With market volatility and uncertain returns worrying small investors, a new LIC FD-style scheme in 2026 is drawing massive attention. The promise is simple and powerful: invest ₹3 lakh once and receive a steady monthly income of ₹6,566 with guaranteed returns. For retirees and conservative investors, this kind of predictable payout is becoming increasingly attractive.
In a time when fixed deposits offer fluctuating interest rates, guaranteed-income plans backed by trusted institutions are gaining popularity. Here is everything you need to know about this LIC-style income option.
What Is the LIC FD-Style Scheme 2026
The LIC FD-style scheme is designed for individuals seeking stable and assured returns instead of market-linked growth. Unlike traditional bank fixed deposits, this type of plan generally combines investment with guaranteed income benefits over a fixed tenure.
Investors make a one-time lump sum investment. In return, they receive a fixed monthly payout for a defined period. The structure is ideal for those who want consistent cash flow without worrying about market performance.
The guaranteed nature of returns makes it appealing to senior citizens and risk-averse investors.
How ₹3 Lakh Can Generate ₹6,566 Monthly
Under the illustrated structure, a lump sum investment of ₹3,00,000 is converted into a regular monthly income of ₹6,566. The payout period depends on the policy term selected at the time of investment.
The income is pre-defined and not affected by market movements. This predictability makes financial planning easier, especially for retirees managing household expenses.
Below is a simplified example of the payout structure:
| Investment Amount | Monthly Income | Return Type | Tenure |
|---|---|---|---|
| ₹3,00,000 | ₹6,566 | Guaranteed | As per chosen plan |
Actual returns may vary depending on policy conditions and selected options.
Who Should Consider This Plan
This type of scheme is particularly suitable for:
Retired individuals looking for steady income
Senior citizens seeking low-risk investment options
Individuals planning passive income for household expenses
Conservative investors avoiding equity market risks
It can also be useful for those who want to create a secondary income stream without actively managing investments.
Key Benefits of the Scheme
The biggest advantage is guaranteed monthly income. Investors know exactly how much they will receive and when.
There is no exposure to stock market volatility. Returns remain fixed regardless of economic fluctuations.
The lump sum investment structure eliminates the need for recurring contributions.
Some plans may also offer maturity benefits or additional security features depending on policy terms.
How It Compares to Traditional Fixed Deposits
Traditional bank fixed deposits provide interest income, but monthly payouts depend on interest rates and tenure. In contrast, structured guaranteed income plans provide predefined payouts.
Fixed deposits may require reinvestment after maturity, while certain income schemes offer longer payout durations.
However, investors should compare effective returns, lock-in period, and liquidity before making a decision.
Important Points to Check Before Investing
Before committing ₹3 lakh or any amount, investors should verify:
The total payout over the entire tenure
Lock-in period and surrender conditions
Tax implications on monthly income
Eligibility criteria and documentation requirements
Whether the plan includes insurance components
Understanding all terms ensures there are no surprises later.
Why Such Schemes Are Popular in 2026
Rising living costs and uncertain financial markets are pushing investors toward stable options. Guaranteed income products provide peace of mind, especially for retirees relying on fixed budgets.
In 2026, financial security and predictable returns are priorities for many households. This is why FD-style income schemes are trending among conservative investors.
For individuals seeking regular monthly support without market risk, this plan structure appears appealing.
Conclusion
The LIC FD-style Scheme 2026 offering ₹6,566 monthly income from a ₹3 lakh investment highlights the growing demand for guaranteed-return products. With stable payouts and predictable benefits, such schemes can help investors manage expenses confidently.
However, careful evaluation of terms, tenure, and overall returns is essential before investing. Financial planning should align with personal goals and risk appetite to ensure long-term security.
Disclaimer: This article is for informational purposes only. Investors should review official policy documents and consult a financial advisor before making any investment decision.