Tata AIA Delivers Benchmark-Beating Fund Performance Across Its ULIP Offerings

Tata AIA Life Insurance continues to set benchmarks in fund performance through its Unit Linked Insurance Plans (ULIPs). The company’s funds have outperformed market benchmarks. This offers policyholders an ideal combination of long-term growth and life insurance protection.

Performance of Tata AIA Funds:

Last 5 Years Returns* (CAGR)
Tata AIA Funds	Fund Return (%) *	Benchmark Return (%) *
Multi Cap Fund	23.87%	15.98%
Top 200 Fund	24.31%	15.98%
India Consumption Fund	22.47%	15.98%

*Data as of February 28, 2025. Past performance is not indicative of future performance.

Fund Benchmark: Multi Cap Fund, India Consumption Fund, Top 200 Fund: S&P BSE 200.                                            

Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.

Tata AIA has established its prowess in investment-linked plans, demonstrating consistent benchmark beating fund performance. 99.93% of the company’s funds AUM is rated 4 or 5 star (on 5-year basis) by Morningstar, the globally renowned Rating Agency. This is much higher than industry average of less than 30% of funds AUM being rated 4 or 5 star.

Performance of TATA AIA’s NFO’s as of 28 Feb 2025:

Fund name	AUM (in Cr.)	Inception date	Returns since launch	Benchmark	Benchmark returns
Emerging Opportunities Fund	1518.89	31-Dec-2022	23.37%	Nifty Midcap 100 – 95% CRISIL Liquid fund index – 5%	20.66%
Dynamic Advantage Fund	194.18	31-Mar-2023	20.30 %	Nifty 50 – 50% CRISIL Composite Bond fund Index – 50%	10.74%
Sustainable Equity Fund	63.17	31-Mar-2023	17.31%	Nifty 100 ESG Index	16.77%
Small Cap Discovery Fund	966.60	24-Jul-2023	28.79%	NIFTY Small Cap 100 -100%	16.10%
Flexi Growth Fund	613.47	31-Dec-2023	6.21%	Nifty 500 Index	1.99%

Tata AIA’s offerings provide policyholders with access to high-growth equity opportunities, backed by robust life and health insurance benefits. The funds focus on high-performing stocks, offering a balance of risk and return across all market caps.

Harshad Patil, EVP & CIO of Tata AIA, said,“ In line with Tata AIA Life’s investment objective, we strive to deliver superior, consistent, and risk-adjusted long-term returns. Based on an established research process, we follow a bottom-up approach to stock picking. By doing so, we have been able to deliver outstanding fund performance across our portfolio.”

With a steadfast focus on policyholder benefits, Tata AIA Life Insurance continues to lead by delivering consistent, benchmark-beating returns and redefining life insurance through its integrated ULIP offerings.

As of 28^th February 2025, Tata AIA has grown its Assets Under Management (AUM) significantly to INR 114,905 Crores, translating to 19.70% YoY growth. This has been possible due to robust Individual New Business Premium income and exceptional investment performance.

How Tata AIA NFOs have performed during the market Volatility:

Incident	Name of Fund	Amount Invested (INR)	Fund value as on 28 Feb’25 (INR	Return as on 28Fen’25
Lehman Brothers crisis in 2008	Top 200	1,00,000 in Feb 2009	14,99,679	18.44%
Demonetization in 2016	Top 200	1,00,000 in Dec 2016	4,67,891	18.70%
	Multi Cap Fund	1,00,000 in Dec 2016	5,34,102	20.46%
COVID-19 epidemic in 2020	Top 200	1,00,000 in Mar 2020	4,36,190	34.26%
	Multi Cap Fund	1,00,000 in Mar 2020	4,33,517	34.09%

How investments made in Tata AIA fund during the Market volatilities have resulted in superior investment returns:

Name of Fund	Investments	Fund Value as of 28 Feb 2025 (INR)	Return as 28 Feb 2025
Top 200 Fund	INR 3,00,000 (INR 100000 each during Feb 2009, Dec 2016 and Mar 2020)	24,03,760	19.51%
Multi Cap Fund	INR 3,00,000 (100000 each during Oct 2015, Dec 2016 and Mar 2020)	15,23,587	23.11%

Therefore, it is advisable to average down one’s portfolio and take benefit of the attractive valuation available whenever there are market volatilities.