New LIC FD Claim 2026 : Recently, a bold claim has been circulating online saying that a ₹1 lakh investment can generate ₹6,500 per month under a LIC FD Scheme in 2026. This news has attracted massive attention, especially among senior citizens, retirees, and low-risk investors looking for guaranteed monthly income. But the big question is — how much of this claim is actually true?
In this copyright-free article, we clearly explain the reality of LIC FD schemes, how monthly income from fixed deposits works, and whether earning ₹6,500 per month from ₹1 lakh is practically possible or just a misleading headline.
What Is the LIC FD Scheme 2026
LIC itself does not directly run fixed deposits like banks, but LIC group institutions, such as housing finance arms, offer FD-like deposit schemes with fixed interest and optional monthly payout facilities. These schemes are considered relatively safe and are popular among conservative investors.
In 2026, such FD schemes continue to offer stable interest rates with monthly, quarterly, or yearly income options. The returns are interest-based, not profit-based, which means income depends strictly on the interest rate and invested amount.
Understanding the ₹6,500 Monthly Income Claim
The claim that ₹1 lakh can give ₹6,500 per month sounds attractive but needs careful examination. For such a return, the annual yield would have to be extremely high, far beyond normal FD interest rates.
In reality, fixed deposit interest rates generally range between 6% to 8.5% per year, even in favorable conditions. Monthly payouts are calculated by dividing the annual interest into 12 parts. This makes exaggerated monthly income figures mathematically unrealistic for standard FD products.
How Monthly Income from FD Is Actually Calculated
When you invest in an FD with monthly payout, you receive only the interest portion every month, while the principal remains locked until maturity. For example, at an annual interest rate of around 7.5%, a ₹1 lakh investment earns roughly ₹7,500 in a year, which translates to about ₹625 per month.
This structure makes FDs ideal for steady and predictable income, but not for unusually high monthly returns.
FD Income Reality vs Viral Claim
| Investment Amount | Annual Interest Rate | Expected Monthly Income |
|---|---|---|
| ₹1,00,000 | 6.5% | ~₹540 |
| ₹1,00,000 | 7.5% | ~₹625 |
| ₹1,00,000 | 8.5% | ~₹700 |
| Viral Claim | Not realistic | ₹6,500 |
The table clearly shows that ₹6,500 per month from ₹1 lakh does not align with real FD interest calculations.
Why Such High Claims Spread Online
Such claims often arise due to confusion between FDs and LIC income or pension plans. Some insurance-based pension products may offer structured payouts, but they usually require much higher investments or long lock-in periods.
In many cases, promotional content exaggerates numbers to attract attention, mixing insurance maturity benefits with FD-style monthly income, which leads to misunderstanding among investors.
Who Should Consider LIC FD-Type Schemes
LIC-linked FD schemes are suitable for people who want capital safety and fixed monthly income, such as:
-
Senior citizens
-
Retired employees
-
Risk-averse investors
-
Individuals seeking predictable cash flow
However, they are not designed for high monthly returns from small investments.
Important Things to Check Before Investing
Before choosing any FD or LIC-linked deposit scheme, always verify:
-
Official interest rate
-
Monthly payout calculation
-
Lock-in period
-
Tax implications
-
Credit rating of the institution
Being informed helps avoid disappointment caused by unrealistic expectations.
Is LIC officially offering ₹6,500 per month on ₹1 lakh FD?
No, there is no official confirmation of such a high monthly payout under a standard LIC FD-type scheme.
How much monthly income can ₹1 lakh realistically generate?
At current FD rates, the realistic monthly income ranges between ₹500 to ₹750, depending on interest rate.
Are LIC FD schemes safe?
LIC group deposit schemes are generally considered low-risk, but investors should still check terms and ratings.
What is better for regular income — FD or pension plan?
FDs offer flexibility and safety, while pension plans may offer higher structured income but with longer commitments.
Conclusion: Be Smart, Not Misled
The idea of earning ₹6,500 per month from a ₹1 lakh FD investment is appealing but not realistic under normal fixed deposit rules. LIC-linked FD schemes remain a good option for safe and steady income, but expectations should always be based on real interest calculations, not viral claims.
