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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

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^*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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Name

Plan

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%

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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%

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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%

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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%

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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

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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%

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Bonus Rates

for 1st June 2024 to 31st May 2025

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Cash Bonus

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Regular Pay

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