People in India always trust LIC for safe investment. Recently many news and social media posts are claiming that LIC has launched a new FD type scheme where if you invest ₹1.5 lakh, you can get ₹9,500 every month as return. Because of this, many people have become excited and want to know whether this scheme is real, how it works, and what benefits it offers. Let us understand the full details in simple English.
What Is This LIC FD Scheme and What Are People Claiming?
According to the viral information, this scheme is being promoted like a Fixed Deposit plan where you invest one time and then get a big monthly income. However, it is important to understand that LIC normally offers insurance plans, pension plans, and annuity plans, not traditional bank-style FDs. LIC Housing Finance does offer fixed deposits, but no FD in India gives such a high return that ₹1.5 lakh investment can pay ₹9,500 every month, which equals more than ₹1 lakh per year.
If any scheme promises very high returns with very low investment, then you should always cross-check the official LIC website, LIC branch, or authorized LIC agent. Many times social media messages are misleading or half true. LIC does have some pension and annuity plans that provide monthly income, but the income amount depends on interest rate, policy term, age, and investment size, not fixed like this viral claim.
Benefits, Reality Check, and What You Should Do Before Investing
LIC plans are popular because they are government-backed, trusted, and safe. If LIC launches any new deposit or pension scheme, it usually comes with clear terms, guaranteed returns, and official announcement. As of now, getting ₹9,500 every month from just ₹1.5 lakh investment is not practical because that would mean extremely high yearly returns.
So before investing, always follow these steps:
- Visit the official LIC website or nearest LIC office
- Read the official brochure of the scheme
- Check interest rate, lock-in period, monthly payout rules
- Do not trust only viral WhatsApp or YouTube news
- Take advice from a trusted financial advisor
LIC is a strong and reliable brand, but it is important that customers stay aware and do not fall for exaggerated claims. Invest wisely, check facts, and choose the plan that truly meets your financial goals.
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