Earning ₹6,500 per month on an investment of ₹1 lakh? Know the whole truth of this claim viral on social media:

Lucknow. Life Insurance Corporation of India (LIC) has been another name of trust for Indian families for decades. But in recent times, such a claim is becoming increasingly viral on the internet and social media, which is giving golden dreams to the investors. It is being claimed that by depositing just ₹ 1 lakh in a special scheme of LIC, you can earn a fixed income of ₹ 6,500 every month. Let us examine this claim in detail in the reporter style of Amar Ujala and know what is the reality.

Mathematics of the claim: Is 78% return on ₹1 lakh possible?

If we analyze this claim, ₹6,500 monthly income means you will get returns of ₹78,000 in a year. Getting ₹78,000 on investment of ₹1 lakh i.e. Annual return of 78%.

According to economic experts and regulations of financial institutions, it is practically impossible for any regulated institution in India to give such high returns. For comparison see:

Bank FD: 6% to 7.5%

PPF: 7.1%

LIC Pension Schemes: 5% to 7.5% (approximately)

The truth is that the claim of ₹6,500 monthly income on an investment of ₹1 lakh is completely misleading and false.

Actual status of LIC pension schemes

LIC actually operates many great pension plans (Annuity Plans), but their rates of return are based on the real market:

LIC Jeevan Akshay and Saral Pension: These are such schemes where you can deposit a lump sum and get pension throughout your life. If you invest ₹1 lakh in these, depending on your age you will get ₹500 to ₹700 per month Can get pension up to Rs.

Pradhan Mantri Vaya Vandana Yojana (PMVVY): This government scheme for senior citizens gives an annual return of about 7.4%. Here at an investment of ₹ 1 lakh around ₹617 monthly pension Is available.

How to avoid misleading advertisements?

People are often lured through ‘clickbait’ headlines on the Internet. In such a situation, investors should keep these 4 things in mind:

Official Confirmation: Before investing money in any scheme, visit the official website of LIC. www.licindia.in Check information on.

Agent Verification: Discuss the policy only with an authorized LIC agent or by visiting the branch directly.

Terms and Conditions: Read the documents carefully before signing in the name of ‘Guaranteed Income’.

Abnormal Returns: If a scheme promises 10 times more returns than a bank or post office, then understand that it may be fake.

Why is it still wise to invest in LIC?

Even if ₹1 lakh doesn’t yield ₹6,500 a month, investing in LIC has its own solid benefits:

Government Guarantee: LIC is backed by the government, so your principal remains completely safe.

Tax exemption: Under Section 80C, tax benefits are available on investment and the amount received on maturity.

Life Cover: Along with investment, the family also gets the protection of life insurance, which is rarely seen in other savings plans.