LIC’s guaranteed income offerings in 2025 are attracting strong interest from investors seeking stable, predictable monthly income without market risk. With a one time investment, eligible policyholders can secure a monthly payout of around ₹9,500, making the plan especially appealing for retirees and conservative savers.
What the LIC Guaranteed Income Plan Is
The LIC Guaranteed Income Plan is designed to convert a lump sum investment into assured periodic income. Once the purchase price is paid, the income is locked in and continues as per the chosen option, offering peace of mind and financial certainty.
The plan is offered by Life Insurance Corporation of India, providing government backed credibility and long term reliability.
How the ₹9,500 Monthly Income Works
The monthly income amount depends on the one time investment, the age of the investor at entry, and the selected income option. Higher purchase prices and certain payout variants result in higher monthly income.
Income can be structured monthly, quarterly, half yearly, or annually, with monthly payouts being the most preferred for regular expenses.
One Time Investment Requirement Explained
Instead of recurring premiums, this plan requires a single upfront payment. The invested amount is used to generate guaranteed income for a defined period or for the lifetime of the policyholder, depending on the option chosen.
This structure suits investors who want simplicity and do not wish to manage ongoing contributions.
Who Is Eligible to Invest
The plan is available to a broad age range, making it suitable for both near retirees and senior citizens.
• Resident Indian individuals
• Entry age varies by income option
• Joint life options available for spouse security
• Nomination facility provided
Exact eligibility criteria depend on the chosen variant.
Safety, Returns, and Risk Profile
Returns under this plan are guaranteed at inception and are not linked to market performance. There is no exposure to equity or interest rate volatility, ensuring stable payouts even during economic uncertainty.
This makes the plan ideal for risk averse investors prioritizing income security.
Tax Treatment of Monthly Income
The monthly income received is taxable as per the investor’s income tax slab. Tax rules may vary based on individual circumstances and prevailing laws, and investors should factor taxation into net income planning.
Who Should Consider This Plan
This plan suits retirees seeking steady cash flow, individuals looking to convert a lump sum into predictable income, and families wanting lifetime income protection with optional spouse benefits.
It also works well as a supplement to other retirement income sources.
Conclusion:
The LIC Guaranteed Income Plan 2025 offers a straightforward way to earn around ₹9,500 per month through a one time investment. With guaranteed payouts, government backing, and flexible income options, it stands out as a dependable choice for those seeking long term income stability.
Disclaimer: All figures and features mentioned are indicative and depend on age, purchase price, annuity option, and policy terms at the time of purchase. Actual income amounts may vary. Tax treatment and plan rules are subject to change as per government and LIC updates.