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Lic Scheme – Get Monthly Income with Smart Pension Plan, know details

vipin kumar

January 25, 2026 at 3:56 PM IST · 3 min read

New Delhi: Life Insurance Corporation of India (LIC), one of India’s largest institutions, offers special schemes for people of all ages. These schemes provide significant benefits. Many LIC schemes remain a top choice for people, with some even promising a regular income.

Some plans are designed to help maintain a stable financial budget after retirement. You’ve probably heard of LIC’s Smart Pension Plan. This plan allows you to earn a lump sum pension and provides lifelong pension benefits. It’s considered an excellent LIC plan for guaranteed income and is highly regarded by investors. You can find out the essential details of the Smart Pension Plan in this news report.

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A Great Plan for Guaranteed Income

LIC’s Smart Pension Plan guarantees income, making it particularly attractive to investors. It’s ideal for those who wanta guaranteed and regular income without the volatility of the stock market. This is a linked and non-participating LIC plan, meaning there is zero market-related risk.

The minimum annuity purchase in the Smart Pension Plan is set at ₹1 lakh. There is no maximum investment limit; you can invest as much as you want. The pension amount is fixed at the time of purchasing the policy, and the benefits are received for life.

You can open a single or joint account with your spouse. Policyholders can choose monthly, quarterly, half-yearly, or annual pension options according to their needs.

Additionally, options are available to increase the pension by 3% or 6% annually, or to receive the invested amount back after death. This LIC scheme is especially beneficial for retired employees, private sector employees, and senior citizens who want a steady income after retirement.

How to Earn ₹10,880 Per Month

Under LIC’s Smart Pension Plan, you can calculate how to earn more than ₹10,000 per month. To avail of this plan, investors will have to make a one-time investment of ₹10 lakh. According to the LIC calculator, this investment will yield an annual return of ₹1,36,000.

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If this return is distributed semi-annually, the amount would be ₹66,640, and quarterly, it would be ₹32,980. Dividing it on a monthly basis, the investor would receive a benefit of ₹10,880 per month.

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