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In this policy the investment risk in the investment portfolio is borne by the policyholder.
Pay ₹15,000/month 1 for 15 years
Get ₹2.7 Cr returns after 25 years
All funds rated 4 or 5 stars 2
5 yr CAGR of Benchmark Index 3 : 14.88%
Zero premium allocation charges
1 Illustrative returns @4%: 34.8 Lakh | @8%: ₹90.6 Lakh | @14.88%: ₹4.3 Cr 2 14.88% is the 5-year CAGR of Nifty 500 Index fund as of Feb’26, which is projected for 30 years after adjusting for all expenses. Available with Tata AIA Premier SIP. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C apply. .. Read More Illustration shows a monthly premium of ₹15,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 12 years, policy term: 30 years in Future Secure plan option. The linked insurance product does not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially until the end of the fifth year.
The primary objective of the fund is to generate capital appreciation by investing in India's top leading companies, that focus on innovation for long term value creation. The fund maintains flexibility to invest in carefully selected companies that offer opportunities across large or mid capitalization space. Its dynamic asset allocation allows 60%–100% investment in equity and equity-related instruments for growth potential.
Invest in India’s Innovators Across Sectors
Balanced portfolio Across Large & Mid-Caps
Customer-centric investment philosophy
Focus on High-Quality Growth Businesses
Invests in companies adopting innovative strategies through new products, processes, or business models.
Provides exposure to both large-cap stability and mid-cap growth potential.
Invests in companies with strong fundamentals and long-term growth drivers across sectors.
Our experienced Tata AIA fund managers adjust investments manage volatility effectively, and capture opportunities from India’s structural growth story.
Investments in multiple sectors and across market caps help avoid over-concentration and single-theme risk.
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.
Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V08)
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Tata AIA Large Mid Cap Innovation Pension Fund
Fund Management Charges
Equity & Equity-related instruments: 60%-100%
Cash/Money Market Instruments, Bank Deposits and Mutual Funds: 0–40%
Total experience of 15+ years. Experienced fund manager with expertise in managing diversified equity portfolios
Source: niftyindices.com| 1 Data as on Feb 27, 2026 | Benchmark Index – NSE 500 Index
Since Inception CAGR 6
India Consumption Fund
5 Data as on Feb, 2026, | 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. 6Inception 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.
Assets Under Management 7
All funds rated 4 or 5 by stars 4 by Morningstar 8
Presence across major cities in India
Families protected so far 9
Individual Death Claim Settlement Ratio for FY24-25 10
Our experts are happy to help you
Our experts are happy to help you!
1. What is an Large Mid Cap Innovation Pension fund? Large Mid Cap Innovation Pension Fund is designed to measure the performance of the 50 companies in the BSE Large, Mid and Small Cap with the highest valuations based on three fundamental measures – book value-to-price, earnings-to-price and sales-to-price.
2. What is the investment objective of Tata AIA Large Mid Cap Innovation Pension Fund? The primary objective of a Large Midcap Innovation Fund is to generate capital appreciation by investing in India's top leading companies, that focus on innovation for long term value creation.
3. What is the benchmark of Tata AIA Large Mid Cap Innovation Pension Fund? NSE 500 Index is the underlying benchmark of Tata AIA Large Mid Cap Innovation 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.
4. What is the FMC (expense ratio) of Tata AIA Large Mid Cap Innovation Pension Fund? The Tata AIA Large Mid Cap Innovation Pension Fund has an expense ratio of 1.35% per annum.
5. What is the asset allocation pattern?
6. Who is the fund manager of Tata AIA Large Mid Cap Innovation Pension Fund? Nitin Bansal will be the fund manager of Tata AIA Large Mid Cap Innovation Pension Fund.
7. What is the risk profile of Tata AIA Tata AIA Large Mid Cap Innovation Pension Fund? As investments are mainly focused in the equity market, the Tata AIA Large Mid Cap Innovation Pension Fund is categorised as a high-risk fund.
8. Is this fund suitable for long-term retirement planning? Yes. In general, equity-based pension funds perform well over long periods of time (10–20+ years), helping investors accumulate substantial retirement savings.
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 Large Mid Cap Innovation Pension Fund is a part of a various funds which a policyholder can choose from. For further details on funds, refer the sales brochure.
Tata AIA Large Mid Cap Innovation Pension Fund - SFIN: ULIF 100 31/03/26 LMI 110
Tata AIA Smart Pension Secure (UIN: 110L182V08) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Asset Allocation: Equity & Equity related instruments: 60%-100%, Debt: 0%-40%, Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0 – 40%
1 Illustration shows a monthly premium of ₹15,000 for Tata AIA Smart Pension Secure for a 40-year-old male, standard life, premium payment term: 15 years, policy term: 25 years with 100% investment in Tata AIA Multi Cap Fund in Future Secure plan option. 4% and 8% are assumed rates of return. 14.88% is the 5-year return of Nifty 500 Index as of February'26. Maturity amount: ₹40,75,243 at 4% returns, ₹82,00,059 at 8% returns and ₹ 2,70,60,375 at 14.88% returns. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Smart Pension Secure. The above values have been calculated assuming 14.88% CAGR, which is the past 5-year return of Nifty 500 Index Fund as of February'26.
2 All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
3 Benchmark Fund: NSE 500 Index. Data as of February, 2026. Source: https://www.niftyindices.com/market-data/return-profile
4 Loyalty additions only available with Option 2: Smart Pension Secure Plus. Loyalty additions and maturity boosters are only available for purchase through online/digital channels
5 Data as on February 2026, | 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.
6 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.
7 As on 31st Oct 2025, the company has a total Assets Under Management (AUM) of Rs 140,345 Crores
8 ©2025 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.
9 89,43,554 families protected till May 31, 2025
10 Individual Death Claim Settlement Ratio is 99.41% for FY 2024- 25 as per the latest annual audited figures.
Please consult your own tax consultant to know the tax benefits available to you.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure is only the names of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The 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.
Past performance is not indicative of future performance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
L&C/Advt/2026/Mar/2143