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₹25 Lakh Investment Plan

A 25 lakh investment plan is a financial tool that helps you build a corpus of ₹25 lakh over a set period. This plan includes planned savings, supports... Read more major milestones, and includes life coverage for family security. Such planning supports disciplined contributions over time while preparing for future responsibilities with clarity and financial balance. Read Less

A 25 lakh investment plan is a financial tool that helps you build ...Read more a corpus of ₹25 lakh over a set period. This plan includes planned savings, supports major milestones, and includes life coverage for family security. Such planning supports disciplined contributions over time while preparing for future responsibilities with clarity and financial balance. Read Less

Invest ₹20,000/month¹, Get ₹4.4 Cr tax-free² returns (@21.54%)

All funds rated 4 or 5 stars³

Wealth creation + Life cover

Zero LTCG tax²

Zero premium allocation charge

In this policy, the investment risk in investment portfolio is borne by the policyholder

¹IIllustrative returns @4%: ₹46.8 Lakh | @8%: ₹78 Lakh. Policy Term 20 years.
Past performance is not indicative of future performance. 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

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Pay (Total)

₹11,99,016

Get Maturity Benefit

Based on assumed rate of return

₹34.57 Lakh

As per actual past performance

₹70.50 Lakh

@20.37%

Additional Benefits

Life Cover (including Terminal Illness Cover): ₹22.8 Lakh

Accidental Death Cover: ₹11.43 Lakh

Accidental Total & Permanent Disability: ₹11.43 Lakh

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Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually. Product option: Future Secure

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What is a ₹25 lakh investment plan?

A ₹25 lakh investment option is a savings-based financial arrangement designed to build a corpus of twenty-five lakh rupees over a defined duration. This plan combines savings and insurance elements within one structure. Through regular contributions and life coverage, individuals work towards financial goals while ensuring their family’s financial needs are supported during unforeseen situations.

How does a ₹25 lakh investment plan work?

A 25 lakh investment plan functions through regular premium contributions made over a selected tenure. Once the target amount and time horizon are set, the plan calculates suitable premiums. These funds are invested through traditional or market-linked⁷ methods under the chosen investment plan structure. Market-linked plans invest across equity and debt instruments, while traditional plans accumulate declared bonuses. Over time, compounding builds the corpus, with maturity benefits paid as a lump sum or income.

Popular Tata AIA Investment Plans

Solution Composition

Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.

Tata AIA

Premier SIP

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³by Morning⁵
Payouts are tax² exempted

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Solution Composition

Param Raksha Life Pro+ is designed for combination of Benefits of two 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.

Tata AIA

Param Raksha Life Pro +

Multicap fund delivered 23.21% returns (Benchmark:16.65%)⁴
All funds rated 4 or 5 stars³ by Morningstar⁵
Get terminal illness cover with Term booster⁶ + high life cover

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Benefits of a ₹25-lakh investment plan

The investment options for 25 lakh offer various benefits, some of which are as follows:

Flexibility

Many plans provide options to adjust contribution frequency or switch allocation preferences based on risk appetite. Some plans also allow additional contributions during higher income phases.

Wealth accumulation

Systematic contributions combined with compounding support gradual corpus growth. Over longer durations, accumulated returns contribute significantly towards achieving the ₹25 lakh objective.

Financial protection

A 25 lakh investment plan includes life coverage that supports family finances during uncertain situations. This structure ensures planned financial objectives stay protected even if unexpected events occur.

Tax benefits

Under current income tax provisions, premiums may qualify for tax deductions under Section 80C, while maturity proceeds may qualify under Section 10(10D), subject to applicable conditions.

Things to consider while investing in a ₹25 lakh investment plan

Consider the following while investing in an investment plan for 25 lakh:

Financial goals and timelines

Define short-term and long-term goals clearly. The investment duration should align with expected milestones such as education funding or retirement preparation.

Historical performance

Review historical performance trends of similar savings plans. While past outcomes do not predict future results, consistency offers insight into plan behaviour.

Life coverage

Assess the required life coverage by calculating human life value. The selected plan should support family financial needs if the policyholder is not present.

Compare different plans

Compare plans across insurers by reviewing charges, policy features, claim settlement ratio, and long-term stability before making a decision.

Conclusion

A 25 lakh investment plan supports disciplined savings while combining insurance coverage within a single structure. It may suit individuals planning long-term financial goals with defined timelines. Careful evaluation of coverage needs, duration, and plan structure helps ensure the chosen plan aligns with personal responsibilities and future financial preparation.

What returns can I expect from a ₹25 lakh investment plan?

Returns depend on the plan structure. Market-linked plans⁷ vary with markets, while traditional plans offer declared additions over the policy duration.

Are there tax benefits associated with a ₹25 lakh investment plan?

Yes, premiums may qualify under Section 80C, and maturity proceeds may qualify under Section 10(10D), subject to prevailing tax laws.

How does a ₹25 lakh investment plan complement life insurance coverage?

A ₹25 lakh investment plan includes life insurance coverage, supporting family finances during unforeseen events while savings continue as planned.

Is a ₹25 lakh investment plan suitable for long-term financial goals?

Yes, this plan suits long-term goals, as longer durations support accumulation through reinvested returns and structured contributions.

Can I withdraw funds from my ₹25 lakh investment plan if needed?

Yes, many plans permit partial withdrawals after a lock-in period, allowing access to funds without ending the policy completely.

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.
Premier SIP is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Life Insurance Tata AIA Smart SIP - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN: 110L174V02) and (2) Tata AIA Health Buddy - Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Product option: Future Secure These products are also available for sale individually without the combination offered/suggested.
Param Raksha Life Pro+ is designed for combination of Benefits of two 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.
If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
¹Illustration shows a monthly premium of ₹15,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 10 years, policy term: 20 years with 100% investment in Tata AIA Multi Cap Fund in Future Secure plan option. 4% and 8% are assumed rates of return. 21.54% is the 5-year return as of December'25. Maturity amount: ₹22,57,608 at 4% returns, ₹40,92,738 at 8% returns and ₹ 2,77,34,574 at 21.54% returns. The fund value calculation is done by projecting the past returns of multi cap fund after adjusting for all expenses in Tata AIA Premier SIP. The above values have been calculated, assuming 21.54% p.a. gross investment returns, which is the past 5-year return of Multi Cap Fund as of December'25.
Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed’ in the illustration table on this page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
³All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
⁴5-year computed NAV for Multi Cap Fund as of December 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.

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.
⁶The Insured Amount under Terminal Illness with Term Booster option (in Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
⁷Market-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.
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.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart SIP is only the name 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.
Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
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/Advt/2026/Feb/0918