Tata AIA SIP Plans

Tata AIA SIP Plans offer a smart and hassle-free way to invest systematically in market-linked funds tailored to meet your financial goals. With Tata AIA SIP Plans, you can benefit from disciplined investing, potential long-term growth, and the expertise of Tata AIA Life Insurance.

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SIP Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80 C
Zero LTCG Tax
Zero LTCG Tax^ (Unlike 10% in Mutual Funds)
Disciplined & worry-free investing
Disciplined & worry-free investing

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 3 Years 5 Years 10 Years
Top 200 Fund Tata AIA 23.15% 27.3%
19.47%
View Plan
Virtue II PNB Metlife 21.78% 23.76%
17.76%
View Plan
Pure Equity Birla Sun Life 18.83% 19.17%
16.34%
View Plan
Growth Opportunities Plus Fund Bharti AXA 17.85% 18.97%
15.65%
View Plan
Pure Stock Fund Bajaj Allianz 17.49% 18.39%
15.52%
View Plan
Blue Chip Fund HDFC Standard 14.09% 14.83%
12.85%
View Plan
Growth Super Fund Max Life 14.38% 15.26%
12.72%
View Plan
Multi Cap Growth Fund ICICI Prudential 15.63% 13.98%
12.51%
View Plan
Equity Fund SBI 14.73% 14.91%
12.42%
View Plan
Growth Plus Fund Canara HSBC Oriental Bank 12.78% 12.27%
10.7%
View Plan

Updated as of May 2024

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  Returns
Fund Name 5 Years 10 Years RSI
Active Fund QUANT 27.80% 23.96%
21.08%
Large and Mid Cap Fund QUANT 23.27% 22.69%
19.64%
Flexi Cap Fund PARAG PARIKH 23.90% 20.22%
20.15%
Large and Mid Cap Fund EDELWEISS 20.32% 18.01%
16.76%
Equity Opportunities Fund KOTAK 20.22% 18.98%
17.44%
Large and Midcap Fund MIRAE ASSET 21.11% 24.56%
23.01%
Flexi Cap Fund PGIM INDIA 21.48% -
15.13%
Flexi Cap Fund DSP 19.48% 17.73%
15.82%
Emerging Equities Fund CANARA ROBECO 18.91% 22.92%
20.84%
Focused fund SUNDARAM 18.22% 16.55%
15.16%

Updated as of May 2024

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What is the Tata AIA SIP Plan?

The Tata AIA SIP Plan is a systematic investment plan offered by Tata AIA Life Insurance Company Limited. It allows you to invest regularly in a variety of market-linked funds or insurance products over a period.

The best SIP plans offered by Tata AIA Life are a disciplined approach to investing, where a fixed amount of money is invested at regular intervals, typically monthly or quarterly, to accumulate wealth over the long term.

With the Tata AIA SIP Plan, you can benefit from the potential returns of the market while managing risk through regular, systematic investments.

Top Tata AIA SIP Investments in ULIP Plans in 2024

Some of the Top Tata AIA ULIP Plans that you can consider for regular investment in 2024 through market-linked investment funds are as follows: 

Fund Name Risk Category 3-Year Returns 5-Year Returns RSI*
TATA AIA Multi Cap Fund Very High 24.1% 28.8% 22.3%
TATA AIA Flexi Growth Fund (New Fund Offer) Very High N.A. N.A. 3.4%
TATA AIA Whole Life Mid Cap Equity Fund Very High 20.6% 22.2% 15.8%
TATA AIA Emerging Opportunities Fund Very High N.A. N.A. 49%
TATA AIA Top 200 Fund Very High 22.9% 26.2% 19.3%
TATA AIA India Consumption Fund Very High 22.7% 25.5% 20.8%
TATA AIA Large Cap Equity Fund Very High 18.2% 20.7% 12.2%
TATA AIA Top 50 Fund Very High 18.4% 18.1% 15.1%
TATA AIA Whole Life Aggressive Growth Fund Very High 15.6% 17.8% 12.8%
TATA AIA Super Select Equity Fund Very High 14.8% 16.7% 14.4%
TATA AIA Whole Life Stable Growth Fund Moderate 12.6% 14.5% 10.4%
TATA AIA Whole Life Income Fund Low 5.7% 7.4% 7.8%
TATA AIA Whole Life Short-Term Fixed Income Fund Low 4.9% 5.8% 7%
TATA AIA Small Cap Discovery Fund High N.A. N.A. 40.6%
TATA AIA Dynamic Advantage Fund High  N.A. N.A. 32.4%
TATA AIA Sustainable Equity Fund High  N.A. N.A. 38.3%

Tata SIP Plans – Mutual Fund Schemes

You can also invest in the best SIP plans offered by Tata Mutual Fund House, through the following mutual fund schemes:

Fund Name Risk Category 3-Year Returns 5-Year Returns RSI*
Equity Funds
Tata Infrastructure Fund Very High 31.30% 25.60% 17.00%
Tata Small Cap Fund Very High 29.60% 27.40% 26.60%
Tata Midcap Fund Very High 23.60% 23.10% 20.70%
Debt Funds
Tata Medium Term Fund Moderately High 7.40% 3.30% 6.30%
Tata Dynamic Bond Moderate 7.40% 6.70% 8.80%
Tata Gilt Securities Fund Moderately High 6.20% 7.30% 8.180%
Hybrid Funds
Tata Multi Asset Opportunities Fund Very High 16.90% -- 21.60%
Tata Hybrid Equity Fund Very High 14.70% 14.80% 14.00%
Tata Balanced Advantage Fund High 14.20% 15.10% 15.00%
Solution Oriented Funds
Tata Retirement Savings Fund Progressive Plan Very High 14.80% 15.90% 16.10%
Tata Retirement Savings Fund Moderate Plan Very High 13.90% 14.60% 15.90%
Tata Retirement Savings Fund Conservative Plan Moderately High 7.70% 9.00% 10.10%
Other Category Funds
Tata Nifty 50 Index Fund High 14.80% 15.80% 13.50%
Tata S&P BSE Sensex Index Fund Very High 13.50% 15.50% 13.20%
Tata Nifty Midcap 150 Momentum 50 Index Fund Very High -- -- 58.50%

People also read: Tata AIA Midcap Momentum Index Fund

Details of Tata AIA SIP Plans – Top 7 ULIP Funds

  1. TATA AIA Multi Cap Fund

    The Tata AIA Multi Cap Fund is a diversified equity fund that invests in companies across large, mid, and small-cap segments. The fund's objective is to achieve long-term capital growth by investing in a portfolio of equity and equity-related instruments.

    Features of SIP in TATA AIA Multi Cap Fund:

    • Investment Objective: The fund aims to grow capital over the long term by investing in a mix of Large Cap and Mid Cap companies. The balance between the two depends mainly on how their valuations compare.

    • Launch Date: July 15, 2014

    • Asset Allocation (as of March 12 2024): Equity (97.22%) and Money Market (2.78%)

    • Benchmark Index: S&P BSE 200 – 100%

    • Assets Under Management (AUM): ₹ 4,970.94 Cr.

    • Fund Managers: Mr. Nitin Bansal

    • Current NAV (as of January 31, 2024): ₹ 55.45

  2. TATA AIA Flexi Growth Fund

    The Tata AIA Flexi Growth Fund is a Unit Linked Insurance Plan (ULIP) offered by Tata AIA Life Insurance. It is a market-linked investment product that invests in a portfolio of stocks across market capitalizations. The fund manager has the flexibility to invest in large, mid, or small cap stocks.

    Features of SIP in TATA AIA Flexi Growth Fund:

    • Investment Objective: The Fund aims to grow capital over the long term by investing in a mix of stocks across different company sizes. It can choose from large, mid, or small companies. The Fund mainly invests in stocks (70%-100%) and may also allocate a portion to Debt and Money Market Securities (0%-30%).

    • Launch Date: April 25, 2023

    • Asset Allocation (as of March 12 2024): Equity (90.73%) and Money Market (9.27%)

    • Benchmark Index: NIFTY 500 Index

    • Assets Under Management (AUM): ₹ 193.88 Cr.

    • Fund Managers: Mr. Nitin Bansal & Mr. Pankaj Agarwal

    • Current NAV (as of January 31, 2024): ₹ 10.27

  3. TATA AIA Whole Life Mid Cap Equity Fund

    The TATA AIA Whole Life Mid Cap Equity Fund is a Unit Linked Insurance Plan (ULIP) offered by Tata AIA Life Insurance. This fund invests primarily in mid-cap companies in India. Mid-cap companies are typically those with a market capitalization between ₹ 250 crore and ₹ 25,000 crore.

    Features of SIP in TATA AIA Whole Life Mid Cap Equity Fund:

    • Investment Objective: The Fund aims to grow capital over the long term by mainly investing in Mid Cap Equity and related securities. Large cap equity shares will make up no more than 20% of the portfolio.

    • Launch Date: Jan 01, 2007

    • Asset Allocation (as of March 12 2024): Equity (96.81%) and Money Market (3.19%)

    • Benchmark Index: Nifty Midcap 100 -100%

    • Assets Under Management (AUM): ₹ 11,510.91 Cr.

    • Fund Managers: Mr. Rajeev Tewari

    • Current NAV (as of January 31, 2024): ₹ 123.8895

  4. TATA AIA Emerging Opportunities Fund

    The Tata AIA Emerging Opportunities Fund is a Unit Linked Insurance Plan (ULIP) offered by Tata AIA Life Insurance. This fund aims to generate consistent, long-term, risk-adjusted market-linked returns to the policyholders. The fund invests primarily in mid-cap companies, with the flexibility to also invest in large-cap and small-cap companies.

    Features of SIP in TATA AIA Emerging Opportunities Fund:

    • Investment Objective: To increase capital over the long haul by focusing primarily on Mid Cap Equity and related securities. Large cap equity shares will account for no more than 20% of the portfolio.

    • Launch Date: January 01, 1991

    • Asset Allocation (as of March 12 2024): Equity (96.30%) and Money Market (3.70%)

    • Benchmark Index: Nifty Midcap 100 - 95% CRISIL Liquid Fund Index - 5%

    • Assets Under Management (AUM): ₹ 5481.75 Cr.

    • Fund Managers: Mr. Nitin Bansal & Mr. Pankaj Agarwal

    • Current NAV (as of January 31, 2024): ₹ 851.13

  5. TATA AIA Top 200 Fund

    The Tata AIA Top 200 Fund is a Unit Linked Insurance Plan (ULIP) offered by Tata AIA Life Insurance. It is an equity-oriented fund that invests in a basket of the top 200 companies in India by market capitalization.

    Features of SIP in TATA AIA Top 200 Fund:

    • Investment Objective: The Top 200 fund will put your money into selected stocks and similar investments from the BSE 200 Index. It wants your investment to grow over a long time. It won't just copy the index, it aims to do better. And if the market gets tough, it might also invest in safer options like debt and money markets.

    • Launch Date: January 12, 2009

    • Asset Allocation (as of March 12 2024): Equity (97.66%) and Money Market (2.34%)

    • Benchmark Index: S&P BSE 200 - 100%

    • Assets Under Management (AUM): ₹ 1,606.29 Cr.

    • Fund Managers: Mr. Nitin Bansal

    • Current NAV (as of January 31, 2024): ₹ 147.52

Details of Tata AIA SIP Plans – Top 5 Mutual Fund Schemes

  1. Tata Medium Term Fund

    The Tata Medium Term Fund was a debt mutual fund scheme launched by Tata Mutual Fund. It was merged with Tata Corporate Bond Fund on September 24, 2022.

    Features of SIP in Tata Medium Term Fund:

    • Investment Objective: The plan aims to make money and increase its value in the medium run.

    • Launch Date: June 30, 1995

    • Asset Allocation (as of March 12 2024): Debt (96.10%) and Money Market (3.90%)

    • Benchmark Index: CRISIL Medium Duration Debt B-III Index 

    • Assets Under Management (AUM): ₹ 76.11 Cr.

    • Fund Managers: Mr. Murthy Nagarajan & Mr. Abhishek Sonthalia

    • Current NAV (as of January 31, 2024): ₹ 32.76

  2. Tata Infrastructure Fund

    The Tata Infrastructure Fund is a mutual fund scheme offered by Tata Mutual Fund. It is an open-ended equity scheme that invests predominantly in companies in the infrastructure sector.

    Features of SIP in Tata Infrastructure Fund:

    • Investment Objective: To generate both regular income and solid returns over the medium to long term by mainly investing in stocks or similar assets of companies in the infrastructure industry.

    • Launch Date: June 30, 1995

    • Asset Allocation (as of March 12 2024): Equity (95.20%) and Money Market (4.00%)

    • Benchmark Index: S&P BSE India Infrastructure Total Return Index 

    • Assets Under Management (AUM): ₹ 1,804.17 Cr.

    • Fund Managers: Mr. Abhinav Sharma

    • Current NAV (as of January 31, 2024): ₹ 174.20

  3. Tata Multi Asset Opportunities Fund

    The Tata Multi Asset Opportunities Fund is a multi-asset allocation fund offered by Tata Mutual Fund. It invests in a variety of asset classes, including equity, debt, exchange-traded commodity derivatives, and REITs & InvITs.

    Features of SIP in Tata Multi Asset Opportunities Fund:

    • Investment Objective: The investment objective of Tata Multi Asset Opportunities Fund is to generate long term capital appreciation.

    • Launch Date: June 30, 1995

    • Asset Allocation (as of March 12 2024): Equity (57.00%), Debt (10.40%), and Money Market (27.20%)

    • Benchmark Index: MCX I-COMDEX Composite Index 

    • Assets Under Management (AUM): ₹ 2,500.91 Cr.

    • Fund Managers: Mr. Murthy Nagarajan, Mr. Sailesh Jain, Mr. Rahul Singh, & Mr. Tapan Patel

    • Current NAV (as of January 31, 2024): ₹ 21.95

  4. Tata Nifty 50 Index Fund

    The Tata Nifty 50 Index Fund is a large-cap index mutual fund offered by Tata Mutual Fund. It is a passively managed fund, which means it tracks the performance of the Nifty 50 index. The Nifty 50 index is a benchmark index that represents the top 50 companies listed on the National Stock Exchange of India.

    Features of SIP in Tata Nifty 50 Index Fund:

    • Investment Objective: To generate long-term capital appreciation by investing in a diversified portfolio of small-cap stocks.

    • Launch Date: June 30, 1995

    • Asset Allocation (as of March 12 2024): Equity (99.90%) and Money Market (0.10%)

    • Benchmark Index: NIFTY 50 Total Return Index 

    • Assets Under Management (AUM): ₹ 626.48 Cr.

    • Fund Managers: Mr. Sonam Udasi

    • Current NAV (as of January 31, 2024): ₹ 148.44

  5. Tata Retirement Savings Fund- Progressive Plan

    The Tata Retirement Savings Fund - Progressive Plan is a flexi-cap mutual fund scheme offered by Tata Mutual Fund. It is designed for investors who are planning for their retirement. The fund invests in a mix of equity and debt instruments, with the asset allocation gradually shifting towards debt as the investor nears retirement.

    Features of SIP in Tata Retirement Savings Fund - Progressive Plan:

    • Investment Objective: The plan wants to make money in the long run by investing in certain stocks from the Nifty 50 Index, just like they're listed in the index, without worrying about how good each investment might be.

    • Launch Date: January 01, 1991

    • Asset Allocation (as of March 12 2024): Equity (97.20%) and Money Market (2.80%)

    • Benchmark Index: NIFTY 500 Index 

    • Assets Under Management (AUM): ₹ 1,723.13 Cr.

    • Fund Managers: Mr. Murthy Nagarajan & Mr. Sonam Udasi

    • Current NAV (as of January 31, 2024): ₹ 65.26

People also read: Tata Life Flexi Growth Fund

Benefits of Investing in Tata AIA SIP Plans

There are several benefits of investing in the best SIP Plans offered by Tata AIA SIP plans, such as follows:

  1. Disciplined Investing:

    • SIP promotes financial discipline by automating regular investments.

    • Removes emotional decisions from investing.

    • Encourages consistent investment regardless of market fluctuations.

  2. Rupee-Cost Averaging:

    • SIP allows buying more units when market prices are low and fewer units when prices are high.

    • Averages out the cost per unit over time.

  3. Flexibility:

    • Offers flexibility in investment amount, tenure, and frequency.

    • Start with a small amount and adjust as income grows.

    • Tenure can be aligned with financial goals.

  4. Potential for High Returns:

    • Equity SIPs invested in stocks historically yield high returns over the long term.

    • Outperform other asset classes.

  5. Life Cover:

    • Certain SIP plans, like Tata AIA ULIPs, provide life cover.

    • Ensures the family receives a payout in case of the policyholder's demise during the policy term.

  6. Tata AIA SIP Calculator:

    • Tata AIA offers an SIP calculator tool, helping you in planning your investments effectively.

    • Helps in estimating potential returns based on investment amount, tenure, and expected rate of return.

    • Allows you to make informed decisions and adjust your SIP parameters to align with your financial goals.

  7. Tax Benefits:

    • Investments in ULIPs qualify for tax deductions under Section 80C and Section 10(10D) of the Income Tax Act.

    • Allows a deduction of up to Rs 1.5 lakh per year on taxable income and tax free maturity amount if the total annual premium amount is below Rs. 2.5 lakhs.

Summing It Up

Tata AIA SIP Plans offer a strategic and accessible approach to investing. These best investment plans provide you with the opportunity to achieve your financial goals through systematic investments. With a range of flexible options and expert guidance, Tata AIA SIP Plans empower you to build wealth steadily over time while mitigating risk.

FAQ's

  • What is a Tata AIA SIP Plan?

    A Tata AIA SIP (Systematic Investment Plan) is a type of Unit-Linked Insurance Plan (ULIP) that allows you to invest a fixed amount of money regularly into a chosen fund. It promotes a disciplined savings approach and benefits from rupee-cost averaging.
  • What are the benefits of Tata AIA SIP plan?

    Some benefits include disciplined investing, potential for long-term wealth creation, market volatility mitigation through rupee-cost averaging, life insurance coverage (depending on the plan), and tax savings under Section 80C.
  • What types of funds can I invest in Tata AIA SIP plan?

    Tata AIA SIP plans typically offer a variety of investment funds with different risk-reward profiles. These may include equity funds, debt funds, balanced funds, and more.
  • Are there any charges in Tata AIA SIP plans?

    There may be some charges involved, such as premium allocation charges or policy administration charges. However, some plans offer zero such charges.

+For Mutual Fund midcap category Returns https://www.morningstar.in/tools/mutual-fund-category-performance.aspx & for Insurance midcap fund category Returns- https://www.morningstar.in/tools/insurance-fund-category-performance.aspx
*Past 10 Year annualised returns as on 01-12-2023
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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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