New FD Claim – ₹1 Lakh Investment to Get ₹6,500 Per Month LIC FD Scheme 2026

LIC FD Scheme 2026 : Lately, there’s been a lot of buzz on social media, YouTube, and WhatsApp about a new LIC FD scheme for 2026. Many posts claim that if you invest just ₹1 lakh, you will earn a guaranteed monthly income of ₹6,500. That sounds exciting, especially for people looking for safe investment options with regular income. But before you rush to invest or share this information with others, it’s important to understand what’s true and what’s misleading. In this article, we’ll go through the claims, the actual interest scenario, and what LIC really offers, all in simple English.

What the Viral Claims Say versus Reality

The viral messages and videos make it sound too good to be true – and that’s exactly the problem. They say LIC has launched a “special” FD where ₹1 lakh invested will give you ₹6,500 every month. If that were true, your annual income from ₹1 lakh would be ₹78,000, which is a return of 78% per year. No secure financial product from LIC, or any trusted financial institution in India, offers that kind of return on a fixed deposit, especially one that claims to be safe and guaranteed.

When we check LIC’s official information and other reliable finance portals, we find that LIC Housing Finance (the arm of LIC that offers FDs) has FD interest rates in the range of around 7.00% to 7.75% per year at best. That’s a decent rate in today’s interest rate environment, but it’s nowhere close to the unrealistic figures being shared online.

How FD Returns Actually Work

To understand why the rumours don’t add up, let’s do a simple calculation. Suppose you invest ₹1 lakh in an FD that gives an annual interest rate of 7.75% (which is on the higher side for LIC FDs). Your interest for the year would be:

1,00,000 × 7.75% = ₹7,750 per year

Now, if you divide that ₹7,750 by 12 months to get a monthly figure, you get:

₹7,750 / 12 ≈ ₹645 per month

So, with ₹1 lakh invested at about 7.75% per year, you might expect around ₹645 a month as interest — not ₹6,500. The real figure is roughly 10 times smaller than the viral claim. Even with some special monthly income FD products, you wouldn’t see such high monthly payouts with just ₹1 lakh invested.

LIC’s Monthly Income Schemes – What They Actually Offer

LIC Housing Finance does have some monthly income plans and FDs that pay interest monthly. In these plans, the interest is still based on the annual interest rate. Often these products are chosen by people who want regular monthly income without withdrawing the principal. But even here, the interest is determined by the annual rate and then divided across months. So if interest remains in the 7.00% to 7.75% range, the monthly income works out proportionately. There are no official investments from LIC that promise a 78% annual return or ₹6,500 per month on a ₹1 lakh investment.

Benefits of Investing in LIC FDs

While the viral claim doesn’t hold water, investing in LIC FDs can still be a good choice for conservative investors. FDs of reputed institutions like LIC Housing Finance are considered safe and reliable. They offer a predictable income stream, especially compared to volatile market-linked products. Many LIC FDs also allow online account opening, making the process convenient. For senior citizens, additional interest benefits may be available, while some plans might even offer tax benefits under certain conditions. These perks make LIC FDs a solid choice for people who prioritize safety over high risk.

Be Cautious of Unrealistic Returns

If any scheme promises that you’ll get ₹6,500 every month from investing just ₹1 lakh, be very skeptical. There is currently no such high-yield FD product from LIC or any mainstream financial institution in India. High returns typically come with high risk, and products that guarantee unusually high returns should always be questioned. Misinformation spreads quickly on social media, so it’s important to cross-check such claims with official sources. LIC’s official website, trusted bank portals, and well-known financial news sites are good places to verify accurate information.

How You Can Verify Before Investing

Before making any investment decision, especially based on viral posts, always visit the official LIC website or contact your nearest LIC branch. Official documentation and product brochures will clearly explain the interest rates, payout patterns, and terms of any FD or income plan. You can also ask for projections based on your specific investment amount and date to see realistic returns.

Smart Investing Takes Real Information

Investing wisely means being informed. FDs remain one of the safest ways to grow your money steadily, especially if you don’t want to deal with market ups and downs. LIC FDs are backed by a reputable institution, and many investors choose them for long-term financial planning. Just be sure you’re not falling for exaggerated or misleading claims. Understand the real interest rates, what you can expect month by month, and how the payout structure works before you commit your hard-earned money.

Conclusion

The LIC FD Scheme 2026 rumours that promise ₹6,500 a month on a ₹1 lakh investment are misleading. Real returns from LIC FDs are in line with annual interest rates around 7.00% to 7.75%, which translates to a much smaller monthly income. LIC remains a trustworthy institution for fixed deposits and monthly income plans, but investors should rely only on official information when making decisions. Always compare interest rates, payout structures, and terms to choose the right product for your financial goals.

Disclaimer: This article is for general informational purposes only and is based on publicly available information at the time of writing. Interest rates, schemes, and financial products offered by LIC and its affiliates may change over time. Readers should verify details through official LIC resources or financial advisors before making investment decisions. The content provided here does not constitute financial advice, and individual investment needs vary based on personal financial situations.