Tata AIA Multi Cap Fund

The Tata AIA Multi Cap Fund is an equity-oriented fund that invests across large-cap, mid-cap, and small-cap companies, aiming for long-term capital appreciation by maintaining a diversified portfolio. It provides investors exposure to all market segments, helping reduce portfolio risk and maximize returns through strategic diversification.

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    Under sec 80C & 10(10D)

  • ₹1 Crore

    Invest ₹10k per month*

  • Zero LTCG Tax

Top performing plans˜ with High Returns**

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Investment Objective of Tata AIA Multi Cap Fund

The fund's primary goal is to generate long-term capital growth by investing in a mix of equity and equity-related instruments across different market capitalizations. This approach allows fund managers flexibility to explore opportunities across the market spectrum rather than being confined to a single segment.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 17.26% 14.35%
12.07%
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Global Equity Index Funds Strategy HDFC Life
Rating
 15.72% -
16.14%
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High Growth Fund Axis Max Life
Rating
 29.3% 22.69%
17.8%
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Pension India Consumption Fund ICICI Prudential Life
Rating
 20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 26.2% 23.37%
20.65%
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Accelerator Mid-Cap Fund II Bajaj Life
Rating
 21.27% 15.02%
14.59%
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Multiplier Birla Sun Life
Rating
 23.65% 17.38%
15.91%
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Pension Mid Cap Fund PNB MetLife
Rating
 34.5% -
18.41%
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Equity II Fund Canara HSBC Life
Rating
 16.95% 12.79%
10.94%
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US Equity Fund Star Union Dai-ichi Life
Rating
 14.69% -
13.87%
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  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: August 2025

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Portfolio Composition (Equity Holdings)

Holdings % Portfolio Weight
HDFC Bank Ltd 5.54
Infosys Ltd 5.13
InterGlobe Aviation Ltd 4.51
BSE Ltd 4.14
Reliance Industries Ltd 3.99
Multi Commodity Exchange of India Ltd 3.57
ICICI Bank Ltd 3.16
Trent Ltd 2.64
Zomato Ltd 2.62
Max Financial Services Ltd 2.54

Tata AIA Multi Cap Fund Performance 

Last 5 Years Returns Since Inception Returns
Tata AIA Fund Fund Return (%) Benchmark Return (%) Fund Return (%) Benchmark Return (%)
Multi Cap Fund 27.64% 16.57% 22.13% 13.37%

Data as of December 31, 2024

Key Benefits of Tata AIA Multi Cap Fund

Below are the key benefits of Tata AIA Multi Cap Fund: 

  • Diversified exposure to large, mid, and small-cap stocks.

  • Suitable for medium to long-term investors seeking capital appreciation.

  • Rated 5 stars by Morningstar as of December 31, 2024, indicating strong risk-adjusted performance.

  • Helps investors benefit from compounding and reduced volatility over time.

Fund Performance Highlights

  • NAV as of April 11, 2025, stands at ₹58.27 with a 5-year annualized return of 29.9%.

  • The fund has shown consistent growth since inception, demonstrating the effectiveness of its multi-cap strategy.

Fund Details of Tata AIA Multi Cap Fund

Feature Details
Fund Type Multi Cap Equity Fund
Investment Strategy Diversified across large, mid, small-cap
Equity Allocation Approximately 96%
Morningstar Rating 5 Stars (as of Dec 31, 2024)
Suitable For Medium to long-term investors seeking growth

Additional Information of of Tata AIA Multi Cap Fund

  • The fund is available as an investment option within Tata AIA Life Insurance Unit-Linked Insurance Plans (ULIPs), allowing investors to combine insurance with wealth creation.

  • It is managed by Tata Asset Management, which has over 25 years of experience in asset management.

  • The fund offers growth and income distribution options for investors.

Summary

Tata AIA Multi Cap Fund is a well-diversified equity fund that leverages the growth potential of companies across various market capitalizations. Its strong performance track record, combined with expert fund management and a 5-star Morningstar rating, makes it an attractive investment option for investors looking for long-term capital appreciation with balanced risk exposure.

FAQs

  • What is the investment strategy of the fund?

    The fund follows a multi-cap strategy, which means it invests in companies of all sizes — large, mid, and small caps — to balance risk and return. The fund manager dynamically allocates assets based on market opportunities and valuations.

  • What is the risk level of this fund?

    As an equity multi-cap fund, it carries a moderate to high risk profile. Investments in equities are subject to market fluctuations, but diversification across market caps helps reduce concentration risk.

  • Is there any exit load or penalty for redemption?

    Yes, the fund charges an exit load of 1% if units are redeemed within 365 days (1 year) from the date of investment. No exit load is charged after 1 year.

  • What is diversification in finance?

    In finance, diversification is a strategy of capital allocation which helps to reduce risk by reducing the exposure to a particular stock or any asset.

  • How does taxation on mutual fund investments work?

    Fund Type Short-term Capital Gain (STCG) Long-term Capital Gain (LTCG)
    Equity fund If Less than 12 months If 12 months or more
    Debt fund If Less than 36 months If 36 months or more
    Hybrid equity-oriented fund If Less than 12 months If 12 months or more
    Hybrid debt-oriented fund If Less than 36 months If 36 months or more
    LTCG and STCG Tax rates for Equity are – 10% and 15% (For LTCG, up to  ₹ 1 lakh in a year is tax-exempt). (*Tax benefit is subject to changes in tax laws.)
    LTCG and STCG Tax rates for Debt are – STCG Taxed at the investor’s income tax slab rate and LTCG 20%.

  • What is a “Cap” in equity markets?

    In the equity markets, Cap stands for market capitalization.

  • What are dividends in mutual funds?

    Dividends are the sum of money paid to the shareholder of a company out of its profit.

  • What is AUM?

    AUM is Asset Under Management which is the fund size of a mutual fund.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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