Looking for a safe place to park your savings? The LIC HFL Sanchay Deposit Scheme is one option that is considered to be one of the safest options. Run by LIC Housing Finance Limited, it’s built for people who want predictable returns without the ups and downs of the market. Part of its appeal comes from the LIC name itself, a trust that’s been built over decades. The other part comes from its CRISIL AAA\/Stable rating, which basically tells you the company is in a strong position to pay back what it owes on time.<\/p>\n
That combination of brand and rating is why so many conservative investors keep coming back to this sanchay deposit scheme year after year. Let\u2019s understand more about this scheme in detail.<\/p>\n
In simple terms, <\/span>LIC Sanchay Deposit Scheme is simply a fixed deposit scheme by LIC Housing Finance, and not by LIC itself. It is worth mentioning here that this deposit scheme by the company has been operating since May 2007, which shows that it is neither a new nor an untested deposit scheme.<\/span><\/p>\n In fact, there are two versions of this LIC housing finance Sanchay Deposit Scheme. One is known as the Public Deposit Scheme, and it is intended for individuals, HUFs, NRIs, trusts, and similarly minded depositors. The other one is known as the Corporate Deposit Scheme, which is intended for corporates and statutory bodies.<\/p>\n <\/p>\n There are a lot more benefits of this <\/span>LIC Sanchay Deposit Scheme that go beyond just the interest rate:<\/span><\/p>\n None of these features is flashy, but together, they make the scheme practical for a wide range of savers.<\/span><\/p>\n <\/p>\n Rates on the <\/span>LIC HFL Sanchay Deposit Scheme are reviewed periodically and can move up or down depending on market conditions. As of the latest update, here’s roughly where things stand for deposits below \u20b920 crore:<\/span><\/p>\n <\/p>\n Both cumulative and non-cumulative options are available. Under cumulative, interest compounds annually and gets paid out at maturity. Under non-cumulative, you can choose monthly or annual payouts instead, which suit people who want a regular income stream.<\/span><\/p>\nKey Features & Benefits of LIC HFL Sanchay Deposit Scheme<\/b><\/h2>\n
\n
Interest Rates of LIC HFL Sanchay Deposit Scheme 2026<\/b><\/h2>\n
\n\n
\n \nTenure<\/th>\n General Public (p.a.)<\/th>\n Senior Citizens (p.a.)<\/th>\n<\/tr>\n<\/thead>\n \n 1 Year<\/td>\n 6.70%<\/td>\n 6.95%<\/td>\n<\/tr>\n \n 18 Months<\/td>\n 6.75%<\/td>\n 7.00%<\/td>\n<\/tr>\n \n 2 Years<\/td>\n 6.80%<\/td>\n 7.05%<\/td>\n<\/tr>\n \n 3 Years<\/td>\n 6.85%<\/td>\n 7.10%<\/td>\n<\/tr>\n \n 5 Years<\/td>\n 6.90%<\/td>\n 7.15%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n