NPS Rules Change: Big decision of Finance Ministry, employees will get 2 new investment options, know the benefits.
NPS New Investment Options: The Union Finance Ministry has simplified the rules of National Pension Scheme (NPS) for the employees of Central Autonomous Bodies (CABs). Now these employees will get two new investment options. ‘Aggressive Life Cycle Fund’ and ‘Balanced Life Cycle Fund’.
Two new options will be available in NPS investment
Finance Ministry Expands Investment Options: The Union Finance Ministry has simplified the National Pension Scheme (NPS) rules for the employees of Central Autonomous Bodies (CABs). Now these employees will get two new investment options. ‘Aggressive Life Cycle Fund’ and ‘Balanced Life Cycle Fund’. Earlier this facility was only for direct employees of the Central Government. The main advantage of this change is that employees will now be able to choose pension funds according to their risk and financial goals, which will help them in better retirement planning. In such a situation, let us know about these two options in detail.
What is the specialty of LC-75 fund?
The biggest feature of LC-75-High (Aggressive Life Cycle Fund) is that in it maximum 75 percent of your money is invested in the stock market. This option is best for those employees who can take a little more risk and want to earn big profits on their money in the long run. In simple words, this fund gives you an opportunity to increase your pension amount rapidly with the help of the stock market.
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How are BLC funds beneficial for investors?
‘Balanced Life Cycle Fund’ now named ‘LC-50’ is a safe option for those employees who do not want to take much risk. In this, the maximum limit of investment in the stock market has been fixed at 50 percent. The specialty of this fund is that after the age of 45 years, the share of the stock market in it gradually starts decreasing. This also provides security to the investor’s money and provides stability with increasing age as well as good profits.
New NPS option for cabs employees
The Department of Expenditure of the Finance Ministry has implemented the notification of 13 November 2025 for the Central Autonomous Bodies through an office memorandum issued on 1 July 2026. Under this, additional investment options under NPS (such as LC-75 and LC-50) have now been officially implemented for employees.
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