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a new plan?

Need assistance in choosing a new plan?

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    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

    We are committed to securing the financial future of your loved ones. With increased Bonus Rates, we bring you one step closer to achieving your goals and making your family’s dreams come true.

    Bonus Rates

    for 1st June 2024 to 31st May 2025

    Reversionary Bonus Rates

    UIN Product Name Bonus rates Type of Bonus
    110N001V01 Assure 21 years Money Saver 4.00% Compound
    110N002V01 Assure 20 Years Security & Growth Plan 4.00% Compound
    110N002V01 Assure 30 Years Security & Growth Plan 4.00% Compound
    110N003V01 Assure Golden Years Plan 4.00% Compound
    110N021V01 Assure Educare at 21 4.00% Compound
    110N022V01 Assure Educare at 18 4.00% Compound
    110N023V01 Assure Career Builder 4.00% Compound
    110N038V01 Star Kid 11.00% Simple
    110N026V01 Nirvana 4.00% Compound
    110N036V01 Nirvana Plus 5.50% Compound
    110N041V01 Nirbhay Life (bonus as a % of SA)* NA Terminal Bonus only
    110N127V01 Tata AIA Life Good Kid 2.25% Compound
    110N116V01 Tata AIA Life Insurance Smart Growth Plus 4.00% Compound
    110N117V01 Tata AIA Life Insta Wealth Plan V1 3.50% Compound
    110N117V02 Tata AIA Life Insta Wealth Plan V2 3.25% Compound
    110N024V01 Tata AIA Life Mahalife 40.6 per 1000 Cash dividend
    110N029V01 Tata AIA Life Mahalife Gold V1 41.9 per 1000 Cash dividend
    110N029V02 Tata AIA Life MahaLife Gold V2 90 per 1000 Cash dividend
    110N029V03 Tata AIA Life MahaLife Gold V3 NA Cash dividend
    110N110V01 Tata AIA Life Mahalife Gold Plus 90 per 1000 Cash dividend
    110N108V01 Tata AIA Life Mahalife Magic 4.50% Compound
    110N119V01 Tata AIA Life Money Back Plus V1 3.25% Compound
    110N119V02 Tata AIA Life Money Back Plus V2 2.75% Compound
    110N119V03 Tata AIA Life Insurance Money Back Plus ver3 2.65% Compound
      Shubh Life    
    110N040V01 Shubh Life (PT 10 Years) NA Simple
    110N040V01 Shubh Life (PT 15 Years) 9.00% Simple
    110N040V01 Shubh Life (PT 20 Years) 7.50% Simple
    110N040V01 Shubh Life (PT 25 Years) 7.50% Simple
    110N040V01 Shubh Life (PT 30 Years) 5.00% Simple
      TATA AIA Life Insurance Money Maxima    
    110N109V01 TATA AIA Life Insurance Money Maxima (PT 12 to 20 years) 4.75% Simple
    110N109V01 TATA AIA Life Insurance Money Maxima (PT 21 to 30 years) 4.75% Simple
      Tata AIA Life Insurance Smart 7    
    110N118V01 Tata AIA Life Insurance Smart 7 (Basic SA less than 5 lac) 3.55% Compound
    110N118V01 Tata AIA Life Insurance Smart 7 (Basic SA between INR 5 lac to INR 9.99 lac) 3.60% Compound
    110N118V01 Tata AIA Life Insurance Smart 7 (Basic SA greater than or equal to INR 10 lac) 3.65% Compound
      Tata AIA Life Insurance Freedom    
    110N124V01 Tata AIA Life Insurance Freedom (PPT 7 years) 3.50% Compound
    110N124V01 Tata AIA Life Insurance Freedom (PPT 10 years) 2.85% Compound
    110N124V01 Tata AIA Life Insurance Freedom (PPT 15 years) 2.65% Compound
      Tata AIA Life Insurance Monthly Insurance Plan    
    110N125V01 Tata AIA Life Insurance Monthly Insurance Plan (PT 15 years) 4.00% Compound
    110N125V01 Tata AIA Life Insurance Monthly Insurance Plan (PT 20 years) 3.15% Compound
      Tata AIA Life Insurance Diamond Savings Plan    
    110N133V01 Tata AIA Life Insurance Diamond Savings Plan (PPT 8 years) 5.00% Compound
    110N133V01 Tata AIA Life Insurance Diamond Savings Plan (PPT 12 years) 5.50% Compound
      Tata AIA Life Insurance Diamond Savings Plan ver2    
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 8 years) 4.50% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 12 years) 5.00% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 15 years) 4.00% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 20 years) 4.50% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 6 years and PT 15 years) 4.00% Compound
      Tata AIA Life Insurance Diamond Savings Plan ver2 Revised Expense    
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 8 years) - II 4.50% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 12 years) - II 5.00% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 15 years) - II 4.00% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 20 years) - II 4.50% Compound
    110N133V02 Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 6 years and PT 15 years) - II 4.00% Compound
      Tata AIA Life Insurance Diamond Savings Plan ver3    
    110N133V03 Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 8 years) - II 4.50% Compound
    110N133V03 Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 12 years) - II 5.00% Compound
    110N133V03 Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 5 years and PT 15 years) - II 4.00% Compound
    110N133V03 Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 5 years and PT 20 years) - II 4.50% Compound
    110N133V03 Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 6 years and PT 15 years) - II 4.00% Compound
      Tata AIA Value Income Plan    
    110N153V01 Tata AIA Life Insurance Value Income Plan(PPT <=10) Please refer to Section Value Income Plan and Smart Value Income Plan Cash dividend
    110N153V01 Tata AIA Life Insurance Value Income Plan(PPT >10) Please refer to Section Value Income Plan and Smart Value Income Plan Cash dividend
      Tata AIA Value Income Plan ver2    
    110N153V02 Tata AIA Life Insurance Value Income Plan(PPT <=10) ver2 Please refer to Section Value Income Plan and Smart Value Income Plan
    Cash dividend
    110N153V02 Tata AIA Life Insurance Value Income Plan(PPT >10) ver2 Please refer to Section Value Income Plan and Smart Value Income Plan Cash dividend
      Tata AIA Life Insurance Smart Value Income Plan    
    110N162V01 Tata AIA Life Insurance Smart Value Income Plan v1 Please refer to Section Value Income Plan and Smart Value Income Plan Cash dividend
    110N162V02 Tata AIA Life Insurance Smart Value Income Plan v2 Please refer to Section Value Income Plan and Smart Value Income Plan Cash dividend
    See All See Less

    *Further, an additional reversionary bonus of 22% and 58% has been declared for Shubh Life 15-year term policies and Shubh Life 20-year term policies, maturing from 1st June 2024 to 31st May 2025 respectively

    Above reversionary bonus rates will continue as interim bonus until the next bonus declaration, wherever applicable

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    PPT/Term 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
    5 1.10% 1.30% 1.50% 1.70% 1.90% 2.10% 2.30% 2.50% 2.70% 2.90% 3.10% 3.10% 3.10% 3.10% 3.10% 3.30% 3.30% 3.30% 3.30% 3.30% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50%
    6   1.20% 1.40% 1.60% 1.80% 2.00% 2.20% 2.40% 2.60% 2.80% 3.00% 3.00% 3.00% 3.00% 3.00% 3.20% 3.20% 3.20% 3.20% 3.20% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
    7     1.30% 1.50% 1.70% 1.90% 2.10% 2.30% 2.50% 2.70% 2.90% 2.90% 2.90% 2.90% 2.90% 3.10% 3.10% 3.10% 3.10% 3.10% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30% 3.30%
    8       1.40% 1.60% 1.80% 2.00% 2.20% 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 3.00% 3.00% 3.00% 3.00% 3.00% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20%
    9         1.60% 1.80% 2.00% 2.20% 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 3.00% 3.00% 3.00% 3.00% 3.00% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20% 3.20%
    10           1.80% 2.00% 2.20% 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    11             2.00% 2.20% 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    12               2.20% 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    13                 2.40% 2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    14                   2.60% 2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    15                     2.80% 2.80% 2.80% 2.80% 2.80% 2.90% 2.90% 2.90% 2.90% 2.90% 3.00% 3.00% 3.00% 3.00% 3.00% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10%
    See All See Less

    Cash Bonus

    Limited Pay

    For Whole Life policies with Annualised Premium less than ₹1,00,000

    Insured Age at Entry/PPT

    5

    6

    7

    8

    9

    10

    11

    12

    Upto 25 years

    16.50%

    22.50%

    26.00%

    29.50%

    32.25%

    35.00%

    37.50%

    39.50%

    26 to 35 years

    16.00%

    22.00%

    25.50%

    29.00%

    32.00%

    35.00%

    37.25%

    39.00%

    36 to 40 years

    15.00%

    21.00%

    24.50%

    28.00%

    31.00%

    34.00%

    36.25%

    38.00%

    41 to 45 years

    14.00%

    20.00%

    23.50%

    27.00%

    30.00%

    33.00%

    35.00%

    36.00%

    46 to 50 years

    12.50%

    19.00%

    23.00%

    27.00%

    30.00%

    33.00%

    35.00%

    36.00%

    51 to 55 years

    10.00%

    16.50%

    20.75%

    25.00%

    28.25%

    31.50%

    33.00%

    33.00%

    56 to 60 years

    6.50%

    13.00%

    17.25%

    21.50%

    24.75%

    28.00%

    29.00%

    28.00%

    61 years and above

    1.50%

    8.00%

    12.75%

    17.50%

    20.75%

    24.00%

    24.25%

    23.00%

    See All See Less

    For Whole Life policies with Annualised Premium less than ₹1,00,000

    Insured Age at Entry/PPT 5 6 7 8 9 10 11 12
    Upto 25 years 16.50% 22.50% 26.00% 29.50% 32.25% 35.00% 37.50% 39.50%
    26 to 35 years 16.00% 22.00% 25.50% 29.00% 32.00% 35.00% 37.25% 39.00%
    36 to 40 years 15.00% 21.00% 24.50% 28.00% 31.00% 34.00% 36.25% 38.00%
    41 to 45 years 14.00% 20.00% 23.50% 27.00% 30.00% 33.00% 35.00% 36.00%
    46 to 50 years 12.50% 19.00% 23.00% 27.00% 30.00% 33.00% 35.00% 36.00%
    51 to 55 years 10.00% 16.50% 20.75% 25.00% 28.25% 31.50% 33.00% 33.00%
    56 to 60 years 6.50% 13.00% 17.25% 21.50% 24.75% 28.00% 29.00% 28.00%
    61 years and above 1.50% 8.00% 12.75% 17.50% 20.75% 24.00% 24.25% 23.00%
    See All See Less

    Additional bonus for higher
    ticket sizes

    Annualized Premium Slab (₹)

    Additional Regular Bonus as a % of Annualized Premium

    < 1 Lakh

    0.00%

    1 Lakh to < 2 Lakh

    1.00%

    2 Lakh to < 5lakh

    1.50%

    ≥ 5 Lakh

    2.00%

    Additional Bonus for "Non-Whole Life" Policies

    Maturity Age of Insured

    Additional Regular Bonus as a % of Annualized Premium

    20-85

    1.00%

    100

    0.00%

    Additional bonus for higher
    ticket sizes

    Annualized Premium Slab (₹)

    Additional Regular Bonus as a % of Annualized Premium

    < 1 Lakh

    0.00%

    1 Lakh to < 2 Lakh

    1.00%

    2 Lakh to < 5lakh

    1.50%

    ≥ 5 Lakh

    2.00%

    See All See Less

    Additional Bonus for "Non-Whole Life" Policies

    Maturity Age of Insured

    Additional Regular Bonus as a % of Annualized Premium

    20-85

    1.00%

    100

    0.00%


    Regular Pay

     

    For Annualised Premium less than ₹1,00,000

    Insured Age at Entry/PPT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
    Upto 25 years 13.25% 17.45% 20.75% 22.95% 26.95% 29.50% 32.25% 34.70% 37.00% 39.05% 41.0% 42.75% 44.5% 46.0% 47.00% 47.00% 48.00% 49.00% 50.00% 50.25% 50.25%
    26 to 35 years 13.25% 17.45% 20.75% 22.95% 26.95% 29.50% 32.25% 34.70% 37.00% 39.05% 41.00% 42.75% 44.40% 45.95% 46.75% 46.75% 47.80% 48.80% 49.75% 50.25% 50.25%
    36 to 40 years 13.25% 17.45% 20.75% 22.90% 26.90% 29.50% 32.15% 34.50% 36.65% 38.65% 40.50% 42.25% 43.85% 45.40% 46.25% 46.25% 47.30% 48.30% 49.20% 49.75% 49.75%
    41 to 45 years 13.00% 17.15% 20.50% 22.60% 26.50% 29.00% 31.75% 34.10% 36.35% 38.35% 40.25% 41.75% 43.20% 44.50% 45.00% 45.00% 46.05% 47.10% 48.10% 48.75% 48.75%
    46 to 50 years 12.75% 16.70% 20.00% 22.05% 25.95% 28.50% 31.15% 33.55% 35.70% 37.65% 39.50% 41.20% 42.75% 44.20% 45.00% 45.00% 46.05% 47.10% 48.05% 48.75% 48.75%
    51 to 55 years 11.50% 15.70% 19.00% 21.15% 25.05% 27.50% 30.15% 32.55% 34.65% 36.70% 38.50% 39.90% 41.25% 42.50% 43.00% 43.00% 44.15% 45.20% 46.25% 47.25% 47.25%
    56 to 60 years 8.00% 13.00% 17.00% 19.50% 23.75% 26.50% 28.55% 30.45% 32.15% 33.60% 35.00% 36.55% 37.95% 39.25% 40.00% 40.00% 41.20% 42.35% 43.45% 43.95% NA
    61 years and above 4.50% 9.80% 14.00% 16.85% 21.40% 24.50% 26.25% 27.80% 29.15% 30.40% 31.50% 33.10% 34.60% 35.95% 36.45% NA NA NA NA NA NA
    See All See Less

    Additional bonus for higher
    ticket sizes

    Annualized Premium Slab

    Additional Regular Bonus as a % of Annualized Premium

    < 1 Lakh

    0.00%

    1 Lakh to < 2 Lakh

    1.00%

    2 Lakh to < 5lakh

    1.50%

    ≥ 5 Lakh

    2.00%

    Single Pay

    Insured Age at Entry/DBM Option SA - I SA - II
    Upto 25 years 4.75% 5.00%
    26 to 30 years 4.25% 5.00%
    31 to 35 years 3.50% 5.00%
    36 to 40 years 2.75% 5.00%
    41 to 45 years 2.00% 5.00%
    46 to 50 years NA 5.00%
    51 to 55 years NA 5.00%
    56 to 60 years NA 5.00%
    61 years and above NA 5.00%
    See All See Less

    Disclaimer
    • PT – Policy Term | PPT – Premium Payment Term
    • Bonuses which are in the form of Compound Reversionary Bonus (CRB), Simple Reversionary Bonus (SRB), and Terminal Bonuses are not guaranteed and may be as declared by the company from time to time, based on company’s future investment performance. Past performance is not indicative of future performance. For more information, please refer to the benefit illustration and Terms and Conditions of the policy.”
    • ~Total expected amount of declared bonus is 1,465 crores. Reversionary bonus will be declared for the period 1st June 2024 to 31st May 2025 and will be payable on exit of policy.
    • ^Customers of participating products as on date in the books of Tata AIA Life Insurance Company Limited. There are other policies as on date in our books for which bonus declared is not applicable.
    • Past performance is not indicative of future performance.
    • Insurance cover is available under the product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • L&C/Misc/2024/Jun/0444