Life Insurance Corporation of India (LIC), one of the most trusted financial institutions in India, has introduced its latest investment plan – the
LIC New FD Scheme 2025. This fixed deposit (FD) plan is designed to offer safe investment, attractive returns, and complete capital protection.
It’s an excellent opportunity for investors looking for long-term stability with guaranteed income.
About the LIC New FD Scheme
Secure Savings with Assured Growth
The LIC New FD Scheme combines the safety of a traditional bank FD with the reliability of LIC’s financial management.
The scheme allows both short-term and long-term deposits, offering investors the flexibility to choose their preferred tenure and interest payout options.
- Minimum investment starts from ₹10,000
- Tenure options: 1 year to 10 years
- Fixed interest payout or cumulative growth options available
- 100% capital protection guaranteed by LIC
Interest Rates and Returns
Attractive Interest for Every Tenure
The interest rates under the LIC FD Scheme are higher than most traditional savings accounts and some bank FDs.
Senior citizens are entitled to an additional 0.50% interest rate.
| Tenure | Interest Rate (General) | Interest Rate (Senior Citizens) |
|---|---|---|
| 1 – 3 Years | 7.0% | 7.5% |
| 3 – 5 Years | 7.5% | 8.0% |
| 5 – 10 Years | 8.0% | 8.5% |
Key Benefits of LIC’s New FD Scheme
Here’s why this FD scheme is one of the most rewarding and reliable investment options in 2025:
- Guaranteed and steady returns irrespective of market conditions
- Flexible investment period from 1 year to 10 years
- Loan facility available against FD
- Nomination and joint account features available
- Senior citizens receive additional benefits and higher interest
- No hidden charges or market-linked risks
How to Invest in LIC FD Scheme
Simple and Hassle-Free Process
Investors can easily apply for the LIC New FD Scheme through both online and offline methods.
- Visit the nearest LIC branch or official LIC website
- Fill out the FD application form with required KYC documents
- Choose the tenure and deposit amount
- Pay via cheque, NEFT, or online transfer
- Receive your FD receipt and confirmation instantly
Conclusion
The LIC New FD Scheme 2025 is an ideal choice for individuals seeking a safe, stable, and guaranteed investment option.
With competitive interest rates, senior citizen benefits, and complete capital security, this FD plan provides peace of mind and consistent growth.
If you’re looking for a reliable way to grow your savings without risk, LIC’s new FD scheme is the perfect investment solution.