LIC Fixed Deposit Plan 2025: Individuals seeking guaranteed monthly returns in 2025 can turn to LIC investment plans which resemble fixed deposits with added security and income assurance. Bank FDs don’t compare; unlike them, their fixed income plans provide lifetime payouts, capital protection benefits and tax-saving advantages that outshone bank FDs – offering lifetime payouts, capital protection measures and tax benefits in addition to consistent income generation – unlike regular annuity or endowment policies which only deliver periodic payouts.
Why LIC’s Fixed Income Plans Are Trending in 2025
LIC is trusted financial partner of millions. Today, its fixed-income-style plans remain more relevant than ever for investors facing inflation or retirement; investors can rely on one-off investments of Rs10,000 in one of these plans for monthly income and minimal risk/predictable returns; these options make sense especially for seniors or anyone wanting an alternative option than market-linked instruments.
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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 |
Insurance Policies With Monthly Payouts Like Fixed Deposits (FDs)
There are various Life and Casualty (LIC) policies specifically tailored for meeting monthly income goals, each requiring one premium payment with immediate or deferred annuities depending on your selection. Here’s a comparison of top schemes offering 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 |
Who Should Consider These Plans?
If you’re someone who values the peace of mind that comes with financial security in the face of risky gains The LIC’s monthly earnings plans will be a great fit. They are suitable for a broad variety of investors.
- Retirees Affordable an income per month post retirement
- Investors who are conservative Stability without market dependence
- Homemakers A passive source of income that does not require having to manage finances in a proactive manner
- Parents Plan for the future the cost of children’s education
- seniors Benefits resembling pensions at a low risk
Key Benefits and How to Maximize Returns
In order to earn Rs10,000 every month it is possible to make an investment of between 18 lakhs, based upon your age and plan the type. Choose annuity options prudently–single life or joint-life, and choose if you would like to receive the full cost of the purchase. Options such as PMVVY as well as Jeevan Shanti even offer tax advantages and the possibility to get the investment in the event of death or demise of the policyholder.
Tips:
- Compare the annuity options (lifetime or fixed term)
- Utilize your retirement savings or lump sum of money to invest
- Ask a licensed LIC advisor to clarify your questions.
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
Do I begin receiving earnings as soon as I invest?
Yes, when you have LIC Saral Pension or Jeevan Akshay VII, you receive instant monthly payments.
Does the income per month earned from LIC plans tax-deductible?
Yes, it is tax deductible under the regular taxes on income.
What happens if I don’t get the initial amount I invested?
Certain plans, such as Jeevan Shanti in Jeevan Shanti, the purchase cost is refunded to the person who is named as the nominee following the death of the policyholder.
