LIC FD Scheme 2025-In today’s world where financial stability is crucial the LIC offers a LIC FD Scheme 2025 that combines safety with attractive returns.

Whether you are planning for retirement Or saving for a child’s education or looking to grow your wealth steadily then LIC FD scheme presents a reliable option.

LIC FD Scheme 2025: Key Features

Important key features of LIC FD Scheme 2025 discussed below.

1. Rate of Interest h(ROI):- LIC offers competitive interest rates with senior citizens receiving an additional 0.25% annually on the standard rates. Special schemes may offer rates exceeding 7% annually.

2. Minimum Investment Amount:- LIC minimum investment required is of Rs. 1.00 lacs with no fixed upper limit and also allowing flexibility based on individual financial goals.

3. Time Period:- LIC offers range of tenures starting from 1 year to 5 years or more depending on your investment horizon.

4. Interest Payment options:- LIC offers flexibility in internet payment it’s depends on customer he can opt for monthly, quarterly, half-yearly, or annual interest payouts, providing regular income streams.

5. Income Tax Benefits:-If anyone make investments in LIC 5-year FD scheme qualify for tax deductions under Section 80C of the Income Tax Act. Additionally, if your annual interest income does not exceed ₹40,000, you can submit Form 15G/15H to avoid TDS deductions.

6. Loan Facility:- If you open FD in LIC then after 6 months of investment you can avail a loan against your FD because many banks offered FD based OD for short term to fulfill the short-term obligations.

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LIC FD Scheme 2025: Example of Returns.

LIC FD returns example if Mr. Mohd Saddam invest Rs.1.00 lakh at an rate of interest of @7.8 precent annually for 10 years then Mr. Saddam can expect approx. Rs. 0.065 lakh per month as interest income and annually approx. Rs.7.80 lakh.

Similarly, If we talking about an investment of Rs. 1.00 lakh the the monthly return would be approx. Rs. 530 to Rs. 650, depending on the prevailing interest rate.

Why Choose LIC FD Scheme 2025 ?

To choosing the LIC fixed deposit scheme there are various reasons.

1. Safe and secure:- As we know that LIC is a government owned entity hence there is no risk of we make the investment and LIC provides the assurance of safety for your invested capital.

2. Regular Income:- LIC offers the option for monthly interest payouts which makes it an attractive choice for individuals seeking regular income.

3. Tax benefit:- The tax benefits under Section 80C enhance the overall returns on your investment.

4. Loan Against FD:- The facility to avail a loan against your FD adds a layer of financial flexibility.

How to Apply for LIC FD Scheme 2025 |

There is two methods are available to apply for the scheme which are mentioned below.

The first one is offline method in which you need to visit your nearest LIC branch and fill out the FD application form and submit the same with the necessary KYC documents along with the investment amount.

And second method is online method in which you need to log into LIC official website and navigate to the FD section and follow the important instructions to complete the application process.

Author’s Remarks:-

In my opinion Investing in the LIC Fixed Deposit Scheme 2025 is a smart choice for anyone seeking financial security with steady returns.

Because LIC is a government owned entity which offers safety, attractive interest rates, and flexible tenure options.

Moreover, benefits of monthly or annual interest payouts, tax savings under Section 80C, and the option to avail loans against your FD, LIC FDs provide both peace of mind and financial growth.

Whether you are a retiree looking for regular income, a parent saving for your child’s future, or an investor seeking a safe avenue, LIC FD is a reliable and trusted option.

Thanks for visiting our website but if you want to invest fund then request you to do it on your responsibility because we shall not be responsible for any monetary or other loss.