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LIC NPS Fund
LIC NPS Fund, managed by LIC Pension Fund Ltd., is a government-regulated retirement savings scheme under the National Pension System (NPS). It allows individuals to invest systematically in a diversified portfolio comprising equity, bonds, and government securities, aiming for long-term growth and secure retirement. LIC's expertise and trusted legacy make this fund a reliable choice for building a retirement corpus.
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Peaceful Post-Retirement Life
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Tax Free Regular Income
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Wealth Generation to beat Inflation
- 4.8++ Rated
- 13.2 Crore Registered Consumer
- 53 Partners Insurance Partners
- 6.29 Crore Policies Sold
We are rated++
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Start Investing ₹10k/Month & Build a corpus of ₹1 Crore# on Retirement
Highlights of the LIC NPS Fund
Below are the highlights of the NPS fund by LIC:
| Particulars | Details |
| Assets (Rs. in crore) | 1,819.06 |
| Scheme Inception Date | 4-Oct-10 |
| Top 3 Sectors | Government Securities; Monetary Intermediation of Banks; Other Credit Granting |
| Returns Since Inception | 9.60% |
Sector-wise Holdings of LIC Pension Fund NPS
| Sector | Fund (%) |
| Financial | 30.58 |
| Technology | 13.15 |
| Energy & Utilities | 12.82 |
| Consumer Discretionary | 10.76 |
| Consumer Staples | 9.26 |
| Industrials | 8.98 |
| Materials | 6.63 |
| Healthcare | 5.54 |
| Unspecified | 1.34 |
| Real Estate | 0.53 |
| Diversified | 0.43 |
Asset Allocation of LIC Pension Fund NPS
Below is the asset allocation of the LIC NPS Fund:
| Particulars | Details |
| Equity | 98.66% |
| Debt | 0.82% |
| Cash & Cash Eq. | 0.52% |
Top Holdings of LIC NPS Fund
| Company Name | P/E Ratio | Assets (%) |
| HDFC Bank | 21.04 | 7.97 |
| ICICI Bank | 18.97 | 6.90 |
| Reliance Industries | 23.31 | 6.17 |
| Larsen & Toubro | 31.76 | 3.94 |
| State Bank of India | 10.02 | 3.80 |
| Bharti Airtel | 33.71 | 3.79 |
| Infosys | 22.84 | 3.34 |
| ITC | 14.70 | 2.79 |
| Axis Bank | 12.72 | 2.74 |
| Tata Consultancy | 22.62 | 2.27 |
| Ultratech Cement | 53.42 | 2.00 |
| NTPC | 13.68 | 1.93 |
| Kotak Mahindra Bank | 21.10 | 1.89 |
| Hindustan Unilever | 56.02 | 1.78 |
| Bajaj Finance | 35.86 | 1.78 |
| Mahindra & Mahindra | 32.61 | 1.71 |
| Maruti Suzuki India | 34.53 | 1.58 |
| Sun Pharmaceutical Industries | 38.08 | 1.47 |
| Bharat Electronics | 54.00 | 1.33 |
| Power Grid Corporation Of India | 17.30 | 1.22 |
| HCL Technologies | 22.97 | 1.19 |
| Tata Steel | 47.03 | 1.12 |
| Hindalco Industries | 9.92 | 1.07 |
| Cipla | 23.41 | 1.05 |
| Max Healthcare Institute | 99.16 | 1.00 |
As on 31-Aug-2025
P/E Ratio: Price-to-Earnings ratio
LIC Pension Fund NPS Returns
| Period Invested for | Absolute Returns | Annualised Returns |
| 1 Month | 2.70% | - |
| 3 Month | 3.10% | - |
| 6 Month | 13.00% | - |
| 9 Month | 5.10% | - |
| 1 Year | 0.60% | 0.60% |
| 2 Year | 31.90% | 14.80% |
| 3 Year | 53.90% | 15.50% |
| 5 Year | 148.20% | 19.90% |
Tax Treatment of LIC NPS Fund
Investments in the National Pension Scheme (NPS) are exempt from income tax. Additionally, you can claim extra tax deductions of up to ₹50,000 on your Tier 1 NPS contributions under Section 80CCD(1B) of the income tax.
FAQs
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Who can open an LIC NPS account?
Any Indian citizen (Resident, NRI, or OCI) between 18 and 70 years of age can open an NPS account with LIC Pension Fund, provided they comply with KYC norms and documentation requirements. -
What are the main benefits of LIC NPS Fund?
- Diversified investment with exposure to equities, bonds, and government securities.
- Low fund management charges.
- Strong historical performance and trust associated with LIC.
- Flexibility to change investments and fund managers.
- Suitable for long-term wealth creation towards retirement.
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Can a subscriber change their investment option or fund manager?
Yes, NPS subscribers can switch between Auto and Active choices. Subscribers can also change their pension fund manager (including to or from LIC Pension Fund) as per PFRDA guidelines.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.