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₹35 Lakh Investment Plan

A 35 lakh investment plan is an effective scheme to save adequate money and fulfil your financial objectives. It also provides the additional ... Read more benefit of life insurance, which will ensure your family's future financially in your absence. When unexpected circumstances like medical emergencies or losses of jobs take place, it helps in providing a cover for such situations. Read Less

A 35 lakh investment plan is an effective scheme to save adequate money and ...Read more fulfil your financial objectives. It also provides the additional benefit of life insurance, which will ensure your family's future financially in your absence. When unexpected circumstances like medical emergencies or losses of jobs take place, it helps in providing a cover for such situations. Read Less

Invest ₹15,000/month¹, Get ₹2.3 Cr tax-free⁷ returns (@19.87%)

All funds rated 4 or 5 stars²

Life cover + Wealth creation

Zero LTCG tax⁷

Zero premium allocation charge

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

¹IIllustrative returns @4%: ₹13.1 Lakh | @8%: ₹31.8 Lakh
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 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 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.

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What is a ₹35 lakh investment plan?

The 35 lakh investment scheme refers to the financial plan through which one aims to save or invest 35 lakhs. This could be an investment in mutual funds, stocks, property, or a combination of these for specific financial purposes at a particular time period. The 35 lakh investment plan helps to save and accumulate wealth for achieving specific financial purposes.

How does a ₹35 lakh investment plan work?

Here’s how investment plans for 35 lakh work:

In a 35 lakh savings plan, premiums are usually paid consistently over the course of the policy.
Premiums are directed to the insurance provider, where interest is earned and reinvested into the policy, leveraging compound interest.
Ultimately, accumulated returns help policyholders achieve their financial goals.
Additionally, a 35 lakh investment plan includes life insurance coverage.
The payout will be paid to your beneficiaries or heirs in the event of your death during the policy period.

Popular Tata AIA Investment Plans

Combination 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 stars³ by Morningstar⁵
Payouts are tax² exempted

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Combination composition

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.

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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Why should you buy a ₹35 lakh investment plan?

The key reasons for buying a 35 lakh investment plan are:

Helps you build a large corpus of ₹35 lakh for important life goals
Useful for home purchase, children’s education, business plans, or retirement.
Encourages disciplined and regular saving
Benefits from long-term compounding, helping money grow faster
Offers financial security for your family in case of emergencies (in insurance-linked plans)
Many plans include life cover along with investment
Provides tax² benefits under Section 80C and sometimes tax-free maturity under Section 10(10D)
Allows flexible premium payment options (monthly, yearly, limited pay)
Can be customised based on your income, risk appetite, and goals
Reduces dependence on loans for major expenses
Gives peace of mind by preparing you financially for the future

Benefits of a ₹35 lakh investment plan

These are the benefits you can get from a savings plan with 35 lakh:

When faced with medical conditions or the loss of employment, an investment scheme can provide financial security for you.
In addition, it gives you the ability to plan and work towards achieving long-term goals such as acquiring a home, funding your children's education, or saving for retirement.
Investing the money wisely will allow your funds to increase over time.
You may also be able to reduce your tax liability if you plan your savings.
With a large savings account, you will be able to pursue new opportunities, pursue entrepreneurship, or even take a career break without worrying about your finances.

What to consider when investing in a 35-lakh savings plan

Various investment options for 35 lakh are available. There are some things that can enable you to make informed decisions and leverage your investment to obtain potential benefits. Keep in mind:

Plan for short-term and long-term financial objectives like building wealth, retirement planning, and other heavy expenditures.
Make sure that your savings plan also has additional advantages, for example, insurance, loan facilities, or bonuses
Select a financial institution that is reputable, financially stable, and enjoys a positive customer review.
Evaluate the performance record of the investment plan and identify its returns, consistency, and risk.
You should be aware of all the costs involved, like management charges, transaction charges, and exit/surrender charges.
It is essential that you select a plan that allows you to contribute, withdraw, and manage investments

Conclusion

A ₹35 lakh investment plan can help create wealth and financial security over the long term. You not only build a substantial corpus for your life goals but also protect your family financially through life insurance. Selecting the right plan after carefully evaluating your goals, benefits, costs, flexibility, and the credibility of the provider can maximise returns. A well-chosen investment plan improves disciplined saving, financial stability, and peace of mind.

How to invest 35 lakhs in India?

The 35 lakhs can be invested in India using a variety of investment tools like mutual funds, stocks, or real estate.

Can I opt for a 35 lakh investment plan with a fixed interest rate?

If you want to invest 35 lakhs with a fixed interest rate, you can explore fixed deposit schemes and other fixed-income instruments.

Does a 35 lakh investment plan offer tax benefits?

There may be differences in tax² benefits depending on the kind of investment in the 35 lakh plan, such as equity-linked savings plans.

Can I monitor the performance of my investments within a 35 lakh plan?

Many investment platforms provide tools for monitoring the performance of investments within a 35 lakh plan.

Is it possible to adjust my investment strategy within a 35 lakh investment plan?

With a 35 lakh investment plan, you can adjust your investment strategy based on the flexibility of the investment instruments you select.

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 30-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. 19.87% is the 5-year return of Nifty 500 Index as of October'25. Maturity amount: ₹23,75,740 at 4% returns, ₹43,20,914 at 8% returns and ₹ 2,33,98,560 at 19.87% returns. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Premier SIP. The above values have been calculated assuming 19.87% p.a. gross investment returns, which is the past 5-year return of Nifty 500 Index as of October'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 November 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.
Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. 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. The underlying Fund’s NAV will be affected by interest rates and the performance of the underlying stocks. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the Company"). The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. 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 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 & the Unit linked insurance product with Tata AIA /Tata AIA Life Insurance as its prefix 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.
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/Jan/0303