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In this policy, the investment risk in investment portfolio is borne by the policyholder
Momentum + Quality: The Winning Formila for Early Retirement
26.78% returns 5-year benchmark index CAGR 8
All funds are rated 4 or 5 star 1 by Morningstar 2
Save tax 4 up to ₹46,800 12
Source: NSE indexogram Factsheet, December 2024. Data as on 31st December. Past performance is not indicated of future performance. 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.
Retirement planning is not just about saving—it’s about growing your wealth and building a corpus steadily over time. The Tata AIA Life Multicap Momentum Quality Index Pension Fund is built for investors who want to grow their retirement corpus through a quant-based, rule-driven investment strategy. By investing in quality stocks with momentum, this fund offers a strong foundation for a financially secure future.
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 Multicap Momentum Quality Index. It aims 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 80%-100% in Equity and Equity related instruments and 0%-20% in Cash and Money Market Securities.
Grow your pension corpus with multi-cap, momentum, and quality investment strategies.
Beat inflation with long-term equity investments designed for sustainable growth over long-term.
Combine the advantages of both momentum and quality strategies in your investment plan .
Diversify your investment portfolio with multi-cap stock selection.
Avail comprehensive life cover with Tata AIA Smart Pension Secure and build your retirement corpus.
Get income tax benefits as per applicable tax 4 laws and save more.
In this policy, the investment risk in investment portfolio is borne by the policy holder
Zero Premium allocation charges
Grow your retirement corpus with our top rated1 funds
Earn loyalty addition 3 and maturity booster for staying invested
Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V01)
Tata AIA Life Multicap Momentum Quality Index Pension Fund Details
Nifty 500 Multicap Momentum Quality 50 Index
Fund Management Charges
Equity & Equity related instruments - 80%-100%
Cash/ Money Market Instruments, Bank Deposits and Mutual Funds - 0-20%
Benchmark Fund Performance
Nifty 500 Multicap Momentum Quality 50
Source: NSE Indexogram Factsheet, December 2024. 8 Data as on 31 December 2024. Past performance is not indicative of future performance.
Rs. 10,000/month invested since 2015 would be Rs. ₹61,08,199 today at 27% returns.
This is the power of compounding. Compounding helps your money grow exponentially over time by reinvesting returns to generate additional earnings. The longer you stay invested, the greater the impact, creating a snowball effect that accelerates wealth creation.
How it helps in wealth creation?
Want to know how much wealth you can create? Use our compound interest calculator.
Returns as of '26 . Fund ratings by Morningstar as of July'26.
Returns Since Launch 5
Small Cap Discovery Fund
5 Data as of Dec 31, 2024. Past performance is not indicative of future performance. Rising India Fund - NSE Nifty 500; Flexi Growth Fund - NIFTY 500 Index; Small Cap Discovery Fund - NIFTY Small cap 100 - 100% | Rising India Fund - SFIN: Flexi Growth Fund: ULIF 068 25/04/23 FGF 110; Small Cap Discovery Fund: ULIF 071 22/05/23 SCF 110; Rising India Fund - ULIF 073 17/01/24 RIF 110.
Last 5 Years Returns 6
Since Inception 7 Returns
Benchmark Return (%) 6
Benchmark Return (%) 7
India Consumption Fund
6 Data as of December 31, 2024. 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. 7 Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.
The Tata AIA Life Multicap Momentum Quality Index Pension Fund is ideal for:
Investors with a long-term retirement goal, looking to build their retirement corpus systematically.
Investors who want to capitalize on India’s stock market potential while managing risk effectively.
Individuals who prefer a data-driven, quant-based investment strategy rather than just relying on speculation.
Investors seeking market-linked growth opportunities within a structured and disciplined investment framework.
NFO Window: 21 st February 2025 – 28 th February 2025
Assets Under Management 9
All funds rated 4 or 5 by stars 1 by Morningstar 2
Presence across major cities in India
Families protected so far 10
Individual death Claim Settlement Ratio 11
Our experts are happy to help you!
What is the investment objective of Tata AIA Life Multicap Momentum Quality Index Pension Fund?
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 Multicap Momentum Quality Index. 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.
How does the Tata AIA Life Multicap Momentum Quality Index Pension Fund work?
The Tata AIA Life Multicap Momentum Quality Index Pension Fund invests in a diversified mix of large-cap, mid-cap, and small-cap stocks using a momentum and quality-based strategy .
Momentum Strategy: Momentum investing captures stocks that are already performing well, ensuring participation in market uptrends.
Quality Investment: This fund invests in strong, stable companies with good financial health, reducing risk during market downturns.
Diversification: By investing across different types of companies, the fund spreads risk and captures growth from both big, established firms and fast-growing businesses.
What is the proportion of investment between equity and debt components?
Equity & Equity-related instruments
Cash, Money Market Instruments, Bank Deposits & Mutual Funds
With a higher proportion of the Equity & Equity-related instruments, this fund aims to capture the growth potential of trending stocks while maintaining sufficient liquidity to manage risk effectively in volatile conditions.
How can I track the performance of my investment?
You can track the performance of your investment through your Tata AIA customer portal account. We provide regular updates on your fund’s performance
Tata AIA Multicap Momentum Quality Index Pension Fund is part of a various funds which a policyholder can choose from. For further details on funds refer the sales brochure. • Tata AIA Multicap Momentum Quality Index Pension Fund (SFIN: ULIF 086 28/02/25 MQP 110).
Tata AIA Smart Pension Secure (UIN: 110L182V01) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Asset Allocation: Equity & Equity related instruments - 80%-100%, Debt: 0%, Cash/ Money Market Instruments, Bank Deposits and Mutual Funds: 0-20%.
1 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024
2 ©2024 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.
3 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
4 Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
9 As on 31st December 2024, the company has a total Assets Under Management (AUM) of Rs 119,602.78 Crores
10 85,76,889 families protected till December ’24.
11 Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
12 Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. 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. The underlying Fund’s NAV will be affected by interest rates and the performance of the underlying stocks. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the Company"). The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
The products are underwritten by Tata AIA Life Insurance Company Limited. The plans are not guaranteed issuance plans, and it will be subject to Company's underwriting and acceptance. Whilst every care has been taken in the preparation of this content, it is subject to correction and markets may not perform in a similar fashion based on factors influencing the capital and debt markets; hence this advertisement does not individually confer any legal rights or duties. This is not an investment advice, please make your own independent decision after consulting your financial or other professional advisor.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the Company).
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure are 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. This is not an investment advice, please make your own independent decision after consulting your financial or other professional advisor.
Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
Insurance cover is available under the product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
The products are underwritten by Tata AIA Life Insurance Company Limited.
The plans are not guaranteed issuance plans, and it will be subject to Company's underwriting and acceptance.
L&C/Advt/2025/Feb/0428
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