LIC FD Scheme 2026: Bumper returns on depositing Rs 1.5 lakh in this scheme of LIC! Know the real truth of viral claim before investing

New Delhi/Mumbai. In today’s era, everyone wants to invest their hard-earned money in a place where the money is not only 100% safe but also gives excellent returns on it. Fixed Deposit (FD) has always been the most reliable option for investors who are away from the ups and downs of the stock market. These days, a new FD scheme of LIC is being discussed a lot in social media and investment market. It is being claimed that by making a lump sum investment of Rs 1.5 lakh in this scheme, investors are getting the opportunity of huge interest and great earning. But, do you know the full truth of this viral claim? Let us understand in this special report of Amar Ujala, what is this FD scheme of LIC and how beneficial is it to invest in it. What is the real truth of LIC’s new FD scheme? First of all, it is very important for investors to understand that the ‘LIC FD Scheme’ which is being discussed on social media is not actually a life insurance policy of Life Insurance Corporation of India (LIC). Actually, it is a ‘Public Deposit Scheme’ of LIC’s subsidiary company ‘LIC Housing Finance’. Like bank FD, in this scheme too, investors deposit their money for a fixed tenure, on which they get interest at a fixed rate. At present, the estimated annual interest rate on this scheme in the market is around 6.50 percent. However, in many misleading posts on social media, this annual interest is being promoted as ‘fixed income every month’, which is completely wrong. Therefore, investors looking for stable income without risk should understand this mathematics correctly. What will be the real return on an investment of Rs 1.5 lakh? Let us understand the profits of this scheme with a simple calculation. If a person invests Rs 1.5 lakh (1,50,000) in this public deposit scheme of LIC Housing Finance, then at the estimated annual interest rate of 6.50 percent, he will get an interest of about Rs 9,750 in a year. In this way, after completion of the one year period, the total amount will increase to approximately Rs 1,59,750. Another special thing about this scheme is that in this, senior citizens are offered a little extra interest rate as compared to the general public, due to which their profit figure increases further. How to apply and what things should be kept in mind? If you want to get safe and guaranteed returns after a certain time without any market risk, then this scheme can become a great opportunity for you. You do not need to go to any office to open an account in this scheme. You can easily apply for it online by visiting the official website of LIC Housing Finance. Apart from this, you can also open this FD with the help of authorized agents of the company or recognized digital investment platforms. Before investing, read the current interest rate, lock-in period and terms and conditions of the scheme carefully, so that there is no financial loss or confusion in future.