LIC’s New 5-Year Plan The Life Insurance Corporation of India (LIC) has always been a trusted source of safe investment and insurance. Recently, a new LIC plan has gained widespread attention on social media and various platforms, claiming that investing just ₹12,000 for five years will yield a return of ₹75,000 upon maturity. This claim is very attractive, especially for those looking for high returns with a low investment. But has LIC really come up with such a plan? And can it be trusted?
This article provides key details of this plan, investment terms, benefits, and a reality check in simple and easy-to-understand.
Key Points About LIC’s New 5-Year Plan
The highlight of this plan is that a low investment ₹12,000 can yield exceptionally high returns (₹75,000) within five years. The plan is being touted as a savings and investment option that also boasts additional benefits such as life insurance protection and loan facilities.
LIC’s New 5-Year Plan Although no such new plan is currently available on LIC’s official website or government sources, the plan is being promoted on social media using the LIC name. However, the plan’s details, investment rules, returns calculations, and comparisons with LIC’s regular premium plans are provided in the table below.
| Subject | Details |
| Plan Name | LIC’s New 5-Year Plan (Claim) |
| Investment Amount | ₹12,000 (Total Investment for Five Years) |
| Claim Return Amount | ₹75,000 (Receipt after 5 Years) |
| Estimated Annual Return (%) | Approximately 35% (considered impossible) |
| Insurance Coverage | Includes life insurance cover as per claim |
| Loan Facility | Provides loan facility after 3 months |
| Eligibility | Indian citizens between 18 and 40 years of age |
| LIC’s Traditional Rate of Return | Approximately 6% to 7% per annum (in government schemes) |
| Validity of the scheme | Not yet included in LIC’s official list |
Benefits and Features of the Plan
- Low Investment, High Returns: Investors are attracted by the promise of ₹75,000 with just ₹12,000 investment.
- Loan Facility: The option to take a loan within a few months of investment is claimed, which can be useful for emergency needs.
- Life Insurance Protection: The plan’s claimed life insurance cover provides investors with assurance of security.
- Simple Eligibility: Indian citizens between 18 and 40 years of age can avail of this plan.
Mathematical Analysis of Investment
If it were possible to earn ₹75,000 in 5 years on an investment of ₹12,000, it would mean an annual LIC’s New 5-Year Plan return of approximately 35%. For a government company like LIC, where traditional plans offer average returns of 6-7%, a 35% annual return seems impossible and impractical. This suggests that this claim is either based on misinformation or may be completely false.
LIC’s Traditional 5-Year Plans
LIC has several 5-year plans that offer safe investments and moderate returns. Some of the major plans are as follows:
| Plan Name | Investment Term | Estimated rate of return | Features |
| LIC’s Wealth Saving Plan | 5 years | Around 6-7% | Regular premiums, secure |
| LIC Jeevan Lakshya Plan | 5 to 10 years | Around 6-7% | With life insurance protection |
| LIC Jeevan Utsav Plan | Continuous Term | Around 6-7% | Life insurance and savings options |
| LIC New Endowment Plan | 5 to 15 years | Around 6-7% | Bonuses, secure money back |
These plans are considered safe and reliable for the long term, and their returns are determined by government regulations.
Conclusion and Important Advice
The LIC’s “New 5-Year Plan,” described in this article, which promises a return of ₹75,000 on an investment of ₹12,000, is being discussed on social media, but no official details or plan information are available on LIC’s official website. Generally, a government agency like LIC does not guarantee such high and extraordinary returns.
Therefore, it is important to be cautious about this plan. Avoid false or misleading information and only seek information about plans from LIC’s official website or trusted government sources.
Disclaimer: LIC’s New 5-Year Plan This plan has gone viral on social media, but it is not an official plan from LIC. The claim of a return of ₹75,000 on an investment of ₹12,000 seems mathematically impossible and unrealistic. Traditional plans issued by LIC offer returns of around 6-7% annually. Therefore, do not believe such rumors and always verify the scheme with the official LIC website or government information before investing. To avoid misinformation, rely only on official LIC sites and sources. For any information related to this scheme, contact only the government website or an authorized LIC agent.
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My name is Anaya Afrin, the founder of Seekho Smart. I built this platform to make knowledge simple, clear, and truly useful for students and readers everywhere. With over 6 years of blogging experience, I’ve learned how to turn complex topics into easy guides that inspire learning. Through my writing, I aim to share practical knowledge that not only informs but also empowers people to grow and achieve their goals.