Tata AIA Delivers Superior Fund Performance Across ULIP Offerings
Varahi media.com online news, March13th,2025: Tata AIA Life Insurance continues to set new benchmarks in fund performance with its Unit Linked Insurance Plans (ULIPs). The company’s funds
Varahi media.com online news, March13th,2025: Tata AIA Life Insurance continues to set new benchmarks in fund performance with its Unit Linked Insurance Plans (ULIPs). The company’s funds have consistently outperformed market benchmarks, offering policyholders an ideal blend of long-term wealth creation and life insurance protection.
Strong Performance of Tata AIA Funds
5-Year CAGR Returns (as of February 28, 2025):
| Fund Name | Fund Return (%) | Benchmark Return (%) |
|---|---|---|
| Multi Cap Fund | 23.87% | 15.98% |
| Top 200 Fund | 24.31% | 15.98% |
| India Consumption Fund | 22.47% | 15.98% |
(Fund Benchmark: S&P BSE 200)
Tata AIA has solidified its reputation in investment-linked plans, consistently delivering strong returns. Notably, 99.93% of its AUM is rated 4 or 5 stars (5-year basis) by Morningstar—significantly higher than the industry average of less than 30%.
Tata AIA’s NFO Performance (as of Feb 28, 2025)
| Fund Name | AUM (₹ Cr) | Inception Date | Returns Since Launch (%) | Benchmark Returns (%) |
|---|---|---|---|---|
| Emerging Opportunities Fund | 1518.89 | 31-Dec-2022 | 23.37% | 20.66% |
| Dynamic Advantage Fund | 194.18 | 31-Mar-2023 | 20.30% | 10.74% |
| Sustainable Equity Fund | 63.17 | 31-Mar-2023 | 17.31% | 16.77% |
| Small Cap Discovery Fund | 966.60 | 24-Jul-2023 | 28.79% | 16.10% |
| Flexi Growth Fund | 613.47 | 31-Dec-2023 | 6.21% | 1.99% |
Tata AIA’s funds provide policyholders with access to high-growth equity opportunities while maintaining a strong focus on life and health insurance benefits. With a well-researched stock selection approach, the company ensures a balance between risk and return across all market caps.
Harshad Patil, EVP & CIO of Tata AIA, stated,
“We aim to deliver superior, consistent, and risk-adjusted long-term returns. Our bottom-up stock selection approach has enabled us to consistently outperform benchmarks.”
Tata AIA’s Resilience During Market Volatility
Investing during market downturns has proven beneficial for Tata AIA investors:
| Market Event | Fund Name | Amount Invested (₹) | Fund Value as of Feb 28, 2025 (₹) | CAGR (%) |
|---|---|---|---|---|
| Lehman Brothers Crisis (2008) | Top 200 | 1,00,000 (Feb 2009) | 14,99,679 | 18.44% |
| Demonetization (2016) | Top 200 | 1,00,000 (Dec 2016) | 4,67,891 | 18.70% |
| Multi Cap | 1,00,000 (Dec 2016) | 5,34,102 | 20.46% | |
| COVID-19 Crisis (2020) | Top 200 | 1,00,000 (Mar 2020) | 4,36,190 | 34.26% |
| Multi Cap | 1,00,000 (Mar 2020) | 4,33,517 | 34.09% |
How Consistent Investments Yield Superior Returns
Investors who utilized market downturns for additional investments saw impressive growth:
| Fund Name | Total Investment (₹) | Fund Value as of Feb 28, 2025 (₹) | CAGR (%) |
|---|---|---|---|
| Top 200 | 3,00,000 (Feb 2009, Dec 2016, Mar 2020) | 24,03,760 | 19.51% |
| Multi Cap | 3,00,000 (Oct 2015, Dec 2016, Mar 2020) | 15,23,587 | 23.11% |
These figures highlight the benefits of averaging down portfolios during market fluctuations, allowing investors to capitalize on attractive valuations.
As of February 28, 2025, Tata AIA’s Assets Under Management (AUM) have grown to ₹1,14,905 crores, marking a 19.70% YoY increase. This growth is driven by strong individual new business premium income and exceptional fund performance.
By consistently delivering superior investment returns, Tata AIA continues to redefine life insurance, offering policyholders an optimal mix of wealth creation and protection.
About Author
