LIC Balanced Fund

What is LIC Balanced Fund?

LIC Balanced Fund is a market-linked investment option available under select LIC ULIP plans. The fund invests in a combination of equities and debt securities to provide balanced returns with comparatively lower volatility than pure equity funds. The equity component focuses on long-term capital appreciation, while the debt allocation aims to provide stability and reduce market-related risk.

Since LIC Balanced Funds are linked to market performance, their Net Asset Value (NAV) changes according to market conditions and LIC of India performance. These funds are generally suitable for investors with a moderate risk appetite who prefer balanced exposure to growth-oriented and fixed-income investments while also receiving life insurance coverage through ULIP plans.

Investors searching for hybrid investment strategies also often compare these ULIP funds with the LIC MF Balanced Advantage Fund, a popular hybrid mutual fund offering dynamic asset allocation between equity and debt instruments.

Features of LIC Balanced Fund

LIC Balanced Funds are designed to provide diversified market exposure through a balanced investment strategy that combines growth potential and portfolio stability.

• Balanced Asset Allocation: Investments are distributed between equities and debt instruments for diversified exposure.

• Market-Linked NAV: Fund performance is reflected through daily NAV movements based on market conditions.

• Professional Fund Management: Experienced fund managers actively manage the portfolio and asset allocation strategy.

• Fund Switching Facility: Investors can switch between available fund options according to financial goals and risk preferences.

• Flexible Premium Payment Options: Depending on the ULIP plan, investors can choose between single-premium and regular premium payment modes based on their financial planning needs.

• Moderate Risk Profile: Similar to a LIC Balanced Advantage Fund, these funds aim to balance growth opportunities with relatively controlled volatility.

LIC Plans Offering Balanced Fund Option

The Balanced Fund LIC policies are ULIP plans designed for investors seeking a middle ground between aggressive equity exposure and stable debt-oriented investments.

LIC Nivesh Plus 749

LIC Nivesh Plus plan 749 is a single-premium ULIP that offers multiple market-linked investment options, including the Balanced Fund. The plan is suitable for investors seeking moderate-risk long-term investments with diversified asset allocation. The current LIC Nivesh Plus Balanced Fund NAV is approximately Rs 18.2422 as on 25-May-2026.

LIC SIIP 752

LIC SIIP 752 is a regular premium ULIP that combines life insurance coverage with long-term investment opportunities. Its Balanced Fund option provides a mix of equity and debt exposure to help maintain portfolio stability while supporting capital appreciation. The LIC SIIP Balanced Fund NAV is Rs 18.2422 as of 25-May-2026.

LIC Protection Plus 880

LIC Protection Plus plan 880 also offers Balanced Fund options for investors seeking diversified market participation with insurance protection. The fund allocation strategy focuses on balancing long-term growth opportunities with comparatively lower investment volatility through debt exposure.

Benefits of LIC Balanced Fund

LIC Balanced Funds help investors maintain a balance between long-term wealth creation and controlled market exposure through diversified investments.

• Moderate Risk Profile: Debt allocation helps reduce volatility compared to pure equity-oriented funds.

• Long-Term Capital Appreciation: Equity investments provide opportunities for long-term portfolio growth.

• Insurance and Investment Benefits: ULIP-based Balanced Funds combine life cover with market-linked investments.

• Better Portfolio Stability: Diversification across asset classes helps manage market fluctuations more effectively.

• Suitable for Conservative Equity Investors: Ideal for investors seeking balanced returns without aggressive market exposure.

LIC Balanced Fund in Mutual Fund Category

Apart from ULIP-based Balanced Fund options, LIC Mutual Fund also offers hybrid mutual fund schemes for diversified market exposure. One of its key offerings is the LIC MF Balanced Advantage Fund, a dynamic asset allocation fund investing across equity, debt, and money market instruments.

The fund currently manages assets worth nearly Rs 681 crores with an allocation of around 57% equity, 17% debt, and 25% cash equivalents. It has delivered approximately 6.8% CAGR over the last three years. The minimum investment starts at Rs 5,000 lump sum or Rs 500 through SIP.

Summing Up

LIC Balanced Funds available through LIC Nivesh Plus, LIC SIIP, and LIC Protection Plus offer diversified investment exposure through a mix of equity and debt instruments. These ULIP-based funds are suitable for investors seeking moderate-risk wealth creation opportunities along with life insurance protection and long-term financial stability.

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