The Central government has authorized the extension of LC75 (Lifecycle Fund 75) and BLC (Balance Lifecycle Fund) investment options to Central Government Employees in the National Pension Scheme (NPS) and the Unified Pension Scheme (UPS) in order to increase flexibility and lessen limitations on equity exposure.
The BLC investment option maintains a balanced mix of stock, corporate bonds, and government securities throughout the course of a person’s career, while the LC75 is a high equity investment option under NPS that permits investments of up to 75% of a pension contribution in equity funds.
With this expansion, central employees will have more freedom and alternatives to invest their NPS and UPS retirement funds in high-yield assets like stocks.
By age 55, equity allocation automatically decreases to 35% for BLC and 15% for LC75, providing protection against significant market swings as retirement draws near.
Employees of the Central Government may now choose from a variety of investment alternatives under NPS and UPS:
Default option: An investing “default pattern” that is periodically specified by the Pension Fund Regulatory and Development Authority (PFRDA).
Scheme G: a 100% government securities investment with set returns and little risk.
LC-25: A 25% maximum equity allocation that progressively decreases between the ages of 35 and 55.
LC-50: A 50% maximum equity allocation that progressively decreases between the ages of 35 and 55.
With equity allocation tapering starting at age 45, the Balanced Life Cycle (BLC) is a modified version of the LC50 that allows workers to stay invested in stocks for an extended length of time if they so want.
LC75: A maximum 75% equity allocation that progressively decreases between the ages of 35 and 55.
UPS: What Is It?
Under the National Pension System (NPS), the Indian government has made it possible for central government workers to choose the Unified Pension Scheme (UPS). After they retire, UPS enables them to get a guaranteed compensation. The UPS went into service on April 1st, 2025.
In essence, UPS is a fund-based payout system that depends on the timely and consistent collection and investment of eligible contributions from the employer (the Central Government) as well as the employee in order to provide the retiree with a monthly payment.
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Your Daily Horoscope For Sunday, October 26, 2025
