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Get a Life Cover of

₹1 Crore

Maturity Benefit of

4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund Returns since inception: 20.38% (Benchmark: 12.98%) as of Nov'25

Returns%

As per actual returns% since inception of Tata AIA Multi Cap Fund as of Nov'25

by paying a premium of ₹21,749/month (for 5 years)

Save ₹1,202 with discounts

Annual Income (₹)

Online discount

10% discount on health product premium every year Additional fund booster will be added at the end of the policy term which is a defined % of average fund value on the last business day of the last eight policy quarters (2 years)

Policy Term (years)	Fund Booster %
30-34	7%
35-39	8%
40 and above	10%

Last 5 year returns of Tata AIA funds

Fund Name	5 Year Returns	Benchmark Returns	Benchmark Name
Multi Cap Fund	23.21%	16.65%	S&P BSE 200
Top 200 Fund	24.08%	16.65%	S&P BSE 200
India Consumption Fund	23.85%	16.65%	S&P BSE 200

Returns as of November, 2025

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Param Raksha Life Pro +. This advertisement is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

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Tata AIA Enhanced Value Index Pension Fund

Tata AIA Enhanced Value Index Pension Fund is a long-term capital appreciation–oriented fund that invests primarily in equities aligned to a customised Enhanced Value Index. The fund seeks to closely track index-based returns, subject to tracking error, while providing disciplined equity exposure within a retirement-focused framework. With exposure to fundamentally strong businesses, the fund seeks to support policyholders in achieving their long-term retirement goals.

Why invest in Tata AIA Enhanced Value Index Pension Fund?

Undervalued stocks with growth potential

Diversified portfolio reducing individual risk

Retirement wealth creation with life cover

Consistent returns via passive management

Investment Objective

The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a portfolio of stocks that are aligned to the Enhanced Value Index, customized as per IRDAI regulatory requirements. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error. The fund will invest 70%-100% in Equity and Equity related instruments and 0%-30% in Cash and Money Market Securities.

Why invest in Tata AIA Enhanced Value Index Pension Fund

Value based Investing

With exposure to fundamentally strong businesses, the fund seeks to support policyholders in achieving their long-term retirement goals.

Lifelong Income

Get a steady source of income post-retirement and save tax up to ₹46,800²

Financial protection

Secure your family’s future with life cover while growing your retirement corpus through market-linked³ returns.

Top rated funds

Our funds have been rated 4 or 5 stars⁴ by Morningstar⁵, reflecting their strong performance and reliability over the years.

Exposure to a wide market

The fund offers investors access to leading, innovative, and emerging companies across multiple sectors and market capitalization.

Expert-led management

Our experienced Tata AIA fund managers adjust investments manage volatility effectively, and capture opportunities from India’s structural growth story.

Diversification

Diversification provides stability and reduces volatility, which are important considerations when building a retirement portfolio.

Retirement-focused plan

The Indian economy is expected to grow rapidly in the coming decades, offering many opportunities. Multicap strategies make sure you grow your retirement corpus with India's growth.

Fund is Available with Tata AIA Smart Pension Secure

Solution Composition

Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V07)

Tata AIA

Smart Pension Secure

Zero Premium allocation charges
Grow your retirement corpus with our top-rated² funds
Earn loyalty addition and maturity booster¹³ for staying invested

Calculate Pension

Retirement Planning Calculator

Total amount required for retirement

₹2.98 Crore

Monthly saving to accumulate this amount

₹31,334

Fund Composition

Tata AIA Enhanced Value Index Pension Fund

Benchmark	BSE 500 Enhanced Value 50 Customised Index
Fund Management Charges	1.35% p.a.
Risk Profile	High
Asset Allocation	Equity & Equity-related instruments: 70%-100% Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 30% Debt: 0%
Fund Manager	Nimesh Mistry Total experience of 20+ years. Experienced fund manager with expertise in managing diversified equity portfolios.

About BSE 500 Enhanced Value 50 Index Benchmark Fund

The BSE 500 Enhanced Value 50 is designed to measure the performance of the 30 companies in the Large and mid-cap space with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.

Past Performance – Annualized Returns of BSE 500 Enhanced Value 50 Index

3 Year CAGR

29.12%

5 Year CAGR

29.46%

10 Year CAGR

14.53%

Source: BSE Fund Fact Sheet | ¹Data as on December 31, 2025 | Benchmark Index – BSE Enhanced Value Index

Tata AIA Fund Performance

	Last 5 Years CAGR⁷		Since Inception CAGR⁸
Tata AIA Funds	Fund Return (%)¹²	Benchmark Return (%)	Fund Return (%)¹³	Benchmark Return (%)
Multi Cap Fund	21.54%	14.86%	20.14%	12.83%
Top 200 Fund	22.45%	14.86%	18.78%	15.06%
India Consumption Fund	22.28%	14.86%	19.92%	12.83%

¹²Data as on Dec 31, 2025, | Past performance is not indicative of future performance. • Fund Benchmark: Multi Cap Fund – S&P BSE 200; India Consumption Fund - S&P BSE 200; Top 200 Fund - S&P BSE 200. • SFIN: Multi Cap Fund – ULIF 060 15/07/14 MCF 110; Top 200 Fund - ULIF 027 12/01/09 ITT 110; India Consumption Fund - ULIF 06115/07/14 ICF 110. ¹³ Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015. Other funds are also available under this solution.

Who should opt for the Tata AIA Enhanced Value Index Pension Fund?

Investors planning for retirement

Suitable for individuals who want to build a strong retirement corpus through diversified equity exposure.

Individuals seeking balance in risk

It is suitable for investors with a moderate to aggressive risk tolerance since it invests across multiple market segments in order to reduce reliance on any single category.

Long-term investors

A Multicap approach yields the desired results over long periods, making it ideal for retirement planning horizons of 10 to 20+ years.

Investors seeking market-linked retirement growth

For retirement, this fund can be a good choice if you are comfortable with equity market ups and downs and want inflation-beating returns.

Investors preferring professional management

It is ideal for those who want experts to manage their asset allocation across market segments rather than selecting their own stocks.

Individuals with long-term financial commitments

AIt can be used to build a legacy for future generations or to plan retirement income.

Important Dates

NFO Window: 9 February 2026 to 16 February 2026

Why Choose Tata AIA for your Investment?

Experienced

Fund Managers

1.4 Lakh Crore+

Assets Under Management¹¹

Top Rated Funds

All funds rated 4 or 5 by stars⁴ by Morningstar⁵

600+ Branches

Presence across major cities in India

89 Lakh+

Families protected so far¹²

99.41%

Individual Death Claim
Settlement Ratio for FY24-25¹³

⁴T&C apply.

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Name

What is an Enhanced Value Index Pension fund?

Enhanced Value Index is designed to measure the performance of the 30 companies in the BSE Large and Mid Cap with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.

What is the investment objective of Tata AIA Enhanced Value Index Pension Fund?

The Pension generate capital appreciation in the long term by investing in a portfolio of stocks that are aligned to the Enhanced Value Index Pension Fund.

What is the benchmark of Tata AIA Enhanced Value Index Pension Fund?

BSE Enhanced Value Index is the underlying benchmark of Tata AIA Enhanced Value Index Pension Fund which is designed to measure the performance of the 30 companies in the BSE Large and Mid Cap with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.

What is the FMC (expense ratio) of Tata AIA Enhanced Value Index Pension Fund?

The Tata AIA Enhanced Value Index Pension Fund has an expense ratio of 1.35% per annum.

What is the asset allocation pattern??

Who is the fund manager of Tata AIA Enhanced Value Index Pension Fund?

Nimesh Mistry will be the fund manager of Tata AIA Enhanced Value Index Pension Fund.

What is the risk profile of Tata AIA Tata AIA Enhanced Value Index Pension Fund?

As investments are mainly focused in the equity market, the Tata AIA Enhanced Value Index Pension Fund is categorised as a high-risk fund.

Is this fund suitable for long-term retirement planning?

Yes. In general, equity-based pension funds perform well over long periods of time (10–20+ years), helping investors accumulate substantial retirement savings.

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Tata AIA Enhance Value Index Pension Fund is part of a various funds which a policyholder can choose from. For further details on funds refer the sales brochure.
Tata AIA Enhanced Value Index Fund SFIN: ULIF 097 16/02/26 EVI 110
Tata AIA Smart Pension Secure (UIN: 110L182V07) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Asset Allocation: Equity & Equity related instruments: 70%-100%, Debt: 0%, Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 30%
¹Illustration shows monthly premium of ₹10,000 for Tata AIA Smart Pension Secure for a 40-year-old male, standard life, premium payment term: 10 years, policy term: 20 years. 4% and 8% are assumed rates of return. 29.46% is the 5-year return of BSE 500 Enhanced Value 50 Index as of December'25. Maturity amount: ₹16,77,068 at 4% returns, ₹30,23,672 at 8% returns and ₹5,84,32,141 at 29.46% returns. The fund value calculation is done by projecting the past returns of BSE 500 Enhanced Value 50 Index after adjusting for all expenses in Tata AIA Smart Pension Secure Plan. The above values have been calculated, assuming 29.46% p.a. gross investment returns, which is the past 5-year return of BSE 500 Enhanced Value 50 Index as of December'25.
²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
³Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
⁴All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
⁵©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
⁶Loyalty additions only available with Option 2: Smart Pension Secure Plus
Loyalty additions and maturity boosters are only available for purchase through online/digital channels
⁷Data as on Dec 31, 2025, | Past performance is not indicative of future performance. • Fund Benchmark: Multi Cap Fund – S&P BSE 200; India Consumption Fund - S&P BSE 200; Top 200 Fund - S&P BSE 200. • SFIN: Multi Cap Fund – ULIF 060 15/07/14 MCF 110; Top 200 Fund - ULIF 027 12/01/09 ITT 110; India Consumption Fund - ULIF 06115/07/14 ICF 110.
⁸Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015. Other funds are also available under this solution.
⁹As on 31st Oct 2025, the company has a total Assets Under Management (AUM) of Rs 140,345 Crores
¹⁰89,43,554 families protected till May 31, 2025
¹¹Individual Death Claim Settlement Ratio is 99.41% for FY 2024- 25 as per the latest annual audited figures.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure is only the names of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Past performance is not indicative of future performance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
L&C/Advt/2026/Feb/0819