Tata AIA SIP Plans

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.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

16.82%

High Growth Fund

16.57%

Top 200 Fund

13.25%

Accelerator Mid-Cap Fund II

13.43%

Opportunities Fund

9.13%

Growth Plus Fund

11.71%

Accelerator Fund

12.71%

Grow Money Plus Fund

14.1%

Multiplier

10.7%

Equity Top 250 Fund

11.43%

Future Apex Fund

10.91%

Opportunities Fund

12.95%

Frontline Equity Fund

15.2%

Virtue II

9.52%

Pension Dynamic Equity Fund

11.03%

Top 300 Fund

9.19%

Blue-Chip Equity Fund

Top Tata AIA SIP Investments in ULIP Plans in 2025

Some of the Top Tata AIA ULIP Plans that you can consider for regular investment in 2025 through market-linked investment funds are as follows:

Details of Tata AIA SIP Plans – Top 7 ULIP Funds

1. TATA AIA Multicap Momentum Quality Index Fund

   Tata AIA has launched the Multicap Momentum Quality Index Fund to achieve long-term capital growth. It invests in stocks that follow the Nifty 500 Multicap Momentum Quality 50 Index. 

   Features of SIP in TATA AIA Multicap Momentum Quality Index Fund:

   • Investment Objective: Invests in large-cap, mid-cap, and small-cap stocks using a momentum and quality strategy. The fund focuses on companies with strong financials and growth potential.

   • Launch Date: September 04, 2024

   • Benchmark Index: Nifty500 Multicap Momentum Quality 50 index 

   • NAV (as of 14 January 2025): ₹9.52

   • Fund Managers: Mr. Nitin Bansal & Mr. Shashank Khetawat

2. TATA AIA Small Cap Discovery Fund

   The Tata AIA Small Cap Discovery Fund aims to take advantage of the growth potential in smaller companies. It focuses on high-growth small-cap stocks and provides investors opportunities for significant returns while managing risk through diversification.

   Features of SIP in TATA AIA Small Cap Discovery Fund:

   • Investment Objective: Focuses on small-cap stocks with at least 65% allocation, targeting high-growth companies benefiting from India's economic growth, while offering life cover for financial security.

   • Launch Date: May 22, 2023

   • Benchmark Index: NIFTY Small cap 100 - 100% 

   • NAV (as of 14 January 2025): ₹18.428

   • Fund Managers: Mr. Nitin Bansal & Mr. Shashank Khetawat

3. TATA AIA Emerging Opportunities Fund

   The Tata AIA Emerging Opportunities Fund focuses on investing in companies with growth potential in emerging sectors. This fund looks to invest in innovative businesses that can offer substantial long-term returns.

   Features of SIP in TATA AIA Emerging Opportunities Fund:

   • Investment Objective: Targets emerging market opportunities in rapidly growing industries, investing in companies with strong growth potential through a diversified portfolio for long-term returns.

   • Launch Date: January 12, 2022

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

   • NAV (as of 14 January 2025): ₹18.72

   • Fund Managers: Mr. Nitin Bansal & Mr. Shashank Khetawat

4. TATA AIA Top 200 Fund

   The Tata AIA Top 200 Fund invests in the top 200 companies listed on Indian stock exchanges. It provides exposure to established companies with strong market positions, offering a balance of growth and stability.

   Features of SIP in TATA AIA Top 200 Fund:

   • Investment Objective: Invests in the top 200 companies listed on Indian stock exchanges, focusing on stable large-cap stocks to balance risk and returns with a diversified portfolio.

   • Launch Date: January 12, 2009

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

   • NAV (as of 14 January 2025): ₹172.20

   • Fund Managers: Mr. Rajeev Tewari

5. TATA AIA Multi Cap Fund

   The Tata AIA Multi Cap Fund invests in large, mid, and small-cap stocks. It aims to offer a balanced approach to equity investing by exploring opportunities across various market segments for optimal returns.

   Features of SIP in TATA AIA Multi Cap Fund:

   • Investment Objective: Invests across large-cap, mid-cap, and small-cap stocks to capture growth opportunities while maintaining a balanced risk profile through diversification.

   • Launch Date: July 15, 2014

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

   • NAV (as of 14 January 2025): ₹63.49

   • Fund Managers: Mr. Nitin Bansal & Mr. Shashank Khetawat

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:

Returns as of 18th September 2024

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

1. Tata Small Cap Fund

   Tata Small Cap Fund focuses on investing in small-cap companies, aiming for strong growth over the long term. It looks to take advantage of the potential growth in emerging businesses across different sectors.

   Features of SIP in Tata Small Cap Fund:

   • Investment Objective: Invests primarily in small-cap companies through rigorous research, focusing on strong fundamentals and growth potential, suitable for high-risk investors seeking significant long-term returns.

   • Launch Date: June 30, 1995

   • Benchmark Index: Nifty Small Cap 250 Index

   • NAV (as of 14 January 2025): ₹43.08

   • Fund Managers: Mr. Chandraprakash Padiyar & Mr. Jeetendra Khatri

2. Tata ELSS Tax Saver Fund

   Tata ELSS Tax Saver Fund is an equity-linked savings scheme that offers tax benefits under Section 80C. It mainly invests in equities, helping you save taxes while also giving you a chance for long-term capital growth.

   Features of SIP in Tata ELSS Tax Saver Fund:

   • Investment Objective: Offers long-term capital growth and tax benefits under Section 80C by investing predominantly in equity and equity-related instruments, ideal for wealth creation and tax-saving.

   • Launch Date: June 30, 1995

   • Benchmark Index: Nifty 500 Index

   • NAV (as of 14 January 2025): ₹47.43

   • Fund Managers: Mr. Sailesh Jain & Mr. Tejas Gutka

3. Tata Medium Term Fund

   The Tata Medium Term Fund is a debt mutual fund scheme launched by Tata Mutual Fund. It aims to provide stable income and moderate growth by investing in a mix of debt and equity. This fund is suitable for investors who want a balanced approach to risk and return over a medium-term period.

   Features of SIP in Tata Medium Term Fund:

   • Investment Objective: Balances growth and stability by investing in a mix of debt and equity securities, aiming for moderate risk-adjusted returns over a medium-term horizon.

   • Launch Date: June 30, 1995

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

   • NAV (as of 14 January 2025): ₹32.76

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

4. Tata Multi Asset Opportunities Fund

   Tata Multi Asset Opportunities Fund invests across different asset classes, including stocks, bonds, and commodities, to maximize returns. It’s ideal for investors who want a flexible investment strategy to handle market ups and downs.

   Features of SIP in Tata Multi Asset Opportunities Fund:

   • Investment Objective: Diversifies investments across equities, fixed income, and commodities to mitigate risks while pursuing long-term capital appreciation, suitable for balanced investors.

   • Launch Date: June 30, 1995

   • Benchmark Index: NA

   • NAV (as of 14 January 2025): ₹23.49

   • Fund Managers: Murthy Nagarajan, Sailesh Jain, Rahul Singh, and Tapan Shashank Khetawat

5. Tata Gold ETF FoF

   Tata Gold ETF FoF invests in gold exchange-traded funds (ETFs), giving you exposure to gold without needing to store it physically. It is an easy way to take advantage of gold price changes as part of your overall investment.

   Features of SIP in Tata Gold ETF FoF:

   • Investment Objective: Provides exposure to gold through investments in gold ETFs, offering a hedge against inflation and market volatility, ideal for risk-averse investors focused on wealth preservation.

   • Launch Date:  June 30, 1995

   • Benchmark Index: Domestic Price of Gold

   • NAV (as of 14 January 2025): ₹12.47

   • Fund Managers: N.A.

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:

• Disciplined Investing: SIP promotes financial discipline by automating regular investments. Removes emotional decisions from investing. Encourages consistent investment regardless of market fluctuations.

• 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.

• 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.

• Potential for High Returns: Equity SIPs invested in stocks historically yield high returns over the long term. Outperform other asset classes.

• 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.

• 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.

• 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.

How to Calculate Return on SIP Plans?

To assess the performance of your SIP investments and ensure they're aligned with your financial goals, calculating returns is essential. This can be done manually or with the SIP return calculator. An SIP calculator is a financial tool that estimates the expected returns on your SIP investments. By inputting details such as investment amount, tenure, and expected rate of return, the calculator provides an estimate of the accumulated wealth at the end of the investment period.

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.