LC75 and BLC options for central employees under NPS/UPS
Next story · 24 OctINS Vikrant: 76% indigenous content
Asked by UPSCPrelims 20171 PYQ
UPSC has already asked about this. Read the story with these questions in mind.
What happened
- The government extended the LC75 and Balanced Life Cycle investment options to central employees under NPS and the Unified Pension Scheme [PIB].
- Other options include the default pattern, Scheme G (100% G-secs) and LC-25 (max 25% equity) [PIB].
Background
- Employees had asked for choices similar to non-government subscribers [PIB].
Why it matters
- More equity can mean higher pensions but more risk near retirement.
How to use this in Mains
- As per PIB (2025-10-24): the government extended the LC75 and Balanced Life Cycle investment options to central employees under NPS and the Unified Pension Scheme.
- More equity can mean higher pensions but more risk near retirement.
Quotable data pointOther options include the default pattern, Scheme G (100% G-secs) and LC-25 (max 25% equity).
PIB: Finance: LC75 and BLC for central employees, 24 Oct 2025
Exam angle
UPSC
Prelims: UPS.
Practice MCQs
Original practice questions (not PYQs).
Practice · UPSC
LC75 means maximum equity of
Answer (c) & explanation
PIB.
Practice · UPSC
Scheme G invests in
Answer (a) & explanation
PIB.
Practice · UPSC
Schemes covered
Answer (a) & explanation
PIB.
Go deeper
Official source: PIB: Finance: LC75 and BLC for central employees, 24 Oct 2025
facts from cited sources only; faculty review pending