Calculate returns with year-by-year breakdowns. Rates: 6.70%-6.90% p.a. + 0.25% extra for senior citizens. Updated for 2026.

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✨ Quick Example:

₹1,00,000 invested for 5 years at 6.90% p.a. (cumulative) = ₹1,39,898.65 maturity value!

About LIC HFL Sanchay Public Deposit Scheme

The LIC HFL Sanchay Public Deposit Scheme is a premier fixed deposit product from LIC Housing Finance Limited, one of India's largest housing finance firms founded in 1989. With a CRISIL AAA/Stable rating, it signifies the highest degree of safety regarding timely repayment of principal and interest. This makes it an ideal choice for risk-averse investors, senior citizens, and families seeking guaranteed returns with top security.

Eligibility

The scheme is open to a wide range of depositors, including: Resident Individuals, NRIs (up to 3 years from NRO accounts), Minors (with a guardian), Hindu Undivided Families (HUF), Partnership Firms, Companies, Trusts, and Co-operative Societies.

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Interest Rate Structure & Payment

Interest Rates (Effective September 25, 2026)

Tenure	Cumulative (% p.a.)	Non-Cumulative Yearly (% p.a.)	Non-Cumulative Monthly (% p.a.)
1 Year	6.70%	6.70%	6.50%
18 Months	6.75%	6.75%	6.55%
2 Years	6.80%	6.80%	6.60%
3 Years	6.85%	6.85%	6.65%
5 Years (Tax Saver)	6.90%	6.90%	6.70%

Note: Senior citizens (60+ years) receive an additional 0.25% p.a. on all rates for deposits up to ₹20 Crore.

Payment Mechanisms

Cumulative: Interest is compounded annually and paid with the principal at maturity. Minimum deposit: ₹20,000.
Non-Cumulative Yearly: Interest is paid annually on March 31st. Minimum deposit: ₹20,000.
Non-Cumulative Monthly: Interest is paid on the 1st of every month via NACH only. Minimum deposit: ₹2,00,000.

Operational Features & Key Rules

Loan Against Fixed Deposit

Get a loan of up to 75% of the deposit value.
Available only after 3 months from the deposit date.
Interest rate is 2% p.a. above your deposit interest rate.
Facility not available for Minors or NRIs.

Premature Withdrawal Rules

Premature withdrawal is at the sole discretion of LIC HFL. The following rules apply:

Within 3 months: No withdrawal allowed.
After 3 months but up to 6 months: Interest paid is only 3% p.a. for individual depositors. No interest is paid for other categories (firms, trusts, etc.).
After 6 months: Interest is paid at a rate 1% lower than the rate applicable for the period the FD was held.

Renewal & Repayment

Auto-Renewal: Facility is available once. The deposit renews for the same period at the rates prevailing on maturity.
Auto-Repayment: By default, maturity proceeds are credited to your registered bank account via electronic transfer.

Taxation & Compliance

Interest earned is fully taxable. An investment for a 5-year tenure qualifies for tax deduction up to ₹1,50,000 under Section 80C.

TDS (Tax Deducted at Source) Rules

TDS is deducted if annual interest income exceeds ₹40,000 (or ₹50,000 for senior citizens). To avoid TDS, submit Form 15G/15H.

⚠️ Critical: PAN Card is Mandatory

Failure to provide PAN results in a TDS rate of 20% instead of 10%, potential denial of TDS credit, and voids Form 15G/H.

Frequently Asked Questions (FAQs)

Question	Answer
What are the scheme types available?	You can choose between Cumulative (interest compounded and paid at maturity) and Non-Cumulative (interest paid monthly or yearly).
Is there a maximum investment limit?	No, but minimums apply: ₹20,000 for yearly/cumulative and ₹2,00,000 for monthly payout options.
What benefit do senior citizens get?	Senior citizens (60+) get an extra 0.25% p.a. interest on deposits up to ₹20 crore.
Can I get a loan against the FD?	Yes, up to 75% of the deposit amount after 3 months. Not for minors or NRIs.
How do joint accounts work?	Up to three members can hold a joint account, but all payments are made to the first-named depositor.
What if I withdraw after 4 months?	For withdrawals between 3-6 months, individuals get only 3% p.a. interest. Other depositors get no interest.
What if I don't provide my PAN?	TDS is deducted at a higher rate of 20% instead of 10%, and other complications arise.
Is there a tax-saver option?	Yes, the 5-year tenure option qualifies for tax savings under Section 80C.

Disclaimer: This calculator provides estimates for informational purposes only. Actual returns may vary. Please verify current rates and terms directly with LIC HFL before investing.