LIC FD Scheme 2026 has become a hot topic among Indian investors who are looking for safe and stable returns in the coming year. With bank FD interest rates staying limited, many people are now shifting their focus to LIC Housing Finance Fixed Deposit schemes. These FD plans are known for trust, strong credit rating, and steady income options. In 2026, LIC has introduced two special FD schemes that offer attractive interest rates, making them suitable for middle class families, retirees, and long term investors.
What Is LIC FD Scheme 2026 and Why It Matters
LIC FD Scheme 2026 is offered by LIC Housing Finance under its Public Deposit or Sanchay Deposit plan. It allows investors to park their money for one year to five years with assured returns. Since LIC Housing Finance carries a AAA credit rating, it is considered one of the safest corporate FD options in India. This scheme is especially useful for those who want predictable income without taking market risk.
Cumulative FD Scheme That Builds Wealth Over Time
The Cumulative Fixed Deposit Scheme is designed for investors who want a lump sum amount at maturity. Under this plan, interest is compounded yearly and paid at the end of the tenure. Investors can choose tenure options ranging from one year to five years. The interest rate in 2026 goes up to around 6.90 percent per annum. With a minimum investment of ₹20,000, this scheme is ideal for long term goals like children education or future security.
Non Cumulative FD Scheme for Monthly Income Comfort
For people who need regular income, LIC Non Cumulative FD Scheme works well. This plan offers monthly or yearly interest payout, making it popular among senior citizens and homemakers. With interest rates ranging between 6.50 percent and 6.90 percent, investors can enjoy steady cash flow without touching their principal amount. A higher investment amount can easily turn into a reliable monthly income source.
Latest LIC FD Interest Rates for 2026
As per the latest updates, LIC FD interest rates for 2026 remain competitive. One year tenure offers around 6.70 percent interest, while five year tenure goes up to nearly 6.90 percent. Senior citizens get an extra interest benefit of 0.25 percent. These rates make LIC FD Scheme 2026 more attractive than many traditional bank fixed deposits.
Things to Know Before Investing in LIC FD
Although LIC FD is not fully government guaranteed like bank FD, its strong brand value and financial stability reduce risk significantly. Interest earned is taxable as per individual tax slab, so investors should plan accordingly. Overall, LIC FD Scheme 2026 suits those who prefer safety, steady returns, and peace of mind.
Disclaimer: This article is based on information available on the internet and public sources. Interest rates and schemes may change. Investors are advised to check official LIC Housing Finance details before investing.
also read :- 2026 KTM Electric Cycle Promises Power, Style and Smart Value