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In this policy the investment risk in the investment portfolio is borne by the policyholder.
Pay ₹10,000/month 1 for 10 years, Generate ₹5.8 Cr retirement corpus 2 (@29.46%)
Get ₹3.5 Cr tax-free 2 returns at the age of 60
₹2.3 Cr invested in annuity plans
5 yr Index Returns 3 : 29.46%
1 Illustrative returns @4%: ₹16.7 Lakh, @8%: ₹30.2 Lakh, @₹29.46%: ₹5.8 Cr. Policy term: 20 years. Past performance is not indicative of future performance. Source: BSE Fund Fact Sheets. Returns as of 31st December 2025. T&C apply.. 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.
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4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund Returns since inception: 20.38% (Benchmark: 12.98%) as of Nov'25
by paying a premium of ₹21,749/month (for 5 years)
Total premium: ₹14.09 Lakh
Save ₹1,202 with discounts
10% discount on health product premium every year Additional fund booster will be added at the end of the policy term which is a defined % of average fund value on the last business day of the last eight policy quarters (2 years)
Returns as of November, 2025
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.
Tata AIA Enhanced Value Index Pension Fund is a long-term capital appreciation–oriented fund that invests primarily in equities aligned to a customised Enhanced Value Index. The fund seeks to closely track index-based returns, subject to tracking error, while providing disciplined equity exposure within a retirement-focused framework. With exposure to fundamentally strong businesses, the fund seeks to support policyholders in achieving their long-term retirement goals.
Undervalued stocks with growth potential
Diversified portfolio reducing individual risk
Retirement wealth creation with life cover
Consistent returns via passive management
The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a portfolio of stocks that are aligned to the Enhanced Value Index, customized as per IRDAI regulatory requirements. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error. The fund will invest 70%-100% in Equity and Equity related instruments and 0%-30% in Cash and Money Market Securities.
With exposure to fundamentally strong businesses, the fund seeks to support policyholders in achieving their long-term retirement goals.
Get a steady source of income post-retirement and save tax up to ₹46,800 2
Secure your family’s future with life cover while growing your retirement corpus through market-linked 3 returns.
Our funds have been rated 4 or 5 stars 4 by Morningstar 5 , reflecting their strong performance and reliability over the years.
The fund offers investors access to leading, innovative, and emerging companies across multiple sectors and market capitalization.
Our experienced Tata AIA fund managers adjust investments manage volatility effectively, and capture opportunities from India’s structural growth story.
Diversification provides stability and reduces volatility, which are important considerations when building a retirement portfolio.
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.
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Tata AIA Enhanced Value Index Pension Fund
BSE 500 Enhanced Value 50 Customised Index
Fund Management Charges
Equity & Equity-related instruments: 70%-100%
Cash / Money Market Instruments, Bank Deposits and Mutual
Nimesh Mistry Total experience of 20+ years. Experienced fund manager with expertise in managing diversified equity portfolios.
The BSE 500 Enhanced Value 50 is designed to measure the performance of the 30 companies in the Large and mid-cap space with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.
Source: BSE Fund Fact Sheet | 1 Data as on December 31, 2025 | Benchmark Index – BSE Enhanced Value Index
Tata AIA Fund Performance
Since Inception CAGR 8
India Consumption Fund
12 Data as on Dec 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. 13 Inception 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.
NFO Window: 9 February 2026 to 16 February 2026
Assets Under Management 11
All funds rated 4 or 5 by stars 4 by Morningstar 5
Presence across major cities in India
Families protected so far 12
Individual Death Claim Settlement Ratio for FY24-25 13
Our experts are happy to help you!
Enhanced Value Index is designed to measure the performance of the 30 companies in the BSE Large and Mid Cap with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.
The Pension generate capital appreciation in the long term by investing in a portfolio of stocks that are aligned to the Enhanced Value Index Pension Fund.
BSE Enhanced Value Index is the underlying benchmark of Tata AIA Enhanced Value Index Pension Fund which is designed to measure the performance of the 30 companies in the BSE Large and Mid Cap with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.
The Tata AIA Enhanced Value Index Pension Fund has an expense ratio of 1.35% per annum.
Nimesh Mistry will be the fund manager of Tata AIA Enhanced Value Index Pension Fund.
As investments are mainly focused in the equity market, the Tata AIA Enhanced Value Index Pension Fund is categorised as a high-risk fund.
Yes. In general, equity-based pension funds perform well over long periods of time (10–20+ years), helping investors accumulate substantial retirement savings.