Journal of Digital Engineering and Business Management

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Asset Allocation Strategies In Indian Insurance Sector At LIC Of India

Authors:Dr N Sangeetha, Mekala Bhanu Prasad

Abstract

The investment decisions of the Life Insurance Corporation of India (LIC), India’s greatest insurance provider, are the subject of this study. It evaluates the extent to which LIC adheres to IRDAI regulations in its investments in infrastructure initiatives, government securities, corporate bonds, and equities. The research suggests that LIC implements a prudent yet diverse investment strategy to guarantee consistent returns and safeguard policyholders. It also examines the impact of fluctuations in the stock market and economy on LIC’s portfolio strategies. Since it allocates long-term capital to industries that promote national prosperity, the data suggest that LIC is a critical component of development. The research demonstrates how LIC maintains its financial stability and longterm viability by balancing regulatory obligations, risk, and return.

Keywords

Asset Allocation, LIC (Life Insurance Corporation of India), Investment Strategy, Portfolio Management, Government Securities, Corporate Bonds

Article Information

Volume: 2
Issue: 1
Published Date: 11/03/2026
DOI: https://doi.org/10.65713/jdebmv2i176
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