LIC FD Scheme 2025 : Earn Up to 6.90% interest rates on LIC Fixed Deposits.

LIC FD Scheme 2025: LIC Housing Finance offering Sanchay Public Deposits with attractive interest rate on Fixed deposits. FD Investors who are seeking high interest rate can look for Sanchay Public Deposits that are offering upto 6.90% of interest rate.

LIC Housing finance is a trusted name in the financial market and it offers various types of loan as well as Fixed Deposit Schemes also.

SANCHAY deposit scheme is one of them that can help FD investors to earn more interest rates than others even in low tenure also. LIC Housing Finance Ltd is rated AAA/Stable by CRISIL so make it reliable and trustable.

LIC FD Attractive interest rate

LIC Housing finance SANCHAY deposit scheme offers up to 6.90% return if you do FD for 5 Years. If You put money aside for 1 year then you will earn 6.70% Yearly.

Investors can choose money interest rate payout also. Below is the interest rates for the different tanure.

Monthly Interest Rate

Term	Up to ₹3 Crores	Above ₹3 Crores
1 Year	6.50%	6.40%
15 Months	6.55%	6.45%
18 Months	6.55%	6.45%
2 Years	6.60%	6.60%
3 Years	6.65%	6.65%
5 Years	6.70%	6.70%

Quarterly Interest Rate

Term	Up to ₹3 Crores	Above ₹3 Crores
1 Year	6.55%	6.45%
15 Months	6.60%	6.50%
18 Months	6.60%	6.50%
2 Years	6.65%	6.65%
3 Years	6.70%	6.70%
5 Years	6.75%	6.75%

Yearly Interest Rate

Term	Up to ₹3 Crores	Above ₹3 Crores
1 Year	6.70%	6.60%
15 Months	6.75%	6.65%
18 Months	6.75%	6.65%
2 Years	6.80%	6.80%
3 Years	6.85%	6.85%
5 Years	6.90%	6.90%

Calculating Monthly Interest of

If you are planning to invest 10 lakh then your Interest will be like 6.5% for 1 year. By this you would earn 5416 per month if you chose monthly payout.

If you invest the same 10 Lakh for 5 years then you will earn 6.90%. For this tenure you will earn 69000 per year if you choose yearly interest payout.

Imapct on earning

On fixed deposits tenure and payout cycle is very important. Both will affect your earning on a fixed deposit. Choosing higher tenure and early payout will earn more interest and choosing low tenure will affect your interest rate.

So If you are planning for a long term like 5 years or more that will give you higher earnings. For the short term you will also earn interest but less.

Tax on LIC Fixed deposit

Under this scheme Income tax will be deducted at source according to the provisions of the Income Tax Act, 1961, at the applicable rates.

FD Risk Free Investment

FD is consider risk free and housing finance is reputed name. The company is also rated AAA/Stable by CRISIL which is highest in the industry. So if you are investing with this company, it will be totally risk free.

FD Bonus for Seniors

Seniors Citizen earns more interest rate on the Fixed deposits. Here LIC housing Finance also passes that benfits.There is Additional benefit of 0.25% p.a. in interest rate to senior citizens (for deposits of ₹ 20,000/- & above but upto ₹ 3 Crores) on all tenures.

This feature makes it more attractive to old people who can invest in Fixed deposit and earn some extra interest rate.

LIC FD Use as Collatreal

Sanchay Public Deposits can be used as collateral when you are in need. There is no other document needed to get loan and easy sanction of Loan against Deposit up to 75% of Deposit Amount on very low interest rate.

For example : if you deposit 10 lakh then you can take a loan of upto 7.5 lakhs.

FD Premature withdrawal

If you have need of money then you can withdraw the money form your FD but you have to pay some penalties like 1% to 3% depending upon the invested time period.

Document Required For LIC FD Scheme

To start FD with LIC housing Finance You need following document for KYC;-

Latest passport-sized color photograph
Self-attested copy of PAN card
Self-attested copy of proof of identity
Self-attested copy of proof of address
Duly filled KYC Form

For more info and updates, must visit official website

FAQs For LIC FD Scheme 2025

Q1. Is my money safe with this deposit scheme?

Yes, your investment is completely secure. We hold a CRISIL AAA/Stable rating, which reflects the highest level of safety and stability for depositors.