Life Insurance Corporation of India (LIC) continues to be one of the most trusted financial institutions in the country. Known for its safe insurance and savings products, LIC has now introduced an attractive Fixed Deposit (FD) style investment plan for 2025. The plan aims to provide guaranteed monthly income , making it suitable for retirees, housewives and low-risk investors.
The biggest highlight of this project is:
👉 Invest ₹1,00,000 and earn up to ₹6,500 per month
👉 Guaranteed fixed income without market risk
As investors prefer safe and stable investment options, LIC FD Plan 2025 has quickly become one of the most popular financial products of the year.
Why is LIC FD Plan 2025 becoming so popular?
In recent years, many people have shifted away from risky investments like stock markets and mutual funds to safer options. After retirement, most individuals want a predictable monthly income that will help maintain financial stability.
LIC FD Plan 2025 is attracting attention for the following reasons:
- Returns are sure and consistent.
- Many banks offer higher interest rates compared to FDs
- Backed by trusted brand LIC
- Special benefits and higher interest rates for senior citizens
- Suitable for anyone seeking risk-free monthly income
Whether you are planning for retirement or looking for a safe investment, this plan offers one of the best fixed-income solutions.
Key Features of LIC FD Plan 2025
1. Minimum investment – ₹1 lakh
Investors need to deposit a minimum of ₹1,00,000 . There is no maximum limit , making it suitable for both small and large investors.
2. Monthly Income Option (Non-Cumulative FD)
Under this option, interest is paid every month, providing a steady source of income.
Suitable for:
- Retirees and senior citizens
- Pensioners
- Housewives
- Individuals looking for passive monthly income
3. Cumulative FD option
Here, interest is compounded and paid only at maturity.
Suitable for:
- Young savers
- Salaried individuals
- People planning long-term financial goals
4. Attractive interest rates
LIC offers the highest FD interest rates
in the government sector . Senior citizens get an additional 0.25% – 0.50% interest , which significantly increases their income.
5. Guaranteed monthly income
Market fluctuations do not affect returns. Investors receive fixed, assured monthly payments without any risk.
How to earn ₹6,500 per month by investing ₹1 lakh?
LIC FD Plan 2025 provides higher monthly returns based on specific interest slabs and tenures.
Example calculation
- Investment: ₹1,00,000
- Monthly interest: ₹6,500
- Annual income: ₹78,000
- Estimated annual interest rate: ~7.8%
This rate is higher than regular bank FDs , which usually offer 6–7% interest.
Who should invest in LIC FD Plan 2025?
This plan is suitable for:
- Senior citizens seeking pension-like income
- Retirees who want a steady monthly cash flow
- Housewives looking for safe savings
- Salaried individuals who choose low-risk options
- Conservative investors who avoid market fluctuations
If your goal is financial security and a stable monthly income , this plan is the best option.
How to apply for LIC FD Plan 2025?
LIC offers both online and offline application options.
Steps to apply online
- Visit the official website: https://licindia.in/
- Open the Investments/Deposit Schemes section.
- Choose FD Plan 2025 – Monthly Income or Cumulative Option
- Enter your investment amount and preferred tenure.
- Upload KYC documents: Aadhaar, PAN, Address proof
- Make payment online.
- Download FD Certificate
For offline applications, visit the nearest LIC branch .
LIC FD Plan 2025
LIC FD Plan 2025 is a highly reliable investment option that offers guaranteed monthly income and is perfect for individuals seeking stability, security, and predictable income. With the potential to earn up to ₹6,500 per month on an investment of ₹1 lakh , this plan is one of the most beneficial low-risk financial products for 2025.
If you want long-term financial security with the trust backing of LIC, this FD plan is definitely worth considering.
