New ULIP-linked fund combines life insurance protection with a
rules-based, low-volatility equity strategy designed for steadier long-term
wealth creation
Mumbai: Market
volatility makes it difficult for investors to stay committed to long-term
financial goals. Tata AIA Life Insurance has launched the Tata AIA
Multifactor Index Fund, a unit-linked solution designed to offer equity
market participation along with life insurance protection.
Fund Strategy
The fund selects 50
companies from the Nifty 500 universe using a combination of four factors: low
volatility, quality, value and momentum. The emphasis on low volatility targets
companies that have historically shown more stable price movements, helping
investors pursue a steadier, more resilient investment journey while
participating in equity market growth.
Why This Matters
India continues to offer
strong long-term growth potential, supported by consumption, manufacturing,
infrastructure development and digital expansion. However, markets do not move
in a straight line. A single-theme or single-style approach can concentrate
risk, leaving investors more exposed to specific market downturns. The Tata AIA
Multifactor Index Fund addresses this by combining multiple drivers of return.
The low-volatility component reduces exposure to sharp price fluctuations,
while the quality, value and momentum factors support long-term growth
potential.
A Disciplined Approach
Available through Tata AIA's
ULIP solutions, the fund enables customers to combine market-linked investment
opportunities with life insurance protection. The strategy is designed for
long-term wealth creation using a passive, quantitative framework. By following
a rules-based approach, the fund reduces dependence on discretionary stock
selection and ensures consistency in portfolio construction and rebalancing.
Key Features
- Benchmark:
Nifty 500 Multifactor MQVLv 50 Index (Customised)
- Equity Allocation:
80% to 100%
- Cash and Money Market Allocation:
0% to 20%
- Portfolio:
50 companies from the Nifty 500
- Strategy:
Passive, quantitative multifactor approach
New Fund Offer Details
The NFO period runs from 23
June to 30 June 2026. All policies sourced during this period will be issued at
a Net Asset Value of ₹10, effective 30 June 2026.
The Tata AIA Multifactor
Index Fund is designed for long-term customers seeking steadier participation
in India's growth story through a market-linked life insurance solution. For
detailed information, visit www.tataaia.com.
Product Availability
The Tata AIA Multifactor Index
Fund will be available across several of the company’s unit linked
insurance plans, including solutions Tata AIA Shubh Muhurat, Tata AIA Shubh
Fortune, Tata AIA Shubh Health Pro, Tata AIA Smart Insurance Sampoorna Raksha,
Tata AIA Life Smart Sampoorna Raksha Supreme, Tata AIA Shubh Health Plus, Tata
AIA Param Raksha Life Pro, TATA AIA Premier SIP, Tata AIA Param Raksha Life
Advantage+, Param Raksha Life Maxima+, Tata AIA iSIP (Systematic Insurance
Plan), Tata AIA Health SIP, Tata AIA Param Raksha Life Growth+, Tata AIA Param
Raksha Life Pro+, Tata AIA Smart Sampoorna Raksha Pro, Tata AIA Smart SIP, Tata
AIA Param Raksha Life, Tata AIA Param Raksha Plus 2.0, Tata AIA Param Raksha
Life Pro Advance, Tata AIA Health Pro, Tata AIA Pro-Fit, Tata AIA Life
Insurance Fortune Pro, Tata AIA Life Insurance Fortune Maxima, Tata AIA Life
Insurance Wealth Pro, Tata AIA Life Insurance Wealth Maxima, Tata AIA Life
Insurance Smart Sampoorna Raksha Plus, Tata AIA Smart Fortune Plus. This
enables customers across protection, savings and wealth oriented solutions to
integrate innovation led equity exposure into their long term financial
planning.
Customers
can review availability across solutions and detailed fund information on www.tataaia.com.
Strong Growth in Assets Under Management
As of 31st March 2026, Tata AIA Life
Insurance’s Assets Under Management (AUM) stood at ₹145,617 crore, reflecting 18% year on year
growth. This growth has been supported by strong individual new business
premium income and consistent investment performance across its fund portfolio.
Risk Note
Investors should carefully assess their risk
appetite before investing as the fund carries a high-risk profile. Past
performance is not indicative of future results.
Note: Past performance is not indicative of future
returns. Market-linked investments are subject to market risks.
Disclaimers:
·
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.
·
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. On survival to the end of the
policy term, the Total Fund Value including Top-Up Premium Fund Value valued at
applicable NAV on the date of Maturity will be paid.
·
Tata AIA Multifactor Index Fund is part of a various
funds which a policyholder can choose from. For further details on funds refer
the sales brochure.
·
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
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.
·
The
Company does not guarantee any assured returns. ~Market-linked returns are
subject to market risks and terms & conditions of the product.
·
Life insurance cover
is available under the solution. For details on products, associated risk
factors, terms and conditions please read Sales Brochure carefully before
concluding a sale.
·
Investments 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.
·
Tata AIA Health SIP (UIN: 110L184V03) - a Non-Participating, Unit Linked, Individual Health insurance
Plan
·
Shubh Fortune Solution is a combination of Tata AIA Life
Insurance Fortune Guarantee Secure (Individual, Non-Linked, Non-Participating,
Life Insurance Savings Plan) UIN:110N206V02 and Tata AIA Life Insurance Smart
Fortune Plus (Unit Linked, Individual Life Insurance Savings
Plan)-UIN:110L177V01.
·
The complete name of Tata AIA Wealth Pro is Tata AIA Life
Insurance Wealth Pro (UIN: 110L111V05) – Non-Participating, Unit Linked,
Individual Life Insurance Savings Plan
·
Tata AIA Premier SIP is a combination of the Tata AIA
Smart SIP, a non-participating, unit-linked, individual life insurance savings
plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating,
Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP
and Tata AIA Health Buddy are also available for sale individually.
·
Param Raksha Life Pro + 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.
·
Param Raksha Life Pro 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, A Non-linked,
Non-participating, Individual Health Product (UIN:110N183V01). These products
are also available for sale individually without the combination offered/
suggested.
·
Param Raksha Life Maxima + 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, A Non-linked,
Non-participating, Individual Health Product (UIN:110N183V01). These products
are also available for sale individually without the combination offered/
suggested.
·
Param Raksha Life Growth + 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, A Non-linked,
Non-participating, Individual Health Product (UIN:110N183V01). These products
are also available for sale individually without the combination offered/
suggested.
·
Param Raksha Life Advantage + 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, A Non-linked,
Non-participating, Individual Health Product (UIN:110N183V01). These products
are also available for sale individually without the combination offered/
suggested.
·
Param Raksha Life Pro Advance 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, A Non-linked,
Non-participating, Individual Health Product (UIN:110N183V01). These products
are also available for sale individually without the combination offered/
suggested.
·
Tata AIA Smart Fortune Plus - Non-Participating, Unit
Linked Individual Life Insurance Savings Plan (UIN: 110L177V01)
·
Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A
Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN:
110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked,
Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy, -
Non-participating, Non-Linked, Individual Health Product
(UIN:110N183V01).
·
The complete name of Tata AIA Wealth Pro is Tata AIA Life
Insurance Wealth Pro (UIN: 110L111V05) – Non-Participating, Unit Linked,
Individual Life Insurance Savings Plan
·
The complete name of Tata AIA Fortune Pro is Tata AIA
Life Insurance Fortune Pro (UIN: 110L112V07) – Non-Participating, Unit Linked
Individual Life Insurance Savings Plan.
·
The complete name of Tata AIA Wealth Maxima is Tata AIA
Life Insurance Wealth Maxima – Non-Participating, Unit Linked Individual Life
Insurance Savings Plan (UIN:110L114V05)
·
The complete name of Tata AIA Fortune Maxima is Tata AIA
Life Insurance Fortune Maxima - Non-Participating, Unit Linked Individual Life
Insurance Savings Plan (UIN: 110L113V09)
·
Tata AIA Smart SIP - Non-Participating, Unit Linked
Individual Life Insurance Savings Plan (UIN:110L174V02)
·
Shubh Muhurat Solution is a combination of Tata AIA Life
Insurance Fortune Guarantee Secure (Individual, Non-Linked, Non-Participating,
Life Insurance Savings Plan) UIN:110N206V03 and Tata AIA Life Insurance Smart
Fortune Plus (Unit Linked, Individual Life Insurance Savings
Plan)-UIN:110L177V01. Tata AIA Life Insurance Fortune Guarantee Secure and Tata
AIA Life Insurance Smart Fortune Plus are also available for sale individually.
·
Shubh Fortune Solution is a combination of Tata AIA Life
Insurance Fortune Guarantee Secure (Individual, Non-Linked, Non-Participating,
Life Insurance Savings Plan) UIN:110N206V03 and Tata AIA Life Insurance Smart
Fortune Plus (Unit Linked, Individual Life Insurance Savings
Plan)-UIN:110L177V01. Tata AIA Life Insurance Fortune Guarantee Secure and Tata
AIA Life Insurance Smart Fortune Plus are also available for sale individually.
·
Tata AIA i Systematic Insurance Plan - Non-Participating.
Unit Linked Individual Life Insurance Savings Plan (UIN:110L164V10)
·
Tata AIA Health SIP - A Non-participating, Unit Linked,
Individual Health Insurance Plan (UIN:110L184V01)
·
Tata AIA Shubh Health Plus comprises of Tata AIA Health
SIP - A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN:
:110L184V01), Tata AIA Health Buddy, A Non-linked, Non-participating,
Individual Health Product (UIN: 110N183V01 or any other later version). Tata
AIA Health SIP and Tata AIA Health Buddy are also available individually for
sale.
· Tata AIA Smart Pension Secure (UIN: 110L182V08) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan