LIC Housing Finance Limited is currently offering two Fixed Deposit (FD) schemes. These are the Accumulation Public Deposit Scheme and the Green Deposit Scheme. Apart from these, a Corporate Deposit Scheme is also available, but only Public Limited Companies, Private Limited Companies, and other financial institutions can use it. The first two schemes are open to regular citizens.

LIC changed the interest rates for both FD schemes in June 2025. Customers can choose between callable and non-callable options. Callable means you can take out your money before the FD ends.

Let’s first talk about the Accumulation Public Deposit Scheme. In this scheme, customers can choose from 6 different maturity periods. The interest rate is different for each one. Senior citizens get an extra 0.25% return. People can invest from ₹20,000 to ₹3 crore in this scheme. Also, a loan of up to 75% of the deposit amount can be taken.

How Much Return Will You Get?

The bank is giving a 6.70% return on a 1-year investment. For a 15-month term, the interest rate is 6.75%. LIC is offering 6.75% interest for 18 months, 6.80% for 2 years, 6.85% for 3 years, and 6.90% for 5 years. Senior citizens will get up to 7.15% interest.

If someone invests ₹20,000 and chooses the 5-year option, they will get up to ₹27,920 after maturity. The total interest earned will be ₹7,920.

About the Green Deposit Scheme

LIC is also offering good returns, safety, and options in the Green Deposit Scheme. Its interest rates were also updated in June 2025. After the change, investments of less than ₹3 crore earn between 6.60% and 6.80% interest. Senior citizens get an extra 0.25% interest.

Check the Green Deposit Interest Rates:

  • 1 year – 6.60%
  • 18 months – 6.65%
  • 2 years – 6.70%
  • 3 years – 6.75%
  • 5 years – 6.80%