LIC Launches New FD Scheme: secure investment with attractive returns
November 17, 2025
The Life Insurance Corporation of India (LIC) has introduced a brand fresh FD plan that is created to provide the security and stability of a fixed deposit in conjunction with the advantages that life insurance offers. The plan is specifically designed to investors who are conservative and prefer security while looking for long-term gains. This article will explain all you must learn about LIC Launches New FD Scheme starting with its features, all the way to the benefits and key aspects to take into consideration prior to making a decision to invest.
What is the LIC Launches New FD Scheme?
LIC has announced a fresh Fidelity scheme which allows people to put money into a lump sum and get guaranteed returns as life insurance coverage. The scheme is different from traditional bank FDs in that it provides additional benefits than simply interestit also covers in the event of an unlucky occasion and could also provide bonuses.
Key Features of the LIC Launches New FD Scheme
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One-time Premium It is one-time lump sum payments and the plan matures over a period of time generally for up to 25 years.
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Life Insurance Cover This FD plan is more than an instrument for saving money, but it also offers life insurance protection. If the investor dies within the time period of the policy, the nominee will receive the assured amount plus accumulation of bonuses.
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guaranteed returns The scheme provides the guarantee of a set amount as well as this, it has the potential for terminal or annual bonuses, which makes it an attractive option in comparison to fixed deposit options.
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Long-Term Investment The scheme is designed to meet long-term objectives like retirement planning, or to secure funds for children’s education.
For instance, if you put in Rs93,000 into the plan, this will possibly increase to Rs5.45 lakh in for the following 25 years (this is an example calculation).
| Feature | LIC Launches New FD Scheme |
|---|---|
| Type of Investment | Single Premium, FD-style |
| Term Length | Between 25 and 25 years old |
| Life Cover | Absolutely (Death benefit for the nominee) |
| Bonus Potential | Yes (Annual/Terminal Bonuses) |
| Minimum Sum Assured | Rs50,000 |
| Liquidity | Lower (Long-term lock-in) |
Why Consider LIC’s New FD Scheme?
In contrast to a traditional fixed deposit which only earns interest however, the LIC FDIC scheme provides the possibility of life insurance, which may be a coveted option for those who are cautious about risk. The combination of the guarantee of returns and the bonus possibility is an suitable option for long-term investors.
Advantages of LIC’s FD Scheme
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Assured Life Insurance It gives you the advantages of life insurance with the FD investment.
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Refunds Guaranteed The product is backed by a set amount of money guaranteed, as well as the chance of earning bonuses.
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Security of Investment: LIC is a well-established and backed by the government, making it a risk-free investment choice.
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Tax benefits As an insurance-related product profits from the LIC program for FD may be eligible for certain tax benefits in accordance with the prevailing tax laws.
Important Considerations Before You Invest
The LIC’s New FD Scheme seems to be an ideal investment for prudent investors, it’s important to be aware of the following aspects prior to committing:
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Liquidity The scheme is intended for long-term investors. Contrary to the traditional bank FDs however, its liquidity one could be limited. withdrawals that are made too soon could result in penalties.
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Returns aren’t fixed Although the amount guaranteed is guaranteed, returns from this product could vary based on bonuses announced by LIC. It is important to know the nature of the bonuses and if it’s in line with your financial objectives.
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Surrender Costs If you choose to pull the investment prior to the expiration date There could be charges for surrender.
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Taxability The scheme is tax efficient in many instances, it is important to determine if the earnings generated by this scheme are tax-exempt at the point of maturity.
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Not the same with Bank FD Although it has some resemblances to traditional FDs however, this plan comes with life insurance, which could make the return less predictable.
Who Should Invest in LIC’s New FD Scheme?
The FD scheme is suitable for investors who
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You can have a lump sum to invest, but do not require immediate access to it.
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Looking for a safe investment with the additional benefits of life insurance.
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Are you planning longer-term goals like retirement, children’s education or an accumulation of wealth.
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Choose guaranteed returns in conjunction with the safety of bonus.
How to Apply for LIC’s FD Scheme
Making an investment in the LIC’s New FD Scheme is easy. Visit your local LIC branch or the official website for more information and apply online. Be sure to go through the policy booklet carefully and fully understand the conditions and terms before signing an agreement.
Conclusion
The LIC Launches New FD Scheme offers an unique mix with security and guaranteed yields and life insurance protection. This makes it a great choice for investors seeking an investment that is long-term and has additional security. Like any investment, it’s crucial to fully understand the product, particularly in relation to bonuses and restrictions on liquidity. If you’re looking for a reliable and easy investment choice it’s worth looking into as part of an overall financial plan.