LIC Fixed Deposit Plan 2025: For individuals seeking guaranteed monthly returns in 2025, LIC offers investment plans that resemble fixed deposits but with added security and assured income. Unlike bank FDs, LIC’s fixed income plans cater especially to retirees, homemakers, and conservative investors, offering a combination of lifetime payouts, capital protection, and tax-saving benefits. These plans are not traditional FDs but work as annuity or endowment policies that deliver consistent income.
Why LIC’s Fixed Income Plans Are Trending in 2025
LIC has earned its place as a trusted financial partner for millions. In 2025, its fixed-income-style schemes are more relevant than ever. Investors facing inflation or retirement can rely on these plans to receive ₹10,000 monthly income by making a one-time investment. With minimal risk and predictable returns, these options are especially ideal for senior citizens and those who avoid market-linked instruments.
LIC Fixed Deposit Plan 2025 Highlights
| Aspect | Details |
|---|---|
| Monthly Income Goal | ₹10,000/month |
| Minimum Investment Needed | ₹15–18 Lakhs |
| Ideal For | Retirees, Homemakers, Senior Citizens |
| Plan Type | Annuity, Endowment, Pension |
| Risk Level | Very Low |
LIC Plans That Offer Monthly Payouts Like FDs
Several LIC policies are tailored for monthly income goals. These plans require a single premium investment and provide immediate or deferred annuities depending on your selection. Here’s a comparison of the top LIC schemes that offer fixed monthly returns:
| Plan Name | Investment Type | Monthly Income | Minimum Investment | Age Limit | Return Style |
|---|---|---|---|---|---|
| LIC New Jeevan Shanti | Deferred Annuity | ₹10,000* | ₹16–17 Lakhs | 30–85 Years | Guaranteed |
| LIC Saral Pension | Immediate Annuity | ₹10,000* | ₹17–18 Lakhs | 40–80 Years | Guaranteed |
| LIC PM Vaya Vandana Yojana | Pension Scheme | ₹10,000* | ₹15.6 Lakhs | 60+ Years | Guaranteed |
| LIC Jeevan Akshay VII | Immediate Annuity | ₹10,000* | ₹16 Lakhs | 30–85 Years | Guaranteed |
| LIC Monthly Income Plan | Endowment + Income | ₹10,000* | ₹2 Lakhs+ | 18–55 Years | Fixed + Bonus |
*Income may vary based on age, plan, and investment.
Who Should Consider These Plans?
If you’re someone who prefers financial peace of mind over high-risk gains, LIC’s monthly income plans are ideal. These schemes suit a wide range of investors:
- Retirees: Secure monthly income post-retirement
- Conservative investors: Stability with no market dependency
- Homemakers: Passive income without managing finances actively
- Parents: Future planning for children’s expenses
- Senior citizens: Pension-like benefits with low risk
Key Benefits and How to Maximize Returns
To earn ₹10,000 per month, you may need to invest between ₹15 to ₹18 lakhs depending on your age and plan type. Choose the annuity mode wisely—single life or joint life—and decide if you want the return of the purchase price. Plans like PMVVY and Jeevan Shanti even offer tax benefits and the option to receive the invested amount back after the policyholder’s demise.
Tips:
- Compare annuity options (lifetime vs fixed term)
- Use your retirement corpus or lump sum to invest
- Consult a certified LIC advisor for clarity
LIC vs Traditional Bank FDs: What’s Better?
| Factor | LIC Income Plans | Bank Fixed Deposits |
|---|---|---|
| Returns | Higher, Fixed | Lower, Fixed |
| Investment Risk | Very Low | Very Low |
| Liquidity | Limited | Moderate |
| Monthly Payouts | Available | Limited options |
| Return of Capital | In select options | At maturity |
| Tax Savings | Yes, under Sec 80C | Yes, under Sec 80C |
FAQs
Yes, with LIC Saral Pension or Jeevan Akshay VII, you get immediate monthly payouts.
Yes, the income is taxable under regular income tax slabs.
In some plans, like Jeevan Shanti, the purchase price is returned to the nominee after the policyholder’s demise.