Breaking news! LIC has launched a new Fixed Deposit (FD) scheme in 2026 that guarantees steady monthly income. If you invest ₹3 lakh, you will receive ₹6,566 every month directly into your bank account. This scheme is perfect for anyone looking for safe and reliable returns without risking their money in volatile markets. LIC, known for trust and security, ensures your money grows steadily while providing regular cash flow. This plan is ideal for retirees, young professionals, or anyone who wants a guaranteed monthly income for financial stability.
1. Overview of LIC FD Scheme
LIC’s 2026 FD scheme is designed to give investors a fixed monthly income. By depositing ₹3 lakh, you can earn ₹6,566 every month. This scheme is backed by LIC, so your investment is completely safe. Unlike market-linked plans, returns here are fixed and secure.
2. Eligibility Criteria
- Indian residents only.
- Suitable for all age groups.
- Minimum investment: ₹1 lakh; ₹3 lakh for maximum monthly payout.
- Nomination facility available for family members.
3. Interest and Returns
- Guaranteed monthly income of ₹6,566 on ₹3 lakh.
- Returns are fixed and not affected by market fluctuations.
- Interest payout is monthly, making it easy to plan finances.
4. Investment Tenure
- Options include 5 years, 7 years, or 10 years.
- Longer tenure may slightly increase payouts.
- Premature withdrawal allowed with reduced interest.
5. Benefits of LIC FD
- Safe investment with LIC’s credibility.
- Steady monthly income ideal for retirees or salary supplementation.
- Tax benefits under certain conditions (consult a tax advisor).
- Easy to open at LIC branches or online.
6. How to Apply
- Visit LIC branch or use LIC online portal.
- Fill the FD application form with correct personal and bank details.
- Submit KYC documents: Aadhaar, PAN card.
- Deposit the required amount.
- Receive confirmation and monthly payout schedule.
7. Who Should Invest
- Retirees seeking monthly income.
- Working professionals wanting safe side-income.
- Parents planning long-term secure investment for children.
8. Precautions
- Check premature withdrawal rules before investing.
- Ensure nominee details are accurate.
- Compare with other FD schemes for maximum benefit.
Step By Step Process
- Visit LIC branch or log in to LIC online portal.
- Select the 2026 FD scheme and check minimum investment.
- Fill out the FD application form with personal and bank details.
- Submit KYC documents like Aadhaar and PAN card.
- Deposit ₹3 lakh for monthly income of ₹6,566.
- Get confirmation and FD certificate.
- Monthly payouts will start according to your selected tenure.
Conclusion
LIC FD scheme 2026 is perfect for anyone looking for a safe, fixed monthly income. With ₹3 lakh investment, earn ₹6,566 every month. It ensures financial stability, helps plan expenses, and is fully secure under LIC. Start your investment today and enjoy guaranteed returns.