LIC Housing Finance Limited is currently offering two Fixed Deposit (FD) schemes for general customers:
Sanchay Public Deposit Scheme
Green Deposit Scheme
In addition to these, a Corporate Deposit Scheme is available, but only for Public Limited Companies, Private Limited Companies, and financial institutions. Regular citizens cannot invest in this corporate scheme.
In June 2025, LIC updated the interest rates for both the public FD schemes. Investors can choose between callable and non-callable options.
Callable means you are allowed to withdraw the money before the end of the deposit term.
Sanchay Public Deposit Scheme: Key Features
Under this scheme, investors can choose from 6 different maturity periods. Each period has its own interest rate. Senior citizens receive an additional 0.25% return on all slabs.
Minimum Investment: ₹20,000
Maximum Investment: ₹3 crore
Loan Option: You can get a loan of up to 75% of your deposit amount.
Here are the current interest rates:
1 Year – 6.70%
15 Months – 6.75%
18 Months – 6.75%
2 Years – 6.80%
3 Years – 6.85%
5 Years – 6.90%
For senior citizens, the maximum interest rate goes up to 7.15%.
Example:
If someone invests ₹20,000 for 5 years, they will receive ₹27,920 after maturity. This includes ₹7,920 as interest.
Green Deposit Scheme: Features and Returns
The Green Deposit Scheme also offers secure returns and flexible options. Its interest rates were revised in June 2025.
The returns range from 6.60% to 6.80% for investments below ₹3 crore. Senior citizens get an extra 0.25% interest.
Here are the current rates:
1 Year – 6.60%
18 Months – 6.65%
2 Years – 6.70%
3 Years – 6.75%
5 Years – 6.80%
