LIC FD Scheme: Everyone wants their hard-earned money to be both safe and rewarding. If you are also looking to invest in a trustworthy option, then LIC’s new Fixed Deposit (FD) schemes can be a great choice for you. LIC has recently launched two special FD schemes that offer customers attractive interest rates and impressive returns.
LIC has always earned the trust of the people of the country. That’s why whenever LIC introduces a new scheme, people invest without hesitation. This time too, LIC has started two new FD schemes for its investors that offer both good interest and safe returns.
What Are LIC’s Two New FD Schemes?
The two Fixed Deposit schemes launched by LIC are the Sanchay Public Deposit Scheme and the Green Deposit Scheme. In both these schemes, investors can invest money as per their needs and time period. Along with regular citizens, companies and institutions can also invest in these schemes.
Better Returns in Sanchay Public Deposit Scheme
In this scheme, investors can invest from ₹20,000 to ₹3 crore. There are 6 types of maturity slabs, and each slab has a different interest rate. The special feature of this scheme is that senior citizens will get an additional 0.25% interest rate. Apart from this, investors can also avail a loan of up to 75% of the invested amount, allowing easy access to funds in times of need.
Interest Rates and Return Details
If a person invests for 15 months, they will get 6.75% interest. The same rate applies for 18 months, while for 2 years the interest rate is 6.80% and for 3 years it is 6.85%. Those investing for 5 years will receive 6.90% interest. Senior citizens will get up to 7.15% interest on all slabs.
For example, if a person invests ₹20,000 for 5 years, they will receive approximately ₹27,920 at maturity, which includes ₹7,920 as interest.
Impressive Returns in Green Deposit Scheme
In the Green Deposit Scheme, LIC offers investment options focused on environmental sustainability. Investors in this scheme also receive attractive interest rates. In June 2025, interest rates were revised, and now investors can earn returns ranging from 6.60% to 6.80%. For senior citizens, the rates are 0.25% higher.