LIC Pention- Investment Options

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NAV as on 2025-11-Jul : LIC Pension Fund Scheme Central Govt.- 48.11 LIC Pension Fund SG Scheme State Govt. - 42.807 NPS LITE -Govt.pattern- 39.8162 LIC Pension Fund Scheme Corporate CG- 31.7509 LIC PENSION FUND SCHEME E - TIER I- 45.4742 LIC PENSION FUND SCHEME C - TIER I- 28.2869 LIC PENSION FUND SCHEME G - TIER I- 30.6097 LIC PENSION FUND SCHEME A - TIER I- 19.4296 LIC PENSION FUND SCHEME E - TIER II- 37.8812 LIC PENSION FUND SCHEME C - TIER II - 26.831 LIC PENSION FUND SCHEME G - TIER II- 31.1986 LIC PENSION FUND SCHEME A - TIER II- 10 LIC PENSION FUND ATAL PENSION YOJANA SCHEME- 24.5667 LIC PENSION FUND SCHEME TAX SAVER -TIER 2- 14.8133 NPS TRUST-A/C LIC PENSION FUND SCHEME-NPS TIER-II COMPOSITE - 10.9390 LIC Pension Fund - UPS CG Scheme - 10.1413

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Investment Options under New Pension System:

For All Citizens and corporate scheme subscribers:

Under the investment guidelines finalized for NPS, pension fund managers will manage four separate schemes, each investing in a different asset class. The schemes and asset classes are as follows:

Asset Class E	Equity market instrument
Asset Class C	Fixed income instruments other than Government securities
Asset Class G	Government securities.
Asset Class A	Alternative Investment Schemes

The subscriber can choose between active choice and auto choice for asset allocation of their funds. In Active choice, Subscriber selects the allocation percentage in assets classes, however, in Auto choice, funds are automatically allocated amongst asset classes in a pre-defined matrix, based on the age of the subscriber.

Active Choice:

The subscriber has the option to actively decide as to how their funds are to be invested among four asset classes:

Asset Class E	Equity market instrument	Upto 75% of funds**
Asset Class C	Fixed income instruments other than Government securities	Upto 100% of funds
Asset Class G	Government securities.	Upto 100% of funds
Asset Class A	Alternative Investment Schemes	Upto 5% of funds

** Maximum equity allowed restricted to 75% till age 50 and reducing 2.5% every year thereafter. Cap for equity is 50% of contribution for subscribers aged 60 and above.

Auto Choice:

The subscriber can exercise the option of ‘Auto choice’ and the contribution will be invested in accordance with the ‘Auto choice’ option. In this option the investment will be determined by a predefined portfolio (which changes as per age of subscriber).

Depending upon the risk appetite of subscriber, there are three different options available within Auto Choice - Aggressive, Moderate and Conservative.

Aggressive (LC-75) – Maximum Equity exposure is 75% up to the age of 35 and gradually reduces as per the age of the subscriber
Moderate (LC-50) - Maximum Equity exposure is 50% up to the age of 35 and gradually reduces as per the age of the subscriber
Conservative (LC - 25) – Maximum Equity exposure is 25% up to the age of 35 and gradually reduces as per the age of the subscriber

The default auto choice if the subscriber is not choosing any of the above option is Moderate life Cycle Fund.

Indicative investment pattern for Moderate Life Cycle Fund (LC-50) :

At the lowest age of entry (18 years) the auto choice will entail investment of 50 % of funds in “E” Class, 30% in “C” Class and 20% in “G” Class. The ratios of investment will remain fixed for all contributions until the participant reaches the age of 36. From age 36 onwards, the weight in “E” and “C” asset class will decrease annually and the weight in “G” class will increase annually till it reaches 10% in “E”, 10% in “C” and 80 % in “G” class at age 55 as in the Table below :

Age	Asset Class E	Asset Class C	Asset Class G
up to 35 years	50%	30%	20%
36 years	48%	29%	23%
37 years	46%	28%	26%
38 years	44%	27%	29%
39 years	42%	26%	32%
40 years	40%	25%	35%
41 years	38%	24%	38%
42 years	36%	23%	41%
43 years	34%	22%	44%
44 years	32%	21%	47%
45 years	30%	20%	50%
46years	28%	19%	53%
47 years	26%	18%	56%
48 years	24%	17%	59%
49 years	22%	16%	62%
50 years	20%	15%	65%
51 years	18%	14%	68%
52 years	16%	13%	71%
53 years	14%	12%	74%
54 years	12%	11%	77%
55 years	10%	10%	80%

For Govt. sector schemes :

NPS funds are invested by the Pension Fund Managers in prescribed asset class as per following investment pattern:

Govt. Securities & related investments	Upto a maximum of	55%
Debt Instruments & related investments	Upto a maximum of	45%
Equity & related investments	Upto a maximum of	15%
Asset Backed, Trust Structured and Misc. Investments	Upto a maximum of	5%
Short-term Debt Instruments & related investment	Upto a maximum of	10%