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Tata AIA's ULIP Funds Outperform Market Benchmarks
Tata AIA Life Insurance has reported benchmark-beating returns across its ULIP funds, with top-performing schemes delivering over 30% CAGR over five years. Backed by a strong investment strategy and consistent performance, the insurer's AUM has crossed ₹1.3 lakh crore, marking a 27% year-on-year growth. By Riddhima Jain Published on June 13, 2025, 16:59 IST
Tata AIA Life Insurance has posted strong fund performance across its Unit Linked Insurance Plans (ULIPs), with several flagship funds outperforming market benchmarks over the past five years. This milestone reinforces the insurer's leadership in combining long-term investment growth with robust insurance protection.
According to data as of May 30, 2025, Tata AIA's Multi Cap, Top 200, and India Consumption Funds have delivered compounded annual growth rates (CAGR) of over 30%, significantly ahead of their benchmark S&P BSE 200, which stood at 22.7%. Specifically: Top 200 Fund : 32.30%
Multi Cap Fund : 31.40%
India Consumption Fund: 30.44%
Additionally, recent New Fund Offers (NFOs) have also demonstrated strong returns since inception. The Small Cap Discovery Fund, launched in July 2023, posted a 37.42% return, outperforming its NIFTY Small Cap 100 benchmark (26.49%). Other NFOs like the Emerging Opportunities Fund, Flexi Growth Fund, and Dynamic Advantage Fund have also exceeded benchmark returns by notable margins.
Tata AIA's investment strategy continues to gain recognition, with 99.93% of its Assets Under Management (AUM) rated 4 or 5 stars by Morningstar on a five-year basis—far above the private life insurance industry average of 29%.
Harshad Patil, Chief Investment Officer, Tata AIA Life, credited the performance to a disciplined, bottom-up stock selection process:
'Our investment approach focuses on delivering risk-adjusted, consistent returns over the long term. Through meticulous research and diversification, we've managed to generate strong results across market cycles.'
As of May 31, 2025, Tata AIA's total AUM has surged to ₹130,053 crore, reflecting a 27.08% year-on-year growth. The insurer attributes this growth to robust new business premium income and its track record of investment excellence.
Tata AIA's ULIP products are structured to give policyholders access to India's high-growth equity opportunities while ensuring life and health protection. With a focus on long-term value creation, the company continues to strengthen its dual promise of protection and wealth generation.
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