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Tata AIA Multicap Opportunities Pension Fund

Tata AIA Multicap Opportunities Pension Fund is a retirement-focused fund, curated for investors seeking diversified equity exposure across large-cap, mid-cap, and small-cap companies. By balancing stability, growth, and high-return potential, the fund aims to create long-term wealth. It is an Active Fund benchmarked to the NSE 500 Index, which allows investors to have exposure to India's broad equity market.

Why invest in Tata AIA Multicap Opportunities Pension Fund?

Diversification
In one fund

Stability of large caps and growth potential of mid and small cap companies

Retirement wealth
creation with life cover

Save tax
up to ₹46,800⁶

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 across market capitalization. The fund maintains flexibility to invest in carefully selected companies that offer opportunities across large, mid or small capitalization space. The fund will invest 60%-100% in Equity and Equity related instruments and 0%-40% in Debt and Money Market Securities.

Why invest in Tata AIA Multicap Opportunities Pension Fund

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.

Growth across market segments

By investing in large-cap, mid-cap, and small-cap companies, this active pension fund blends stability with strong long-term growth potential, ideal for retirement planning.

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.

Lifelong Income

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

Fund is Available with Tata AIA Smart Pension Secure

Tata AIA 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).

Tata AIA

Smart Pension Secure

Zero Premium allocation charges
Grow your retirement corpus with our top-rated funds²
Earn loyalty addition and maturity booster¹¹ for staying invested

Calculate Pension

Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V06)

Tata AIA Has Delivered Benchmark Beating Performance Across Funds

All
Equity
Debt
Hybrid

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Investment amount (₹)

Growth rate (%)

Invest for (Years)

Stay invested for (Years)

You Get

₹76.6 Lakh

You Pay

₹12 Lakh

Plan now

You Pay

You Get

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Fund Composition

Tata AIA Multicap Opportunities Pension Fund

Benchmark	Nifty 500 Index Fund
Fund Management Charges	1.35% p.a.
Risk Profile	High
Asset Allocation	Equity & Equity-related instruments: 60%-100% Debt: 0 – 40% Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 40%
Fund Manager	Nitin Bansal Total experience of 21+ years. Experienced fund manager with expertise in managing diversified equity portfolios.

Retirement Planning Calculator

Total amount required for retirement

₹2.98 Crore

Monthly saving to accumulate this amount

₹31,334

About Nifty 500 Index Benchmark Fund

In the Nifty 500 Index, performance of the 500 largest listed companies in India is captured. It offers one of the broadest representations of the Indian equity market as it covers over 96% of India’s total market capitalization and all major sectors and market capitalisations (large, mid, and small caps). This makes it one of the most diversified indices in India.

Past Performance – Annualized Returns of Nifty 500 Index

3 Year CAGR

15.13%

5 Year CAGR

19.87%

10 Year CAGR

13.39%

Source: NSE Indexogram Factsheet | ²Data as on October 31, 2025 | Benchmark Index – Nifty 500 Index

Portfolio Characteristics

Sector Representation

Sector	Weight (%)
Financial Services	31.11
Information Technology	7.81
Oil, Gas & Consumable Fuels	7.76
Automobile and Auto Component	7.08
Fast Moving Consumer Goods	6.37
Capital Goods	6.30
Healthcare	6.28
Consumer Services	3.77
Metals & Mining	3.68
Telecommunication	3.45
Power	3.23
Construction	2.88
Consumer Durables	2.76
Construction Materials	2.00
Chemicals	1.93
Services	1.89
Realty	1.17
Textiles	0.26
Media, Entertainment & Publication	0.13
Diversified	0.09

Sector weightage as on October 31, 2025
Source: NSE Indexogram Factsheet | ²Data as on October 31, 2025 | Benchmark Index – Nifty 500 Index

Tata AIA Fund Performance

	Last 5 Years Returns¹²		Since Inception¹³ Returns
Tata AIA Funds	Fund Return (%)¹²	Benchmark Return (%)¹²	Fund Return (%)¹³	Benchmark Return (%)¹³
Multi Cap Fund	25.97%	18.91%	20.37%	12.93%
Top 200 Fund	27.03%	18.91%	18.92%	15.14%
India Consumption Fund	26.96%	18.91%	20.23%	12.93%

¹²Data as on Oct 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. ¹³Inception 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 Multicap Opportunities 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

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

Key Catalysts Behind Growth

Strong Economic Growth

India is experiencing a consumption boom with GDP growth⁶ of 7.4% in Q4 FY25, leading to a full-year growth of 6.5% despite global challenges. Invest in Tata AIA Multicap Opportunities Pension fund poised to capture growth through a diversified portfolio of sector-leading companiesnvestment is made each month through a Systematic Investment Plan (SIP) using bank auto-debit.
Stable Geopolitical Arena

India benefits from a stable geopolitical environment, supporting domestic and international business. By investing in a mix of companies across different market sizes, the fund aims to capture India’s growth potential while reducing overall risk.
Favourable Macroeconomic Indicators

India is projected to become the world's fourth-largest economy⁷ by the end of fiscal 2026, driven by robust domestic growth and structural reforms. The strong macroeconomic conditions fuel long-term growth of your investment.

Important Dates

NFO Window: 24 December 2025 to 31 December 2025

Why Choose Tata AIA for your Investment?

Experienced

Fund Managers

1.4 Lakh Crore+

Assets Under Management⁸

Top Rated Funds

All funds rated 4 or 5 by stars⁴by Morningstar⁵

600+ Branches

Presence across major cities in India

89 Lakh+

Families protected so far⁹

99.41%

Individual Death Claim Settlement Ratio for FY24-25¹⁰

⁴T&C apply.

Need advice on a new plan?

Our experts are happy to help you

Our experts are happy to help you!

Are you an NRI?

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Are you an NRI?

Yes

Name

What is the Tata AIA Multicap Opportunities Pension Fund?

Tata AIA Multicap Opportunities Pension Fund is an equity-based active fund that invests in large, mid, and small cap stocks, providing investors access to a wide range of companies listed in the NSE 500 Index.

What is the investment objective of Tata AIA Multicap Opportunities Pension Fund?

The pension fund aims to generate returns in the long term by investing in stocks diversified across market capitalisations depending on prevailing trends.

What is the benchmark of Tata AIA Multicap Opportunities Pension Fund?

NSE 500 is the underlying benchmark of the Tata AIA Multicap Opportunities Pension Fund, which has a broad exposure to the top 500 companies in the Indian equity market.

What is the FMC (expense ratio) of Tata AIA Multicap Opportunities Pension Fund?

The Tata AIA Multicap Opportunities 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 Multicap Opportunities Pension Fund?

Nitin Bansal will be the fund manager of Tata AIA Multicap Opportunities Pension Fund.

What is the risk profile of Tata AIA Multicap Opportunities Pension Fund?

As investments are mainly focused in the equity market, the Tata AIA Multicap Opportunities 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.

Will my retirement corpus fluctuate since the fund invests in equity?

Yes, there are fluctuations in the short term. However, over long periods, equity has historically offered higher inflation-adjusted returns, making it suitable for building retirement wealth.

10.

How can I track the performance of Tata AIA Multicap Opportunities Pension Fund?

Your Tata AIA customer portal account allows tracking the performance of the Tata AIA Multicap Opportunities Pension Fund in real time.

11.

How can Tata AIA Multicap Opportunities Pension Fund benefit investors?

The Tata AIA Multicap Opportunities Pension Fund can be a suitable investment option to create a wealth corpus over time and meet your various post-retirement needs.

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 Multicap Opportunities 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 Multicap Opportunities Pension Fund SFIN: ULIF 096 31/12/25 MUP 110
Tata AIA Smart Pension Secure (UIN: 110L182V06) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Asset Allocation: Equity & Equity related instruments: 60%-100%, Debt: 0 – 40%, Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 40%
¹Benchmark Fund: Nifty 500 Index | Data as of October 31, 2025 | Source: NSE Indexogram Factsheet
²Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961.Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above
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©2024 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.
⁶Source: https://www.deccanherald.com/business/economy/gdp-grows-74-in-march-quarter-65-in-fy25-3564429
⁷Source:https://cfo.economictimes.indiatimes.com/news/economy/india-set-to-become-the-worlds-fourth-largest-economy-by-2026/121502459
⁸As on 31st Oct 2025, the company has a total Assets Under Management (AUM) of Rs 140,345 Crores
⁹89,43,554 families protected till May 31, 2025
¹⁰Individual Death Claim Settlement Ratio is 99.41% for FY 2024- 25 as per the latest annual audited figures.
¹¹Loyalty additions only available with Option 2: Smart Pension Secure Plus
Loyalty additions and maturity boosters are only available for purchase through online/digital channels
¹²Data as on Oct 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.
¹³Inception 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.
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.
Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. 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.
The products are underwritten by Tata AIA Life Insurance Company Limited. The plans are not guaranteed issuance plans, and it will be subject to Company's underwriting and acceptance. Whilst every care has been taken in the preparation of this content, it is subject to correction and markets may not perform in a similar fashion based on factors influencing the capital and debt markets; hence this advertisement does not individually confer any legal rights or duties. This is not an investment advice, please make your own independent decision after consulting your financial or other professional advisor.
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 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. This is not an investment advice, please make your own independent decision after consulting your financial or other professional advisor.
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.
The products are underwritten by Tata AIA Life Insurance Company Limited.
L&C/Advt/2025/Dec/4531