{"id":10546,"date":"2026-02-17T09:48:05","date_gmt":"2026-02-17T09:48:05","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=10546"},"modified":"2026-02-17T09:48:30","modified_gmt":"2026-02-17T09:48:30","slug":"lic-fd-interest-rates-2026-summary","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/lic-fd-interest-rates-2026-summary\/","title":{"rendered":"LIC FD Interest Rates 2026 \u2013 Summary"},"content":{"rendered":"\n<p><strong>Applicable for FD tenures from 1 yr to 5 yrs (Sanchay Public Deposit):<\/strong><br><strong>General Public:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1 Year:<\/strong> ~6.70% p.a.<\/li>\n\n\n\n<li><strong>2 Years:<\/strong> ~6.80% p.a.<\/li>\n\n\n\n<li><strong>3 Years:<\/strong> ~6.85% p.a.<\/li>\n\n\n\n<li><strong>5 Years:<\/strong> ~6.90% p.a.<\/li>\n<\/ul>\n\n\n\n<p><strong>Senior Citizens (extra benefit):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Typically, an <strong>additional ~0.25% p.a.<\/strong> is added on top of the general rates for senior citizens, making <strong>5-year senior FD ~7.15% p.a.<\/strong> or slightly more depending on the specific offering.<\/li>\n<\/ul>\n\n\n\n<p><strong>Key Notes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LIC FDs are issued under the <strong>SANCHAY Public Deposit scheme<\/strong> by <strong>LIC Housing Finance Limited<\/strong> (LIC HFL).<\/li>\n\n\n\n<li>Interest rates vary by <strong>tenure and option<\/strong> (cumulative, non-cumulative monthly\/annual).<\/li>\n\n\n\n<li>Minimum investment for these FD schemes generally starts around <strong>\u20b920,000\u2013\u20b925,000<\/strong> depending on payout option.<\/li>\n\n\n\n<li>Interest earned is <strong>taxable<\/strong>, and <strong>TDS<\/strong> may apply if annual interest exceeds the threshold.<\/li>\n<\/ul>\n\n\n\n<p> <strong>Example Illustration (2026 typical ranges)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tenure<\/th><th>General Rate (p.a.)<\/th><th>Senior Citizens (approx)<\/th><\/tr><\/thead><tbody><tr><td>1 Year<\/td><td>~6.70%<\/td><td>~6.95\u20137.20%<\/td><\/tr><tr><td>2 Years<\/td><td>~6.80%<\/td><td>~7.05\u20137.30%<\/td><\/tr><tr><td>3 Years<\/td><td>~6.85%<\/td><td>~7.10\u20137.35%<\/td><\/tr><tr><td>5 Years<\/td><td>~6.90%<\/td><td>~7.15\u20137.40%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you want, I can also prepare a <strong>detailed table with cumulative vs non-cumulative rates<\/strong> or <strong>compare LIC FD rates with major bank FDs<\/strong>. Just let me know!<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10546","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}