LIC FD Scheme has created strong buzz among investors after reports of a new fixed deposit–style savings plan offering regular monthly income. According to the latest updates, LIC has introduced a scheme where an investment of ₹2 lakh can generate a monthly payout of around ₹6,736, making it highly attractive for senior citizens, retirees, and risk-averse investors. With LIC’s long-standing reputation for trust and financial stability, this scheme is being seen as a reliable income option in 2026.
Why LIC’s New FD Scheme Is Gaining Attention
In a time when market volatility and low bank FD interest rates worry conservative investors, LIC’s new FD-style scheme promises stability and predictable returns. LIC has always been associated with long-term security, and this new offering focuses on assured income, which is a key requirement for people depending on monthly cash flow.
The scheme is especially appealing to individuals who want steady income without exposure to market risks.
Monthly Income of ₹6,736 on ₹2 Lakh Investment
The biggest highlight of the LIC FD Scheme is the fixed monthly payout. By investing ₹2 lakh, investors can receive approximately ₹6,736 per month, depending on tenure and payout option. This regular income can help manage household expenses, medical bills, or daily needs, especially for retirees.
The predictable nature of returns makes this scheme suitable for people who prefer income certainty over high but uncertain returns.
Who Should Consider This LIC FD Scheme
This scheme is designed for investors who prioritize safety and regular income. Senior citizens, pensioners, and individuals nearing retirement can benefit the most. It is also suitable for homemakers and low-risk investors looking for an alternative to traditional bank fixed deposits.
Since LIC operates under strict regulatory oversight, many investors feel confident parking their savings in such schemes.
Investment Tenure and Payout Flexibility
The LIC FD Scheme is expected to offer flexible tenure options, allowing investors to choose the period that best suits their financial goals. Monthly income payout is the most popular option, but some plans may also allow quarterly or annual payouts.
This flexibility ensures that investors can align the scheme with their income requirements.
Safety, Trust, and LIC’s Strong Track Record
LIC is India’s largest life insurance company and enjoys unmatched trust among policyholders. Government backing and decades of consistent performance make LIC schemes one of the safest investment options in the country.
This trust factor plays a major role in attracting investors who are cautious about private financial institutions.
How to Invest in LIC FD Scheme
Investing in the LIC FD Scheme is expected to be simple. Interested investors can visit the nearest LIC branch, contact an authorized LIC agent, or apply through official LIC channels. Proper documentation and KYC verification are required before investment.
Once the investment is made, monthly payouts are credited directly to the investor’s bank account.
LIC FD Scheme Overview Table
| Feature | Details |
|---|---|
| Scheme Type | FD-style monthly income scheme |
| Investment Amount | ₹2,00,000 |
| Monthly Income | Approx. ₹6,736 |
| Payout Mode | Monthly |
| Risk Level | Low |
| Ideal For | Senior citizens, retirees |
| Investment Mode | LIC branch / agent |
| Objective | Regular guaranteed income |
Why This Scheme Is Attractive in 2026
With rising inflation and increasing living expenses, regular income has become more important than ever. The LIC FD Scheme addresses this need by offering stable monthly returns without exposing investors to market risks. Compared to traditional bank FDs, this scheme appears more rewarding for long-term income seekers.
Conclusion: A Reliable Monthly Income Option
The LIC FD Scheme stands out as a dependable option for investors looking for secure and consistent monthly income. With an investment of ₹2 lakh generating around ₹6,736 per month, the scheme offers financial comfort, safety, and peace of mind. Backed by LIC’s credibility, this new FD-style plan could become a popular choice among conservative investors in 2026.
Q1. Is the LIC FD Scheme safe for investment?
Yes, LIC schemes are considered very safe due to government backing and LIC’s strong financial track record.
Q2. Can senior citizens invest in this LIC FD Scheme?
Yes, the scheme is especially suitable for senior citizens and retirees seeking regular income.
Q3. Is the monthly income of ₹6,736 guaranteed?
The payout depends on scheme terms, tenure, and interest structure as specified by LIC at the time of investment.
Q4. How can I apply for the LIC FD Scheme?
You can apply by visiting an LIC branch, contacting an authorized LIC agent, or using official LIC platforms.
