LIC has launched a new investment plan for 2025 called the LIC MDS (Monthly Deposit Scheme). It works like a fixed deposit but promises higher returns. This scheme is designed especially for small and medium investors who want safe and guaranteed profit. According to LIC, if you invest ₹50,000 in this scheme, you can earn around ₹11,000 profit on maturity. Let’s explore the details in simple language.
What is LIC MDS Scheme?
The LIC MDS is similar to a bank fixed deposit (FD). You deposit a lump sum amount, and after a fixed period, you receive your money along with interest. The main aim is to give investors a safe and assured return. It is ideal for those who want more returns than regular bank FDs without taking much risk.
How ₹50,000 Can Give ₹11,000 Profit?
The scheme offers interest rates higher than regular FDs. If you invest ₹50,000 for 5 years, with an annual interest rate of 7.5%–8%, the total maturity amount can be around ₹60,000–₹61,000. This means a profit of approximately ₹11,000.
Key Features of LIC MDS Scheme
- Minimum Investment: ₹10,000
- Maximum Investment: No upper limit
- Interest Rate: Estimated 7.5%–8% per year
- Lock-in Period: 3 to 5 years
- Premature Withdrawal: Allowed with some conditions
- Tax Benefits: Eligible for 80C deductions
Why Choose LIC MDS?
Bank FD rates are currently falling, so this scheme gives better returns with low risk. LIC is a trusted government-backed company, so your investment is secure. This scheme is perfect for anyone who wants safe and profitable investment without market risks.
Conclusion
The LIC MDS Scheme 2025 is an attractive option for small and medium investors. With guaranteed returns and low risk, investing ₹50,000 can give a profit of around ₹11,000 on maturity. If you are looking for a safe way to grow your money, this LIC scheme is worth considering.
FAQs
What is the minimum investment in LIC MDS Scheme?
The minimum investment is ₹10,000.
What is the expected profit on ₹50,000 investment?
You can earn around ₹11,000 profit after 5 years.
Can I withdraw my money before maturity?
Yes, premature withdrawal is possible but some conditions apply.
Is LIC MDS scheme safe?
Yes, LIC is government-backed, making this investment very secure.
Does this scheme offer tax benefits?
Yes, you can claim benefits under Section 80C.