If you’re in search of an affordable and safe investment option for 2025, then look at the LIC FD Scheme for 2025. The scheme is provided through the Life Insurance Corporation of India (LIC), this fixed-deposit scheme is among the most trusted methods to increase your savings and have peace of peace of. With fixed rates of interest as well as guaranteed returns and the assurance of LIC the scheme can provide the foundation you need to meet your financial goals over the long term.
The article we’ll go over the specifics about the LIC FD Scheme 2025 and its benefits, advantages, features and eligibility, as well as the way it differs from other investment alternatives.
What is the LIC FD Scheme 2025?
The LIC Scheme 2025 FD Scheme 2025 is a fixed-deposit scheme in which you make an amount in one lump sum for an agreed-upon period of time. As a result, you will receive guaranteed returns that are based by the rates established at the time of investment by LIC when you make the initial deposit of your investment. The plan is suitable for investors who want an investment with low risk and reliable results.
The LIC F Scheme 2025 provides an interest rate that is fixed and guarantees that your return is not subject to market fluctuations, making it a reliable investment option that can last for a long time. It is a preferred option for investors who value the safety of their investments over high returns.
Key Features of the LIC FD Scheme 2025
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Fixed rate of interest The interest rate can be set at time of deposit and will ensure steady returns for the duration of the investment.
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Flexible Tenure: The LIC FDS Scheme 2025 provides a range of tenures, from 1 year up to 5 years. This lets you select a time period that best fits your financial needs.
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Variations on Interest Payout Investors may choose between quarterly, monthly half-yearly, annual or monthly interest payments, based upon their liquidity requirements.
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Premature withdrawal Although premature withdrawal is permitted, it could result in penalties in terms of interest rates being reduced.
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Taxability The interest earned through the LIC FDIC scheme 2025 is tax-exempt in accordance with the investor’s tax bracket. The tax deduction system known as TDS (Tax deducted at source) is available when the interest earns more than $40,000 per annum (Rs50,000 for seniors).
Benefits of the LIC FD Scheme 2025
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Garantized Reward This is the LIC FDS Scheme 2025 provides guaranteed returns that aren’t dependent on market fluctuation, guaranteeing that you receive a predetermined amount when the time comes to the time of maturity.
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Security and security: LIC is a government-backed company, offering an extremely high degree assurance for the investment you make. The LIC Scheme 2025 is a FD Scheme 2025 is a great option for people who are cautious and wish to see their money expand in a safe manner.
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Tax benefits If you make a 5 year investment in an FD that is governed by section 80C of the Income Tax Act, you can claim tax deductions that range from to Rs1.5 lakh per year. This makes this a great option to save tax.
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loan facility: LIC offers the possibility of taking credit to your LIC FDS scheme 2025 deposit, which will provide the liquidity you require urgently, but without breaking your FD.
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No Risk to Market: In contrast to mutual funds or equity, LIC FD Scheme 2025 isn’t a subject of market risk, which makes it a secure investment during the economic downturn.
Table: Interest Rates and Tenure Options for LIC FD Scheme 2025
| Tenure | Interest Rate (Annual) |
|---|---|
| 1 Year | 5.50% |
| 2 Years | 5.75% |
| 3 Years | 6.00% |
| 4 Years | 6.25% |
| 5 Years | 6.50% |
| Senior Citizens | 0.50 percent more than regular rates |
Note These prices are uninformative and are subject to alter based on current economic situation and LIC’s policies.
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Eligibility for LIC FD Scheme 2025
The LIC Funding Plan 2025 is open to:
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Indian Resident The scheme is available for all Indian citizens.
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Age Limit Anyone who is at minimum 18 years old are eligible to apply. Minors are also able to invest with the guidance of a guardian.
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Minimum Deposit The minimum amount for deposit is usually Rs1,000, however this can differ based on the type of FD chosen.
How to Apply for LIC FD Scheme 2025?
The investment process for the LIC F Scheme 2025 is easy:
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Offline application Visit your local LIC branch, fill in the application form and bring the required documents, which include identification proof as well as proof of address as well as a passport-sized photograph.
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Online application: LIC also allows applicants to apply for their FD scheme online through the official site. Choose the scheme, complete the necessary information and pay the fee.
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Get an FD Certificate When processing of the FD processing is completed, you’ll be given an FD certificate that contains details such as the date of maturity, interest rate, and the amount assured.
Who Should Invest in the LIC FD Scheme 2025?
The LIC Scheme 2025 is best suited for: Scheme 2025 is ideal to:
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Conservatism in Investors People who favor secure, low-risk investments that offer reliable returns.
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Long-Term Investors Individuals who wish to save for their long-term goals like retirement, child’s education or buying a home.
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Tax-savvy Investors These are investors who would like to invest under section 80C under the Income Tax Act and claim tax deductions.
Conclusion: Is the LIC FD Scheme 2025 Right for You?
The LIC FD Scheme 2025 is a fantastic choice for those who are looking for a low-risk high-security investment. With guaranteed returns, tax advantages, and the security of LIC the scheme is ideal for people seeking a simple method of growing their wealth over time.
Before investing be sure to think about your goals in terms of finances as well as tax implications and the need for liquidity. If you’re seeking a reliable safe investment that is secure and offers guarantees of returns The LIC Plan for FD 2025 is a good option.