LIC FD Scheme 2025 : has become one of the most trusted fixed deposit options for investors who want guaranteed returns with safe and stable growth. Offered by LIC Housing Finance Ltd., this FD provides interest rates up to 7.75% for general citizens and 8.50% for senior citizens. A deposit of ₹1,00,000 can earn up to ₹42,500 interest depending on tenure and age. Here are complete details, maturity calculations, bank comparisons
LIC FD Scheme: LIC is India’s largest insurance company. LIC offers a variety of insurance and term plans. Like banks, LIC also offers fixed deposit (FD) schemes. LIC FD schemes are currently offering very good interest rates. Let’s find out how many years it takes to earn a fixed interest of ₹42,500 on a deposit of ₹1,00,000. Full details are provided below.
LIC FD Scheme: A great FD plan from LIC that offers excellent interest and returns
LIC offers its customers a great opportunity to earn good returns through its fixed deposit scheme. Under the LIC Fixed Deposit Scheme, customers can earn 7.75% annual interest. If someone invests ₹1,00,000 for 5 years, at an interest rate of 7.75%, they will receive a total of ₹1,38,750 at maturity. This means that the investor receives a flat return of ₹38,750 on the principal amount.
For senior citizens, LIC offers a higher interest rate of 8.50%. At this rate, a senior citizen investing the same amount (₹1,00,000) for 5 years would receive ₹1,42,500 at maturity. If the same amount is invested for 3 years at 7.75% interest, the total return would be ₹1,23,250. The LIC FD scheme can be availed for tenures ranging from 1 year to 5 years.
LIC FD Scheme: A Safe and High-Return FD Option
LIC, India’s biggest insurance company, not only provides insurance but also offers a secure fixed deposit program through LIC Housing Finance. The scheme is popular among low-risk investors who prefer guaranteed returns.
Under this scheme, investors can earn 7.25% to 7.75% interest, while senior citizens enjoy 7.50% to 8.50% annual returns.
How Much Will You Earn on ₹1 Lakh?
At 7.75% interest, a ₹1,00,000 deposit for 5 years grows to ₹1,38,750.
For Senior Citizens
At 8.50%, the same ₹1,00,000 becomes ₹1,42,500 in 5 years.
This means a senior citizen earns ₹42,500 interest, which is higher than regular investors.
LIC FD Maturity Table (₹1,00,000 Investment)
| Investor Type | Tenure | Interest Rate | Maturity Amount | Total Interest |
|---|---|---|---|---|
| General Public | 5 Years | 7.75% | ₹1,38,750 | ₹38,750 |
| Senior Citizen | 5 Years | 8.50% | ₹1,42,500 | ₹42,500 |
| General Public | 3 Years | 7.75% | ₹1,23,250 | ₹23,250 |
| General Public | 3 Years | 7.25% | ₹1,21,750 | ₹21,750 |
LIC FD Scheme Interest Rates (2025)
| Category | Interest Rate Range |
|---|---|
| General Customers | 7.25% – 7.75% |
| Senior Citizens | 7.50% – 8.50% |
| Maximum Investment Limit | Up to ₹20 Crore |
Example:
If you deposit ₹50,000 at 7.25% for 3 years, you get ₹60,875 at maturity.
If you deposit ₹50,000 at 7.75% for 5 years, you get ₹69,375.
Bank FD Interest Rate Comparison
| Bank | General Public | Senior Citizens |
|---|---|---|
| Capital Small Finance Bank | 3.50% – 7.15% | 4.00% – 7.65% |
| Suryoday Small Finance Bank | 7% – 7.70% | Higher than general |
| Aryavart Bank | 5.05% – 5.50% | Slightly higher for seniors |
Many banks offer good rates, but LIC FD stands out due to its safety and stable returns.
Interest Rates in LIC FD Scheme
The interest rates in the LIC Housing Finance Fixed Deposit Scheme (LIC FD Scheme) are as follows:
- 7.25% to 7.75% for general customers
- 7.50% to 8.50% for senior citizens
.What are the interest rates at banks?
Capital Small Finance Bank offers:
- 3.50% to 7.15% interest for general public
- 4.00% to 7.65% interest for senior citizens (for tenures ranging from 7 days to 10 years)
- Suryoday Small Finance Bank offers 7% to 7.7% interest.
- Aryavart Bank offers 5.05% to 5.5% interest.
Thus, interest rates vary from bank to bank.
1. Is LIC FD safe?
Yes. LIC Housing Finance FD is considered very safe because LIC is a government-backed institution with a strong credit rating.
2. What is the minimum and maximum investment?
Minimum amount is usually ₹20,000, and maximum investment can go up to ₹20 crore.
3. Can senior citizens get higher interest?
Yes, senior citizens get 0.50% to 0.75% extra, making it up to 8.50% annually.
4. What is the tenure available in LIC FD?
The FD can be booked for 1 year to 5 years, depending on the customer’s choice.
5. Is premature withdrawal allowed?
Yes, premature withdrawal is allowed after a minimum lock-in period, but interest may be slightly reduced as per rules.