Eligible Central Autonomous Body employees can soon choose from two additional NPS investment options.
If you are covered under the National Pension System (NPS), soon you will have access to two additional pension investment choices.
The Government of India has extended investment options that were previously available only to Central Government employees, giving you greater flexibility in how your retirement savings are invested.
The Department of Expenditure, Ministry of Finance, issued an Office Memorandum on 1 July 2026 extending the applicability of a Department of Financial Services notification dated 13 November 2025. The additional investment choices will be made available through the Central Recordkeeping Agency (CRA) system.
What has changed?
You can now choose from two additional life cycle investment options.
Investment option | Key features |
LC-75-High (formerly Aggressive Life Cycle Fund – LC-75) | Allows equity exposure of up to 75% for subscribers seeking higher long-term growth potential. |
Aggressive Life Cycle Fund (formerly Balanced Life Cycle Fund – BLC) | Caps equity exposure at 50%, with the equity allocation gradually reducing from the age of 45 years to provide a balance between growth and stability. |
What does this mean for NPS subscribers?
The additional investment choices give you more flexibility to select a pension investment option that aligns with your risk appetite, financial goals and retirement planning needs.
If you are comfortable with a higher level of equity exposure then you can opt for LC-75-High, while those looking for a more balanced approach can choose the Aggressive Life Cycle Fund.
Summary
The extension brings you in line with Central Government employees by offering additional investment choices. Once available through the CRA system, you will be able to select the option that best matches your retirement planning preferences.
