LIC FD Interest Rates 2026 – Summary
Applicable for FD tenures from 1 yr to 5 yrs (Sanchay Public Deposit):
General Public:
- 1 Year: ~6.70% p.a.
- 2 Years: ~6.80% p.a.
- 3 Years: ~6.85% p.a.
- 5 Years: ~6.90% p.a.
Senior Citizens (extra benefit):
- Typically, an additional ~0.25% p.a. is added on top of the general rates for senior citizens, making 5-year senior FD ~7.15% p.a. or slightly more depending on the specific offering.
Key Notes
- LIC FDs are issued under the SANCHAY Public Deposit scheme by LIC Housing Finance Limited (LIC HFL).
- Interest rates vary by tenure and option (cumulative, non-cumulative monthly/annual).
- Minimum investment for these FD schemes generally starts around ₹20,000–₹25,000 depending on payout option.
- Interest earned is taxable, and TDS may apply if annual interest exceeds the threshold.
Example Illustration (2026 typical ranges)
| Tenure | General Rate (p.a.) | Senior Citizens (approx) |
|---|---|---|
| 1 Year | ~6.70% | ~6.95–7.20% |
| 2 Years | ~6.80% | ~7.05–7.30% |
| 3 Years | ~6.85% | ~7.10–7.35% |
| 5 Years | ~6.90% | ~7.15–7.40% |
If you want, I can also prepare a detailed table with cumulative vs non-cumulative rates or compare LIC FD rates with major bank FDs. Just let me know!
