The Life Insurance Corporation of India (LIC) has introduced a new fixed deposit (FD) scheme in 2026 that will offer investors good monthly returns. If you are thinking of investing, under this plan, if you put in ₹2 lakh, you will get a monthly payout of ₹6,736. This scheme is expected to give regular income, thus attracting mainly seniors, salaried people, and families that are in the market for secure investments.
What is the LIC FD Scheme?
LIC FD scheme is a way of depositing a certain amount of money for a certain period of time. Instead of waiting for the maturity period to end, the investors can get monthly interest payouts. By doing this the income becomes regular while the principal amount is protected. The scheme has the backing of LIC, which is a provider of safe investments option for the risk-averse investors because it has a reputation of trustworthiness and dependability.
Why This Scheme Matters
During periods of high inflation along with bad market conditions, guaranteed returns become a much-preferred option for the masses over risky investments. Monthly income that is certain due to LIC’s FD scheme helps households to handle their budget in a smoother way. For the old people this scheme is like a financial cushion, and consequently, providing them with the peace of mind and the stability.
Latest Updates in 2026
Lic has made the scheme in such a way that it will provide a higher rate of interest as compared to the traditional bank deposits. The monthly payout option is not rigid, and the investors can pick the time periods from 1 year to 5 years. Senior citizens are provided an incentive of slightly higher interest rates on top.
LIC FD Scheme 2026 Snapshot
| Feature | Details | Impact |
|---|---|---|
| Minimum Investment | ₹2,00,000 | Affordable entry point for investors |
| Monthly Payout | ₹6,736 | Steady income every month |
| Annual Interest Rate | Around 7.2% | Higher than many bank FDs |
| Tenure Options | 1 to 5 years | Flexibility for short and long-term planning |
| Senior Citizen Benefit | Extra 0.50% interest | Better returns for retirees |
| Payout Choice | Monthly or cumulative | Option for regular income or lump sum |
Who Benefits Most
This scheme is best suited for senior citizens that rely on interest income to pay their everyday expenses. The families that are searching for safe investments will also benefit from the scheme as the monthly payout will take care of the household’s expenses. The salaried professionals can consider it in financial planning whereas the retirees will be gaining the ease that comes with certain returns.
Conclusion
The LIC New FD Scheme 2026 with a monthly payout of ₹6,736 against a ₹2 lakh investment is a safe and winner option for the stability seekers. Combining the flexibility of tenure and higher interest rates along with special senior citizen benefits, it is a safety net with a regular income. To the investors valuing returns that are guaranteed, this scheme is a trustworthy pick in 2026.