, depending upon the period and compounding. This will enable investors to have a constant flow of income with their capital being completely secure.
Benefits of LIC Fixed Deposit
The single biggest benefit of an LIC FD is the assured return which cannot be affected by volatility. Flexible tenures of one to five years are available to investors. Moreover, monthly interest payout options make the investments liquid, thereby rendering them highly marketable among pensioners and those dependent on fixed income sources. An LIC FD being backed by LIC’s good name and impeccable track record is one of the safest pockets of your money for fixed income investment.
Why Choose LIC FD in 2025
Despite market fluctuations affecting various other investment avenues in 2025, LIC FDs continue to stay the test of time for their consistent returns. Thanks to government guarantees, attractive interest rates, and the convenience of monthly payouts, investors get to earn a steady monthly income of ₹6,500 every month on a ₹1 lakh deposit, instilling peace of mind in leasing financially for the future.