Fixed deposits remain a favourite for safe, guaranteed returns in uncertain times. LIC Housing Finance (a subsidiary of Life Insurance Corporation of India) offers popular FD schemes like Sanchay, known for high safety and competitive rates.
In early 2026, these schemes continue to attract investors seeking stability. With bank FD rates around 6-7%, LIC HFL’s options provide reliable growth backed by AAA ratings.
What Are LIC FD Schemes?
LIC Housing Finance’s fixed deposits, mainly the Sanchay scheme, let you invest a lump sum for fixed tenures. You earn predictable interest, paid monthly, quarterly, annually, or at maturity.
These are not insurance products but pure deposits with DICGC insurance up to ₹5 lakh.
Current Interest Rates in 2026
As of January 2026, general public rates range from 6.70% to 6.90% p.a., depending on tenure. Seniors get an extra 0.25%, pushing up to 7.15%.
Longer tenures often yield more.
Why Choose LIC HFL FDs Now?
AAA/Stable rating by CRISIL means very low risk. Flexible payout options suit retirees needing regular income.
No market volatility – perfect for conservative savers.
Eligibility and Minimum Investment
Anyone (individuals, HUFs, seniors) can invest. Minimum is usually ₹20,000 or lower for some plans.
NRIs qualify with restrictions on tenure.
Benefits of Investing
High safety, tax-deductible under 80C for 5-year locks (if applicable), and loan facility against FD.
Premature withdrawal allowed with small penalty.
Things to Keep in Mind
Interest is taxable as per your slab. TDS applies if over limits.
Rates can change – always check official site.
Interest Rates Overview (January 2026)
Here’s a table of typical rates for public deposits:
| Tenure | General Rate (p.a.) | Senior Citizen Rate (p.a.) |
|---|---|---|
| 1 Year | 6.70% | 6.95% |
| 2 Years | 6.80% | 7.05% |
| 3 Years | 6.85% | 7.10% |
| 5 Years | 6.90% | 7.15% |
How to Invest
Visit a branch, apply online, or through agents. Provide KYC documents and choose tenure/payout.
LIC Housing Finance’s FD schemes in 2026 offer safe, attractive returns up to 7.15% for seniors, ideal for steady growth without risks.
Check the latest rates on lichousing.com or visit a branch today to start your investment. Secure your money wisely!