Are you in search of a safe avenue to earn regular monthly cash after retirement or to grow savings? A lot of attention is pouring on LIC Housing Finance’s LIC FD scheme 2026. With the presently popular program Sanchay Public Deposit Scheme, an amount of at least two lakhs can be invested. Start earning interest monthly, which will be fixed straight into your bank account.
This is not typical banking FD. It’s a very high security deposit provided by LIC Housing Finance, a subsidiary of LIC of India, which is the CRISIL AAA/Stable rated – the safest your money may be. In short, it’s a guaranteed return; not market risk and easy monthly payments that make it perfect for seniors and conservative investors.
What is the LIC Housing Finance Sanchay FD Scheme?
This scheme by LIC Housing Finance has been running for years and is still at its peak in 2026; the Sanchay scheme offers both cumulative (interest added to principal) and non-cumulative (regular payout). For regular monthly payments over time, the monthly income plan will be the most frequently used option for people who need proper monthly cash flow.
Interest can be withdrawn per month subject to a minimum deposit of worth ₹2 lakh (multiples of ₹10,000).
Investment Periods range from one to five years.
Payment of interest is made on the first of every month or on March 31st during that month.
It returns its principal amount at maturity.
Interest Rates (Applicable from 1st June 2025 and Remains Valid till 28th Feb 2026)
Rates as far as non-cumulative monthly payouts are concerned (up to an amount of ₹3 crore):
- · One year: 6.50%
- · Two years: 6.60%
- · Three years: 6.65%
- · Five years: 6.70%
Additional return of 0.25% on all tenures above for senior citizens (60+).
Real Monthly Income Illustration of ₹2 Lakh Investment
In the case of a five-year tenure- the highest rate in the monthly option:
- The General Public earns ₹1,117 every month
- Senior citizens are also paid an amount of ₹1,158 per month
(The interest is calculated as: Principal × Rate ÷ 100) ÷12. TDS deductions will be applicable as per rules advertising and fee schedules.)
Benefits of the LIC FD Scheme 2026
- Secured income per month and not affected by market fluctuations.
- High in safety: Backed by LIC Housing Finance and top credit rating.
- Get loans after three months up to 75% of the deposited amount.
- Premature withdrawal, as per rules; Min. Lock-in Section.
- Auto renew option: A convenient feature matures.
- Tax benefits: Consider as tax per slab with higher exemption limit of the senior citizen under Section 80TTB.
People who have retired, housewives, or a person earning with a fixed income
Comparison of Key Facts (for ₹2 Lakh Monthly Payout Option)
| Tenure | General Rate | Monthly Income (General) | Senior Rate | Monthly Income (Senior) |
|---|---|---|---|---|
| 1 Year | 6.50% | ₹1,083 | 6.75% | ₹1,125 |
| 2 Years | 6.60% | ₹1,100 | 6.85% | ₹1,142 |
| 3 Years | 6.65% | ₹1,108 | 6.90% | ₹1,150 |
| 5 Years | 6.70% | ₹1,117 | 6.95% | ₹1,158 |
Who Should Invest?
Indian citizens can come to LIC Housing Finance for FDs at a minimum age of 18, with NRIs that abide by a certain time frame. The most preferable group of investors is the elderly, who can get back regular interest but no risks with this sort of saving account. You can start with a value-to-vary $2 lakh and scale it up significantly as required. Open-ended scheme, with attractive rates for deposits up to $3 crore.
How to Open the LIC FD Scheme
Get to the closest LIC Housing Finance branch or authorised representative. Bring along your PAN, Aadhaar card, address proof and passport-size photographs. It is very fast and friendly in most cities. Interest will begin accruing from the date you will be crediting the amount.
Consider your “maturity” as per this LIC FD, 2026 plan, particularly in the light of rising inflation. Whenever possible always visit LIC Housing Finance’s official website and keep an eye on its current rates. Remember that savings rates are revised quarterly.
Start planning today-a carefree tomorrow awaits. Because there is a lot of peace for the small amount as it reaches big aspects when in terms of a secure monthly income through FD.