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

Tata AIA Life Insurance continues to demonstrate the strength of its investment management capabilities through consistent, benchmark-beating performance across its Unit Linked Insurance Plan (ULIP) funds. The company’s diversified fund portfolio aims to offer policyholders long-term wealth creation opportunities, while providing the protection benefits of life insurance.

 

Performance Track Record of Tata AIA Funds

Last 5 Years Returns* (CAGR)
Tata AIA Funds	Fund Return (%)*	Benchmark Return (%)*
Multi Cap Fund	21.54%	14.86%
Top 200 Fund	22.45%	14.86%
India Consumption Fund	22.28%	14.86%

*Data as of 31 Dec, 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.

*Note: Investors should carefully assess their risk appetite as the fund has a high-risk profile. Past performance is not indicative of future results.

Tata AIA has built strong expertise in investment-linked insurance solutions. As of 31 December 2025, 96% of the company’s Assets Under Management (AUM) is rated 4- or 5-star by Morningstar on a 5-year basis, compared to the life insurance industry average of 27%.

Performance of TATA AIA’s Recent NFOs as of 31st December 2025:

Fund name	AUM (in Cr.)	Inception date	Returns since launch	Benchmark	Benchmark returns
Emerging Opportunities Fund	2623.57	31-Dec-2022	25.86%	Nifty Midcap 100 – 95% CRISIL Liquid fund index – 5%	23.39%
Dynamic Advantage Fund	304.38	31-Mar-2023	19.97 %	Nifty 50 – 50% CRISIL Composite Bond fund Index – 50%	11.86%
Sustainable Equity Fund	101.54	31-Mar-2023	19.06%	Nifty 100 ESG Index	19.07%
Small Cap Discovery Fund	1963.86	24-Jul-2023	31.41%	NIFTY Small Cap 100 -100%	19.06%
Flexi Growth Fund	1023.24	31-Dec-2023	16.16%	Nifty 500 Index	10.83%

 
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.

Commitment to Long Term Value Creation

Harshad Patil, Chief Investment Officer (CIO) of Tata AIA Life Insurance, said: “At Tata AIA Life, our investment philosophy is focused on delivering long-term, sustainable value to our policyholders through disciplined and research-driven portfolio construction. India’s strong economic momentum, supported by structural reforms, rising income levels and an expanding investor base, continues to create compelling opportunities across market segments. We aim to capture these opportunities via a systematic, fundamental factor-based approach that identifies companies with attractive valuations and robust business models. This framework allows us to build resilient portfolios that seek to deliver risk-adjusted outcomes while helping our customers participate meaningfully in India’s long-term wealth creation journey.”

With a sustained focus on quality, diversification and research backed investing, Tata AIA Life Insurance continues to enhance customer value through its ULIP fund offerings.

As of 31 December 2025, Tata AIA Life Insurance’s Assets Under Management stood at ₹ 145,256 crore, reflecting a 21% year-on-year growth. This has been due to robust Individual New Business Premium income and exceptional investment performance.

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About Tata AIA Life

Tata AIA Life Insurance Company Limited (Tata AIA) is a joint venture Company formed by Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA). Tata AIA Life combines Tata’s pre-eminent leadership position in India and AIA’s presence as the largest, independent listed pan-Asian life insurance group in the world, spanning 18 markets in the Asia Pacific region.

Tata AIA reported a total Premium Income of INR 31,484 crore for FY25, up 23% from FY24. The Company continues to rank among the Top 3 Private Insurers in Individual Weighted New Business Premium (IWNBP) with an IWNBP income of INR 8,511 crore. The Company also achieved industry-leading Persistency performance (based on premiums), ranking #1 in four out of five cohorts.

About the Tata Group

Founded by Jamsetji Tata in 1868, the Tata group is a global enterprise, headquartered in India, comprising 30 companies across ten verticals.

The group operates in more than 100 countries across six continents, with a mission 'To improve the quality of life of the communities we serve globally, through long-term stakeholder value creation based on Leadership with Trust’.

In 2023-24, the revenue of Tata companies, taken together, was more than $165 billion. These companies collectively employ over 1 million people.

Each Tata company or enterprise operates independently under the guidance and supervision of its own board of directors. There are 26 publicly listed Tata enterprises with a combined market capitalisation of more than $365 billion as on March 31, 2024.

About AIA

AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) comprise the largest independent publicly listed pan-Asian life insurance group. It has a presence in 18 markets –wholly-owned branches and subsidiaries in Mainland China, Hong Kong SAR(3), Thailand, Singapore, Malaysia, Australia, Cambodia, Indonesia, Myanmar, New Zealand, the Philippines, South Korea, Sri Lanka, Taiwan (China), Vietnam, Brunei and Macau SAR(4), and a 49 per cent joint venture in India. In addition, AIA has a 24.99 per cent shareholding in China Post Life Insurance Co., Ltd.

The business that is now AIA was first established in Shanghai more than a century ago in 1919. It is a market leader in Asia (ex-Japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$305 billion as of 31 December 2024.

AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia, AIA serves the holders of more than 43 million individual policies and 16 million participating members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock codes “1299” for HKD counter and “81299” for RMB counter with American Depositary Receipts (Level 1) traded on the over-the-counter market under the ticker symbol “AAGIY”.