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The Tata AIA Life Tax Bonanza Consumption Pension Fund offers a unique opportunity to capitalize on India's growing consumption story. By investing in companies that benefit from India's growing middle class and increasing disposable incomes, this fund provides long-term capital growth potential. With experienced Tata AIA fund managers at the helm, itfocuses on sectors driving consumption, making it an excellent choice for a secure retirement. This fund is available with Tata AIA Smart Pension Secure.
The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a diversified portfolio of companies which would benefit from India’s Domestic Consumption growth story. The Tax Bonanza Consumption Pension Fund could provide an investment opportunity in the theme of rising consumption power in India for long term returns.
In this policy, the investment risk in investment portfolio is borne by the policy holder
Tata AIA
Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V02)
Fund Composition
Tata AIA Life Tax Bonanza Consumption Pension Fund |
|
Benchmark |
NIFTY 500 Index |
Fund Management Charges |
1.35% per annum |
Risk Profile |
High |
Asset Allocation |
Equity & Equity related instruments - 60%-100% Debt – 0% to 40% Cash/ Money Market Instruments, Bank Deposits and Mutual Funds - 0-40% |
Investing ₹10,000/month could grow to ₹57,03,277 in just 10 years at 26% returns.
The power of compounding is the key to building wealth over time. It works by reinvesting the returns you earn on your initial investment, while growing your wealth.
How it helps in wealth creation?
Exponential growth Time amplifies impact Reduces wealth building effort
Our funds have consistently delivered better returns over the years, with the Tata AIA India Consumption fund achieving 26.49% in 5-year returns* (Benchmark: 16.57%).
Our experts are happy to help you!
Our Recent NFO Performance
Tata AIA Funds |
AUM (In Crores) |
Inception Date |
Returns Since Launch5 |
Benchmark Returns |
Rising India Fund |
₹427.89 |
31-Mar-24 |
15.11% |
10.47% |
Small Cap Discovery Fund |
₹1,067.53 |
24-Jul-23 |
52.84% |
39.88% |
Flexi Growth Fund |
₹530.46 |
31-Dec-23 |
24.13% |
15.12% |
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.
Tata AIA Funds Have Delivered Benchmark Beating Performance
|
Last 5 Years Returns6 |
Since Inception7 Returns |
||
Tata AIA Funds |
Fund Return (%)6 |
Benchmark Return (%)6 |
Fund Return (%)7 |
Benchmark Return (%)7 |
Multi Cap Fund |
27.64% |
16.57% |
22.13% |
13.37% |
Top 200 Fund |
27.78% |
16.57% |
19.58% |
15.51% |
India Consumption Fund |
26.49% |
16.57% |
21.36% |
13.37% |
6Data 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.
7Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015.
India is currently witnessing an unprecedented consumption boom, which is attributed to:
By investing in this fund, you can grow your wealth alongside India’s booming economy.
The Tata AIA Life Tax Bonanza Consumption Pension Fund is ideal for:
Young Professionals and Early Savers – Individuals who want to begin accumulating their retirement corpus early and benefit from long-term growth in India's growing consumption economy.
Individuals Seeking Tax Benefits – Investors looking for tax-saving opportunities as part of planning for a financially secure retirement
Retirement Planners – Individuals focused on generating long-term capital appreciation for their pension and retirement funds, aiming for a better post-retirement lifestyle.
Risk-averse Investors– Individuals who would like to maintain a balanced portfolio with exposure to industries that carry high growth possibilities but also possess stability in the long run.
If you want to benefit from India's rising consumer spending and optimize your portfolio with tax4 savings, this fund is the right choice for you!
NFO Window: 24th March 2025 – 31st March 2025
Our experts are happy to help you!
What is the investment objective of Tata AIA Life Tax Bonanza Consumption Pension Fund?
The primary investment objective of the Fund is to generate capital appreciation in the long term by investing in a diversified portfolio of companies which would benefit from India’s Domestic Consumption growth story.
The Tax Bonanza Consumption Fund could provide an investment opportunity in the theme of rising consumption power in India for long term returns.
What is the fund's benchmark?
The fund's benchmark is the NIFTY 500 Index, which includes the performance of large-cap stocks in the Indian equity market.
What is the expense ratio (FMC) of this fund?
The expense ratio of Tata AIA Life Tax Bonanza Consumption Pension Fund is 1.35% per annum.
What is the proportion of investment between equity and debt components?
Asset Class |
Allocation (%) |
Equity & Equity-related instruments |
60% - 100 % |
Debt Instruments |
0% - 40 % |
Cash, Money Market Instruments, Bank Deposits & Mutual Funds |
0% - 40 % |
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.
Can I withdraw my investments before retirement?
Yes, you can make partial withdrawals after the mandatory lock in period, however it is recommended to stay invested for the long term to grow your retirement corpus.
Is this fund suitable for retirement planning?
Yes, the Tata AIA Life Tax Bonanza Consumption Pension Fund focuses on long-term capital appreciation thereby making it a good option for retirement planning, especially if you're aiming for wealth growth over time.
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.
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.
Tata AIA Life Tax Bonanza Consumption 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 Life Tax Bonanza Consumption Pension Fund SFIN: ULIF 089 31/03/25 TBP 110.
Tata AIA Smart Pension Secure (UIN: 110L182V02) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Asset Allocation: Equity & Equity related instruments - 60%-100%, Debt: 0% - 40 %, Cash/ Money Market Instruments, Bank Deposits and Mutual Funds: 0-40%.
*5-year computed NAV for India Consumption Fund as of Dec 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200. Inception Dates: India Consumption Fund: 05 Oct 2015
1All 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.
3Tax 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.
4Income 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.
8Loyalty additions only available with Option 2: Smart Pension Secure Plus
Loyalty additions and maturity boosters are only available for purchase through online/digital channels
11Source: https://pib.gov.in/PressReleasePage.aspx?PRID=2098406
12As on 31st December 2024, the company has a total Assets Under Management (AUM) of Rs 119,602.78 Crores
1385,76,889 families protected till December ’24.
14Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
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.
L&C/Advt/2025/Mar/1350
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