For individuals seeking a dependable investment plan that merges security with steady growth, the LIC Gram Suraksha Yojana stands out as a great choice. This scheme from the Life Insurance Corporation of India offers a combination of life insurance protection and assured returns, making it ideal for those who wish to safeguard their family’s future while steadily growing their savings. With a small monthly investment of ₹5,000, policyholders can receive an impressive maturity value of up to ₹31 lakh after the policy term making it a trusted option for long-term financial goals.
What is LIC Gram Suraksha Yojana
The Gram Suraksha Yojana is a special rural-oriented savings and insurance scheme launched by LIC. It is structured to provide financial protection to families in case of the policyholder’s death and also guarantees a lump-sum amount at maturity. The plan’s primary aim is to help individuals, especially those from rural and semi-urban areas, develop a disciplined saving habit while enjoying life insurance coverage.
Through consistent premium payments, investors can build a strong financial corpus over time. The plan not only offers guaranteed benefits but also includes yearly bonuses declared by LIC, which increase the overall returns.
Investment Example and Expected Returns
If an individual invests ₹5,000 per month under the Gram Suraksha Yojana for 20 years, the maturity amount could reach approximately ₹31 lakh. The actual amount depends on LIC’s bonus rates and policy term. The total maturity value consists of the assured sum plus accumulated bonuses declared during the policy period.
Key Features of the Scheme
- Life insurance protection for the entire policy duration
- Guaranteed maturity benefit including sum assured and bonuses
- Flexible premium payment choices – monthly, quarterly, or annually
- Loan facility available against the policy
- Nomination option to secure the family’s financial future
- Tax savings available under Section 80C and Section 10(10D) of the Income Tax Act
Eligibility and Entry Age
The LIC Gram Suraksha Yojana is open to applicants aged between 19 and 55 years. The minimum sum assured starts at ₹10,000, and there is no upper limit, allowing flexibility for investors across different income groups. This inclusivity makes the plan ideal for both small and moderate investors.
Benefits of the LIC Gram Suraksha Yojana
This plan delivers both protection and savings benefits, ensuring the investor’s peace of mind. Some of the major advantages include:
- Dual benefit of insurance and investment
- Guaranteed and stable returns not affected by market changes
- Financial protection for the family in case of the policyholder’s demise
- Suitable for rural and semi-urban investors with limited access to other saving options
Stability and Reliability of the Plan
The Gram Suraksha Yojana offers a steady and predictable growth path since it is not linked to market performance. It is an excellent option for risk-averse individuals who prioritize safety and consistency in their investments. LIC’s long-standing credibility further enhances the trust and reliability associated with this plan.
LIC Gram Suraksha Yojana 2025 Summary Table
| Particulars | Details |
|---|---|
| Scheme Name | LIC Gram Suraksha Yojana 2025 |
| Monthly Investment | ₹5,000 |
| Policy Term | 20 Years (Flexible options available) |
| Expected Maturity Amount | Approx. ₹31 Lakh |
| Minimum Entry Age | 19 Years |
| Maximum Entry Age | 55 Years |
| Minimum Sum Assured | ₹10,000 |
| Maximum Sum Assured | No Limit |
| Premium Payment Mode | Monthly / Quarterly / Yearly |
| Loan Facility | Available |
| Tax Benefits | Section 80C & 10(10D) |
| Plan Type | Savings + Insurance |
Conclusion
The LIC Gram Suraksha Yojana 2025 provides an excellent opportunity for individuals who want to secure their family’s financial future while building long-term wealth. With the convenience of small monthly payments and the promise of assured returns, this plan ensures both protection and growth. It is particularly suited for those who prefer guaranteed income options over market-linked risks and want a stable financial foundation for the future.
Disclaimer
The information presented here is for educational purposes only and should not be considered as investment advice. The maturity amount and benefits mentioned are indicative and depend on LIC’s declared bonuses and policy terms. Investors are advised to contact an authorized LIC representative or visit the official LIC website for accurate and updated information before making any investment decisions. Terms and conditions apply.
