Government Extends LC-75 and BLC Options to Central Employees under NPS and UPS

The Finance Ministry expanded investment choices for Central Government employees under NPS and UPS from October 24, 2025. New options include the Default Scheme, Scheme G, LC-25, LC-50, LC-75, and the Balanced Life Cycle (BLC) model. The BLC gradually reduces equity exposure before retirement, ensuring parity with private NPS investors. LC-75 targets high-risk investors while the BLC balances growth and stability.