Tata AIA Delivers Benchmark-Beating Fund Performance Across Its ULIP Offerings
Bengaluru, Feb 03: Tata AIA Life Insurance continues to underscore the strength of its investment management capabilities, delivering consistent, benchmark-beating performance across its Unit Linked Insurance Plan (ULIP) funds. The company’s diversified fund portfolio is designed to help policyholders participate in long-term wealth creation, while also providing the protection benefits of life insurance.
Consistent Outperformance Across Core Funds
Over the last five years, Tata AIA’s core equity-oriented ULIP funds have delivered strong compounded annual growth rates (CAGR), significantly outperforming their benchmark. The Multi Cap Fund generated returns of 21.54%, while the Top 200 Fund delivered 22.45% and the India Consumption Fund returned 22.28%. In comparison, the S&P BSE 200 benchmark delivered returns of 14.86% over the same period.
Data as of December 31, 2025. Past performance is not indicative of future results.
The Top 200 Fund was launched on January 12, 2009, while the Multi Cap Fund and India Consumption Fund were both launched on October 5, 2015. This sustained outperformance reflects Tata AIA’s disciplined, research-led investment approach across market cycles.
Strong Fund Quality and Independent Validation
As of December 31, 2025, 96% of Tata AIA Life Insurance’s Assets Under Management (AUM) are rated 4 or 5 stars by Morningstar on a five-year basis, substantially higher than the life insurance industry average of 27%. This independent validation highlights the consistency and quality of Tata AIA’s investment performance.
Strong Performance of Recent ULIP Fund Launches
Tata AIA’s recently launched ULIP funds have also delivered robust returns since inception. The Emerging Opportunities Fund, launched on December 31, 2022, has generated returns of 25.86% since launch, outperforming its benchmark return of 23.39%.
The Dynamic Advantage Fund, launched on March 31, 2023, delivered returns of 19.97%, compared to its blended benchmark return of 11.86%. The Sustainable Equity Fund, launched on the same date, generated returns of 19.06%, broadly in line with its Nifty 100 ESG Index benchmark of 19.07%.
The Small Cap Discovery Fund, launched on July 24, 2023, has delivered strong returns of 31.41% since inception, significantly outperforming its benchmark return of 19.06%. Meanwhile, the Flexi Growth Fund, launched on December 31, 2023, generated returns of 16.16%, compared to its benchmark return of 10.83%.
Returns as of December 31, 2025. Investors should carefully assess their risk appetite, as these funds carry a high-risk profile.
Focus on Long-Term Wealth Creation
Commenting on the performance, Harshad Patil, Chief Investment Officer, Tata AIA Life Insurance, said:
“Our investment philosophy is centered on delivering long-term, sustainable value through disciplined, research-driven portfolio construction. India’s strong economic momentum—supported by structural reforms, rising incomes, and a growing investor base—continues to present compelling opportunities across market segments. We aim to capture these through a systematic, fundamental, factor-based approach that identifies companies with strong business models and attractive valuations, enabling resilient portfolios and meaningful participation in India’s long-term wealth creation journey.”
Growing Scale and Financial Strength
As of December 31, 2025, Tata AIA Life Insurance’s Assets Under Management stood at ₹1,45,256 crore, reflecting 21% year-on-year growth, driven by robust individual new business premium income and strong investment performance.
With a continued focus on quality investing, diversification, and disciplined risk management, Tata AIA Life Insurance remains committed to enhancing long-term customer value through its ULIP fund offerings.