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Maturity Benefit of

4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund Returns since inception: 21.22% (Benchmark: 13.33%) as of Jun'25

Returns%

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

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

Premium excludes GST

Last 5 year returns of Tata AIA funds

Fund Name	5 Year Returns	Benchmark Returns	Benchmark Name
Multi Cap Fund	30.63%	21.62%	S&P BSE 200
Top 200 Fund	31.38%	21.62%	S&P BSE 200
India Consumption Fund	29.57%	21.62%	S&P BSE 200

Returns as of June, 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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Get Life Cover of

₹1 Crore

Maturity Benefit of

4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund Returns since inception: 21.22% (Benchmark: 13.33%) as of Jun'25

Returns%

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

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

Last 5 year returns of Tata AIA funds

Fund Name	5 Year Returns	Benchmark Returns	Benchmark Name
Multi Cap Fund	30.63%	21.62%	S&P BSE 200
Top 200 Fund	31.38%	21.62%	S&P BSE 200
India Consumption Fund	29.57%	21.62%	S&P BSE 200

Returns as of June, 2025

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Tata AIA Multi Cap Fund

Tata AIA Multi Cap Fund is one of the many funds under the equity portfolio of Tata AIA Fund Assure. A multi-cap fund invests mainly in the equity and equity related instruments of large-capitalisation, mid-capitalisation, and small-capitalisation companies.

When you buy a Tata AIA Life Insurance Unit-Linked Insurance Plan, you can choose to invest in the Tata AIA Multi Cap Fund as per your investment goals.

Our Best-Selling plans offering Tata AIA Multi Cap Fund

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

Tata AIA

Param Raksha Life Pro+

Plan Benefits

Multi Cap Fund delivered 27.64% Returns (Benchmark: 16.57%)¹
All funds rated 4 or 5 stars⁴ by Morningstar`
Get 10% Sum Assured on diagnosis of Terminal Illness⁵ + life cover

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Tata AIA

Pro-Fit

Plan Benefits

Multi Cap Fund delivered 27.64% Returns (Benchmark: 16.57%)¹
Get health cover up to ₹20 Lakhs for Surgery⁶
Avail cashless claim service with income tax⁷ benefits

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What is the Investment Rationale?

As its primary investment rationale, the Tata AIA Multi Cap Fund aims to generate long-term capital appreciation. The fund does so by investing in a diversified portfolio comprising large-cap, mid-cap, and small-cap companies. The allocation between the large-cap, mid-cap and small-cap firms will be a function of relative valuations between different market-caps.

NAV as on December 24:

63.4982

Benchmark:

S&P BSE 200 – 100%

Corpus as on 31 December, 24:

₹7,255.68 Crs.

TATA AIA FUNDS HAVE DELIVERED BENCHMARK BEATING PERFORMANCE
	Last 5 Years Returns⁸		Since Inception⁹ Returns
Tata AIA Funds	Fund Return (%)⁶	Benchmark Return (%)⁶	Fund Return (%)⁷	Benchmark Return (%)⁷
Multi Cap Fund	27.64%	16.57%	22.13%	13.37%
Top 200 Fund	27.78%	16.57%	19.58%	15.51%
India Consumption Fund	26.49%	16.57%	21.36%	13.37%

⁸Data as of December 31, 2024. 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.
⁹Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.

Benefits of Tata AIA Multi Cap Fund

These are some of the benefits of the Tata AIA Multi Cap Fund

Diversified Investment

Investing in this fund offers exposure to all market segments. This diversification aids in reducing portfolio risk, which can maximise investor returns. Fund managers are able to explore better investment avenues since they need not rely solely on single market capitalisation.
Optimal Returns

The Tata AIA Multi Cap Fund has been known to offer optimal returns since its inception. Through the fund performance, investors can gauge and analyse the fund manager’s strategies and the trend of the multi-cap fund.
Rated 5 Stars

Tata AIA Multi Cap Fund has been rated 5 Star² by Morningstar³ as of December 31, 2024. A 5-star rating indicates that a fund has been among the market’s top performers in terms of risk-adjusted return.
Medium-Term To Long-Term Capital Appreciation

This fund aims to generate long-term capital appreciation, which can help investors in two ways. Long-term investment can help an investor brace their investments against market volatility while simultaneously benefiting from the power of compounding.

Fund Performance of Tata AIA Multi Cap Fund

The below table comprises the fund performance of the Tata AIA Multi Cap Fund since its inception and until the most recent fund review:

Period	NAV	S&P BSE 200	NAV Change	INDEX Change
Last 1 Month	63.7161	11123.38	-0.34%	-1.73%
Last 3 Months	66.6930	11926.92	-4.79%	-8.35%
Last 6 Months	60.7065	11106.33	4.60%	-1.58%
YTD	55.6040	10099.58	14.20%	8.23%
Last 1 Year	53.6248	9638.97	18.41%	13.40%
Last 2 Years	37.7401	7851.99	29.71%	17.99%
Last 3 Years	35.3127	7536.67	21.60%	13.20%
Last 4 Years	24.6977	5906.87	26.63%	16.63%
Last 5 Years	18.7447	5078.44	27.64%	16.57%
Last 7 Years	15.5648	4678.86	22.25%	12.89%
Since Inception	9.9996	3426.34	22.13%	13.37%

Note: The investment income and prices may go down as well as up.“Since Inception” and returns above “1 Year” are calculated as per CAGR

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Who Should Invest in Tata AIA Multi Cap Fund?

01

Long-Term Investors:

Investors with a long-term horizon, typically 5 years or more, who are looking for capital appreciation.
02

First Time Investors:

This fund is suitable for individuals who are first time investors and looking for diversification.
03

Diversified Portfolio Seekers:

Investors who are looking to diversify their portfolio across different sectors and market capitalizations without having the worry to manage multiple funds.
04

Financial Goal Seekers:

Investors who are planning for fulfilling long-term financial goals such as securing one’s retirement, fund their children's education, or buying a home.

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Advantages of Investing in Tata AIA Multi Cap Fund

The multi-cap fund offers investment opportunities across different market segments

The fund is rated 5 Star² by Morningstar³

The fund can be suitable for investors seeking medium-to-long-term capital appreciation

Equity investors can benefit from a strategically diversified portfolio

Portfolio of Tata AIA Multi Cap Fund

The asset allocation of different companies which make up the portfolio of the Tata AIA Multi Cap Fund are given below:

Instrument	% Of NAV	Instrument	% Of NAV
Equity	95.99	Delhivery Ltd	1.86
HDFC Bank Ltd	5.60	Shyam Metalics and Energy Ltd	1.84
Interglobe Aviation Ltd	5.21	Mphasis Ltd.	1.75
Infosys Ltd.	5.08	Finolex Cables Ltd.	1.70
ICICI Bank Ltd.	4.60	Jindal Stainless Ltd.	1.69
MCX of India Ltd.	3.89	Axis Bank Ltd.	1.62
BSE Ltd	3.87	Prudent Corporate Advisory Services Ltd	1.56
Reliance Industries Ltd.	3.25	Aurobindo Pharma Ltd.	1.54
Zomato Ltd	2.63	Bharti Airtel Ltd.	1.46
Mankind Pharma Ltd	2.48	Wipro Ltd.	1.45
Trent Ltd.	2.45	Other Equity	25.93
Tata Motors Ltd.	2.24	MMI & Others	4.01
Power Finance Corporation Ltd.	2.16	Total	100.00
Mahindra and Mahindra Ltd.	2.14
Voltas Ltd.	2.10
Concord Biotech Ltd	1.98
Max Financial Services Ltd	1.96
IndusInd Bank Ltd.	1.93

Frequently Asked Questions

What are multi-cap funds?

A multi-cap fund invests in large-cap, mid-cap, and small-cap companies, which enables diversification in its portfolios across all market capitalisations.
Are multi-cap funds safe?

Multi-cap funds invest in equities. If investing in multi-cap funds, ensure that your risk profile matches the portfolio risk.
Who should invest in a multi-cap fund?

Investors seeking long-term capital appreciation through investment in equities and wanting to invest in large-cap, mid-cap and small-cap companies can choose a multi-cap fund. One should also select a multi-cap fund if their capacity for risk matches the risk profile of the multi-cap fund.
Which is better, large-cap or multi-cap?

The choice between a large-cap or multi-cap fund will depend on the investor’s risk profile. An investment in a large-cap fund is considered less risky than a multi-cap fund investment. However, multi-cap funds allow greater diversification across market capitalisations and help generate long-term capital appreciation.
How do I choose a multi-cap fund?
These are the following points to consider while choosing a multi-cap fund:
- Since multi-cap funds invest in mid, small, and large-cap equities, they can be riskier than large-cap funds. Hence, investors whose risk tolerance matches the fund's risk profile may find multi-cap funds suitable.
- Multi-cap funds are meant to be long-term investments as they aim to offer long-term capital appreciation. You may consider a multi-cap fund if you are looking for a long-term investment in equities.
- Check the past performance of the multi-cap fund you want to invest in. Over the last 5 years, if the fund has performed well and offered steady returns, you can consider investing in it.
What is the fund switch facility?

The fund switch facility provided in Tata AIA Life Insurance ULIPs allow the investor to switch from one fund to another if the existing choice of funds does not meet the investor’s expectations.

Tata AIA Life Insurance offers switching of funds for a policy year as per policy condition, during which the investor can move to other funds as and when needed.
How to check the fund NAV?

You can check our funds’ Net Asset Value (NAV) here. This is important for ULIP policyholders who have selected certain funds to invest in under their policy.

Just select the name of the fund and the time period to view the daily NAV. For instance, if you have invested in the Tata AIA Multicap Fund, you can select Tata AIA Multicap Fund in the dropdown.
What is the right time to buy a ULIP?

You can buy a ULIP when you have the financial capacity to start an investment and know how investments work. Since ULIPs combine life insurance and investment under the same policy, it is also advisable to purchase the policy in your 20s or early 30s so that the premium cost is reasonable and affordable. As you grow older, the premium amount will also increase.
How much can I invest in a ULIP?

The amount you want to invest in your ULIP will depend on your financial capacity, investment goals, and risk capacity. You can either pay the minimum annualised premium or choose an amount up to the maximum annualised premium limit as per your choice.
Where can I check my policy fund value?

If you have a Unit Linked Insurance Plan (ULIP) with Tata AIA Life Insurance, you can check the fund value by logging in to My DigiAccount. Click here.
Where can I check the other funds of Tata AIA Life Insurance?
Follow below steps:
- Visit our Fund Fact sheet corner on Tata AIA website
- Select year and month to download the fund factsheet
- View details of all the funds along with their objective and performance
What is the importance of diversifying the investment portfolio?
There are three main benefits of diversifying an investment portfolio:
- Firstly, with a diversified portfolio, your investment portfolio risk will not only be minimised but will also be able to withstand market volatility.
- Secondly, not all investments and asset classes perform the same at any point in time. A combination of different investments will allow your investment to grow as per the performing asset classes and eliminate the need for constantly monitoring the portfolio.
- Lastly, many investments grow on the principle of compound interest. When making a long-term investment with a diversified portfolio, all your investments can benefit from the power of compounding and enable optimal returns.
What does asset allocation mean?

As an investment strategy, asset allocation distributes the funds of a portfolio in different proportions into various asset classes. This is done to balance or maintain the risk profile of the investment.

Suppose an investment portfolio is being realigned as per an investor’s risk profile, investment goals and investment horizon. In that case, the asset allocation across different asset classes will be carried out to match the investor’s needs. Some may need to invest more in equities, while others may opt for greater asset allocation in debt instruments.

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Disclaimer
- 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 Multi Cap Fund (SFIN: ULIF 060 15/07/14 MCF 110). Tata AIA Multi Cap Fund is a part of various funds which a policyholder can choose from. For further details on funds, refer to the sales brochure.
- Param Raksha Life Pro+ 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 Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
- 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.
- Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Secure, A Non-Participating, Non-Linked Individual Health Product (UIN: 110N181V01). Tata AIA Health Pro and VitaHealth are also available for sale individually.
- ¹5-year computed NAV for Multi Cap Fund as of Dec 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
- ²Tata AIA Multi Cap Fund is rated 5 stars by Morningstar as of December 31, 2024
- ³©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.
- ⁴All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 31, 2024
- ⁵The Insured Amount under this option is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Condition for more details.
- ⁶Under SurgiCash Benefit of the Tata AIA Health Secure Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.
- ⁷Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. Tax laws are subject to change from time to time. 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.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Smart Sampoorna Raksha Supreme and Tata AIA Health Pro 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.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- 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).
- Investments 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 make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- 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 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.
- Premium paid in the 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.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- Insurance cover is available under the product.
- The products are underwritten by Tata AIA Life Insurance Company Ltd.
- The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Advt/2025/Feb/0943