What is a Pension Fund Manager (PFM)? NPS Returns of LIC PFM: Scheme-Wise Performance Key Features of LIC Pension Fund Ltd. Benefits of Choosing LIC Pension Fund Ltd. |
The National Pension System (NPS) is a savings plan for retirement that helps people create a fund for their later years. It’s managed by the Pension Fund Regulatory and Development Authority (PFRDA) and is open to all Indian citizens. LIC Pension Fund Ltd. is one of the well-known fund managers in NPS, offering people different ways to invest their money for the future.
This blog gives you a clear look at LIC Pension Fund Ltd.’s pension returns, how it performs, its features, and the benefits it provides to help you plan for retirement.
| Also Read: HDFC NPS Benefits |
What is a Pension Fund Manager (PFM)?
A Pension Fund Manager (PFM) like LIC Pension Fund Ltd. manages your retirement savings. It puts your money into stocks, bonds, government securities, and other options. LIC Pension Fund Ltd., approved by the PFRDA, spreads your money across Equity (stocks), Corporate Bonds, Government Securities, and Alternative Investments. This helps your savings grow over time.
The goal is to earn good returns while protecting your money from big risks. LIC Pension Fund Ltd. works to balance growth and security, following strict rules to protect your savings.
NPS Returns of LIC PFM: Scheme-Wise Performance
Here’s a simple breakdown of how different schemes from LIC PFM have performed:
Table 1: Scheme E - Tier 1 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 2.05% | 11.29% | 25.70% | 12.83% |
Disclaimer: The data reflects the performance of schemes managed by LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 2: Scheme E - Tier 2 (Equity)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 2.21% | 10.89% | 25.63% | 11.12% |
Disclaimer: The data reflects the performance of schemes managed by the LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
| Also Read: Understand NPS Tiers |
Table 3: Scheme G - Tier 1 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 11.48% | 8.73% | 7.61% | 9.95% |
Disclaimer: The data reflects the performance of schemes managed by the LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 4: Scheme G - Tier 2 (Government Securities)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 11.59% | 8.82% | 7.56% | 10.15% |
Disclaimer: The data reflects the performance of schemes managed by the LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 5: Scheme C - Tier 1 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.36% | 7.03% | 7.71% | 9.06% |
Disclaimer: The data reflects the performance of schemes managed by LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Table 6: Scheme C - Tier 2 (Corporate Bonds)
| Year | Returns 1 Year | Returns 3 Years | Returns 5 Years | Returns Inception |
| Returns | 9.23% | 6.93% | 8.06% | 8.61% |
Disclaimer: The data reflects the performance of schemes managed by LIC PFM as of April 04, 2025. Returns are subject to market fluctuations. Past performance does not guarantee future results.
Key Features of LIC Pension Fund Ltd.
Here are some essential things about LIC Pension Fund Ltd.:
- Fund Management Approach: LIC PFM follows a diversified strategy, allocating funds across equity, bonds, and government securities, balancing risk and return based on market trends and NPS guidelines.
- AUM Growth Over Time: The company’s total income rose 18% to ₹13,384.81 Lakh from ₹11,301.83 Lakh, driven by higher AUM and management fees. Profit before tax was ₹7,810.77 Lakh, and after-tax, ₹5,796.30 Lakh. Net worth increased to ₹20,173.91 Lakh from ₹15,377.61 Lakh.
| Also Read: Explore SBI NPS |
Benefits of Choosing LIC Pension Fund Ltd.
LIC Pension Fund Ltd. has some significant advantages for NPS users. Here’s why it stands out:
- Good Returns: One of the best things about LIC Pension Fund Ltd. is its strong returns, especially in equity schemes. It often does better than others, allowing you to grow your retirement money over time.
- Trusted Name: With LIC’s long history in insurance and savings, you get peace of mind knowing your pension is with a reliable company. This trust makes it a safe and steady choice for planning your future.
Why Choose LIC Pension Fund Ltd.?
- LIC Pension Fund Ltd. is a smart pick if you want a mix of growth and safety for your retirement. It spreads your money across equity, bonds, and government securities, matching your risk level for good, long-term results.
- It also keeps costs low, so more of your savings stay with you instead of going to fees. Plus, being part of LIC brings years of experience and trust, ensuring your money is in good hands.
- You can also change your investment options as your needs shift over time. This flexibility and strong performance make LIC Pension Fund Ltd. a solid choice for building a secure retirement fund.
| Also Read: NPS Investment Guide |
Conclusion
LIC Pension Fund Ltd. is a dependable option for NPS users who want a balanced way to save for retirement. It offers flexible investments in equity, corporate bonds, government securities, and more, helping your money grow while keeping risks in check. With good returns, low costs, and the trust of the LIC brand, it’s a practical choice for today’s savers. LIC Pension Fund Ltd. is worth considering if you’re looking for a reliable and strong retirement plan.
FAQs
1. What are Scheme E - Tier 1 returns with LIC Pension Fund Ltd.?
As of April 04, 2025, Scheme E - Tier 1 (Equity) gives a 1-year return of 2.05%, a 3-year return of 11.29%, a 5-year return of 25.70%, and an inception return of 12.83%.
2. Is LIC Pension Fund Ltd. a safe choice?
It’s safe because it’s part of the Life Insurance Corporation of India (LIC), a trusted name for many years. It’s also regulated by the PFRDA, ensuring your money is handled properly.
3. Can I change how my money is invested with LIC Pension Fund Ltd.?
Yes, you can adjust your investment choices over time. If your needs or comfort with risk change, LIC Pension Fund Ltd. lets you tweak your plan to match.
4. How does Scheme G - Tier 1 perform with LIC Pension Fund Ltd.?
As of April 04, 2025, Scheme G - Tier 1 (Government Securities) has a 1-year return of 11.48%, a 3-year return of 8.73%, a 5-year return of 7.61%, and an inception return of 9.95%.
5. How does Scheme C - Tier 2 perform with LIC Pension Fund Ltd.?
As of April 04, 2025, Scheme C - Tier 2 (Corporate Bonds) offers a 1-year return of 9.23%, a 3-year return of 6.93%, a 5-year return of 8.06%, and an inception return of 8.61%.
