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We are committed to securing the financial future of your loved ones. With increased Bonus Rates, we bring you one step closer to achieving your goals and making your family’s dreams come true.
Bonus Rates
for 1st June 2024 to 31st May 2025
Reversionary Bonus Rates
| UIN | Product Name | Bonus rates | Type of Bonus |
| 110N001V01 | Assure 21 years Money Saver | 4.00% | Compound |
| 110N002V01 | Assure 20 Years Security & Growth Plan | 4.00% | Compound |
| 110N002V01 | Assure 30 Years Security & Growth Plan | 4.00% | Compound |
| 110N003V01 | Assure Golden Years Plan | 4.00% | Compound |
| 110N021V01 | Assure Educare at 21 | 4.00% | Compound |
| 110N022V01 | Assure Educare at 18 | 4.00% | Compound |
| 110N023V01 | Assure Career Builder | 4.00% | Compound |
| 110N038V01 | Star Kid | 11.00% | Simple |
| 110N026V01 | Nirvana | 4.00% | Compound |
| 110N036V01 | Nirvana Plus | 5.50% | Compound |
| 110N041V01 | Nirbhay Life (bonus as a % of SA)* | NA | Terminal Bonus only |
| 110N127V01 | Tata AIA Life Good Kid | 2.25% | Compound |
| 110N116V01 | Tata AIA Life Insurance Smart Growth Plus | 4.00% | Compound |
| 110N117V01 | Tata AIA Life Insta Wealth Plan V1 | 3.50% | Compound |
| 110N117V02 | Tata AIA Life Insta Wealth Plan V2 | 3.25% | Compound |
| 110N024V01 | Tata AIA Life Mahalife | 40.6 per 1000 | Cash dividend |
| 110N029V01 | Tata AIA Life Mahalife Gold V1 | 41.9 per 1000 | Cash dividend |
| 110N029V02 | Tata AIA Life MahaLife Gold V2 | 90 per 1000 | Cash dividend |
| 110N029V03 | Tata AIA Life MahaLife Gold V3 | NA | Cash dividend |
| 110N110V01 | Tata AIA Life Mahalife Gold Plus | 90 per 1000 | Cash dividend |
| 110N108V01 | Tata AIA Life Mahalife Magic | 4.50% | Compound |
| 110N119V01 | Tata AIA Life Money Back Plus V1 | 3.25% | Compound |
| 110N119V02 | Tata AIA Life Money Back Plus V2 | 2.75% | Compound |
| 110N119V03 | Tata AIA Life Insurance Money Back Plus ver3 | 2.65% | Compound |
| Shubh Life | |||
| 110N040V01 | Shubh Life (PT 10 Years) | NA | Simple |
| 110N040V01 | Shubh Life (PT 15 Years) | 9.00% | Simple |
| 110N040V01 | Shubh Life (PT 20 Years) | 7.50% | Simple |
| 110N040V01 | Shubh Life (PT 25 Years) | 7.50% | Simple |
| 110N040V01 | Shubh Life (PT 30 Years) | 5.00% | Simple |
| TATA AIA Life Insurance Money Maxima | |||
| 110N109V01 | TATA AIA Life Insurance Money Maxima (PT 12 to 20 years) | 4.75% | Simple |
| 110N109V01 | TATA AIA Life Insurance Money Maxima (PT 21 to 30 years) | 4.75% | Simple |
| Tata AIA Life Insurance Smart 7 | |||
| 110N118V01 | Tata AIA Life Insurance Smart 7 (Basic SA less than 5 lac) | 3.55% | Compound |
| 110N118V01 | Tata AIA Life Insurance Smart 7 (Basic SA between INR 5 lac to INR 9.99 lac) | 3.60% | Compound |
| 110N118V01 | Tata AIA Life Insurance Smart 7 (Basic SA greater than or equal to INR 10 lac) | 3.65% | Compound |
| Tata AIA Life Insurance Freedom | |||
| 110N124V01 | Tata AIA Life Insurance Freedom (PPT 7 years) | 3.50% | Compound |
| 110N124V01 | Tata AIA Life Insurance Freedom (PPT 10 years) | 2.85% | Compound |
| 110N124V01 | Tata AIA Life Insurance Freedom (PPT 15 years) | 2.65% | Compound |
| Tata AIA Life Insurance Monthly Insurance Plan | |||
| 110N125V01 | Tata AIA Life Insurance Monthly Insurance Plan (PT 15 years) | 4.00% | Compound |
| 110N125V01 | Tata AIA Life Insurance Monthly Insurance Plan (PT 20 years) | 3.15% | Compound |
| Tata AIA Life Insurance Diamond Savings Plan | |||
| 110N133V01 | Tata AIA Life Insurance Diamond Savings Plan (PPT 8 years) | 5.00% | Compound |
| 110N133V01 | Tata AIA Life Insurance Diamond Savings Plan (PPT 12 years) | 5.50% | Compound |
| Tata AIA Life Insurance Diamond Savings Plan ver2 | |||
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 8 years) | 4.50% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 12 years) | 5.00% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 15 years) | 4.00% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 20 years) | 4.50% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 6 years and PT 15 years) | 4.00% | Compound |
| Tata AIA Life Insurance Diamond Savings Plan ver2 Revised Expense | |||
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 8 years) - II | 4.50% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 12 years) - II | 5.00% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 15 years) - II | 4.00% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 5 years and PT 20 years) - II | 4.50% | Compound |
| 110N133V02 | Tata AIA Life Insurance Diamond Savings Plan ver2 (PPT 6 years and PT 15 years) - II | 4.00% | Compound |
| Tata AIA Life Insurance Diamond Savings Plan ver3 | |||
| 110N133V03 | Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 8 years) - II | 4.50% | Compound |
| 110N133V03 | Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 12 years) - II | 5.00% | Compound |
| 110N133V03 | Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 5 years and PT 15 years) - II | 4.00% | Compound |
| 110N133V03 | Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 5 years and PT 20 years) - II | 4.50% | Compound |
| 110N133V03 | Tata AIA Life Insurance Diamond Savings Plan ver3 (PPT 6 years and PT 15 years) - II | 4.00% | Compound |
| Tata AIA Value Income Plan | |||
| 110N153V01 | Tata AIA Life Insurance Value Income Plan(PPT <=10) | Please refer to Section Value Income Plan and Smart Value Income Plan | Cash dividend |
| 110N153V01 | Tata AIA Life Insurance Value Income Plan(PPT >10) | Please refer to Section Value Income Plan and Smart Value Income Plan | Cash dividend |
| Tata AIA Value Income Plan ver2 | |||
| 110N153V02 | Tata AIA Life Insurance Value Income Plan(PPT <=10) ver2 | Please refer to Section Value Income Plan and Smart Value Income Plan |
Cash dividend |
| 110N153V02 | Tata AIA Life Insurance Value Income Plan(PPT >10) ver2 | Please refer to Section Value Income Plan and Smart Value Income Plan | Cash dividend |
| Tata AIA Life Insurance Smart Value Income Plan | |||
| 110N162V01 | Tata AIA Life Insurance Smart Value Income Plan v1 | Please refer to Section Value Income Plan and Smart Value Income Plan | Cash dividend |
| 110N162V02 | Tata AIA Life Insurance Smart Value Income Plan v2 | Please refer to Section Value Income Plan and Smart Value Income Plan | Cash dividend |
See All See Less
*Further, an additional reversionary bonus of 22% and 58% has been declared for Shubh Life 15-year term policies and Shubh Life 20-year term policies, maturing from 1st June 2024 to 31st May 2025 respectively
Above reversionary bonus rates will continue as interim bonus until the next bonus declaration, wherever applicable
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| PPT/Term | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 |
| 5 | 1.10% | 1.30% | 1.50% | 1.70% | 1.90% | 2.10% | 2.30% | 2.50% | 2.70% | 2.90% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% |
| 6 | 1.20% | 1.40% | 1.60% | 1.80% | 2.00% | 2.20% | 2.40% | 2.60% | 2.80% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | 3.40% | |
| 7 | 1.30% | 1.50% | 1.70% | 1.90% | 2.10% | 2.30% | 2.50% | 2.70% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% | ||
| 8 | 1.40% | 1.60% | 1.80% | 2.00% | 2.20% | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | |||
| 9 | 1.60% | 1.80% | 2.00% | 2.20% | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | 3.20% | ||||
| 10 | 1.80% | 2.00% | 2.20% | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | |||||
| 11 | 2.00% | 2.20% | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | ||||||
| 12 | 2.20% | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | |||||||
| 13 | 2.40% | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | ||||||||
| 14 | 2.60% | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | |||||||||
| 15 | 2.80% | 2.80% | 2.80% | 2.80% | 2.80% | 2.90% | 2.90% | 2.90% | 2.90% | 2.90% | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% | 3.10% |
See All See Less
Cash Bonus
Limited Pay
For Whole Life policies with Annualised Premium less than ₹1,00,000
Insured Age at Entry/PPT |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
Upto 25 years |
16.50% |
22.50% |
26.00% |
29.50% |
32.25% |
35.00% |
37.50% |
39.50% |
26 to 35 years |
16.00% |
22.00% |
25.50% |
29.00% |
32.00% |
35.00% |
37.25% |
39.00% |
36 to 40 years |
15.00% |
21.00% |
24.50% |
28.00% |
31.00% |
34.00% |
36.25% |
38.00% |
41 to 45 years |
14.00% |
20.00% |
23.50% |
27.00% |
30.00% |
33.00% |
35.00% |
36.00% |
46 to 50 years |
12.50% |
19.00% |
23.00% |
27.00% |
30.00% |
33.00% |
35.00% |
36.00% |
51 to 55 years |
10.00% |
16.50% |
20.75% |
25.00% |
28.25% |
31.50% |
33.00% |
33.00% |
56 to 60 years |
6.50% |
13.00% |
17.25% |
21.50% |
24.75% |
28.00% |
29.00% |
28.00% |
61 years and above |
1.50% |
8.00% |
12.75% |
17.50% |
20.75% |
24.00% |
24.25% |
23.00% |
See All See Less
For Whole Life policies with Annualised Premium less than ₹1,00,000
| Insured Age at Entry/PPT | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
| Upto 25 years | 16.50% | 22.50% | 26.00% | 29.50% | 32.25% | 35.00% | 37.50% | 39.50% |
| 26 to 35 years | 16.00% | 22.00% | 25.50% | 29.00% | 32.00% | 35.00% | 37.25% | 39.00% |
| 36 to 40 years | 15.00% | 21.00% | 24.50% | 28.00% | 31.00% | 34.00% | 36.25% | 38.00% |
| 41 to 45 years | 14.00% | 20.00% | 23.50% | 27.00% | 30.00% | 33.00% | 35.00% | 36.00% |
| 46 to 50 years | 12.50% | 19.00% | 23.00% | 27.00% | 30.00% | 33.00% | 35.00% | 36.00% |
| 51 to 55 years | 10.00% | 16.50% | 20.75% | 25.00% | 28.25% | 31.50% | 33.00% | 33.00% |
| 56 to 60 years | 6.50% | 13.00% | 17.25% | 21.50% | 24.75% | 28.00% | 29.00% | 28.00% |
| 61 years and above | 1.50% | 8.00% | 12.75% | 17.50% | 20.75% | 24.00% | 24.25% | 23.00% |
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| Additional bonus for higher ticket sizes |
|
Annualized Premium Slab (₹) |
Additional Regular Bonus as a % of Annualized Premium |
< 1 Lakh |
0.00% |
1 Lakh to < 2 Lakh |
1.00% |
2 Lakh to < 5lakh |
1.50% |
≥ 5 Lakh |
2.00% |
| Additional Bonus for "Non-Whole Life" Policies | |
Maturity Age of Insured |
Additional Regular Bonus as a % of Annualized Premium |
20-85 |
1.00% |
100 |
0.00% |
| Additional bonus for higher ticket sizes |
|
Annualized Premium Slab (₹) |
Additional Regular Bonus as a % of Annualized Premium |
< 1 Lakh |
0.00% |
1 Lakh to < 2 Lakh |
1.00% |
2 Lakh to < 5lakh |
1.50% |
≥ 5 Lakh |
2.00% |
See All See Less
| Additional Bonus for "Non-Whole Life" Policies | |
Maturity Age of Insured |
Additional Regular Bonus as a % of Annualized Premium |
20-85 |
1.00% |
100 |
0.00% |
Regular Pay
For Annualised Premium less than ₹1,00,000
| Insured Age at Entry/PPT | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
| Upto 25 years | 13.25% | 17.45% | 20.75% | 22.95% | 26.95% | 29.50% | 32.25% | 34.70% | 37.00% | 39.05% | 41.0% | 42.75% | 44.5% | 46.0% | 47.00% | 47.00% | 48.00% | 49.00% | 50.00% | 50.25% | 50.25% |
| 26 to 35 years | 13.25% | 17.45% | 20.75% | 22.95% | 26.95% | 29.50% | 32.25% | 34.70% | 37.00% | 39.05% | 41.00% | 42.75% | 44.40% | 45.95% | 46.75% | 46.75% | 47.80% | 48.80% | 49.75% | 50.25% | 50.25% |
| 36 to 40 years | 13.25% | 17.45% | 20.75% | 22.90% | 26.90% | 29.50% | 32.15% | 34.50% | 36.65% | 38.65% | 40.50% | 42.25% | 43.85% | 45.40% | 46.25% | 46.25% | 47.30% | 48.30% | 49.20% | 49.75% | 49.75% |
| 41 to 45 years | 13.00% | 17.15% | 20.50% | 22.60% | 26.50% | 29.00% | 31.75% | 34.10% | 36.35% | 38.35% | 40.25% | 41.75% | 43.20% | 44.50% | 45.00% | 45.00% | 46.05% | 47.10% | 48.10% | 48.75% | 48.75% |
| 46 to 50 years | 12.75% | 16.70% | 20.00% | 22.05% | 25.95% | 28.50% | 31.15% | 33.55% | 35.70% | 37.65% | 39.50% | 41.20% | 42.75% | 44.20% | 45.00% | 45.00% | 46.05% | 47.10% | 48.05% | 48.75% | 48.75% |
| 51 to 55 years | 11.50% | 15.70% | 19.00% | 21.15% | 25.05% | 27.50% | 30.15% | 32.55% | 34.65% | 36.70% | 38.50% | 39.90% | 41.25% | 42.50% | 43.00% | 43.00% | 44.15% | 45.20% | 46.25% | 47.25% | 47.25% |
| 56 to 60 years | 8.00% | 13.00% | 17.00% | 19.50% | 23.75% | 26.50% | 28.55% | 30.45% | 32.15% | 33.60% | 35.00% | 36.55% | 37.95% | 39.25% | 40.00% | 40.00% | 41.20% | 42.35% | 43.45% | 43.95% | NA |
| 61 years and above | 4.50% | 9.80% | 14.00% | 16.85% | 21.40% | 24.50% | 26.25% | 27.80% | 29.15% | 30.40% | 31.50% | 33.10% | 34.60% | 35.95% | 36.45% | NA | NA | NA | NA | NA | NA |
See All See Less
| Additional bonus for higher ticket sizes |
|
Annualized Premium Slab |
Additional Regular Bonus as a % of Annualized Premium |
< 1 Lakh |
0.00% |
1 Lakh to < 2 Lakh |
1.00% |
2 Lakh to < 5lakh |
1.50% |
≥ 5 Lakh |
2.00% |
Single Pay
| Insured Age at Entry/DBM Option | SA - I | SA - II |
| Upto 25 years | 4.75% | 5.00% |
| 26 to 30 years | 4.25% | 5.00% |
| 31 to 35 years | 3.50% | 5.00% |
| 36 to 40 years | 2.75% | 5.00% |
| 41 to 45 years | 2.00% | 5.00% |
| 46 to 50 years | NA | 5.00% |
| 51 to 55 years | NA | 5.00% |
| 56 to 60 years | NA | 5.00% |
| 61 years and above | NA | 5.00% |
See All See Less
Disclaimer
- PT – Policy Term | PPT – Premium Payment Term
- “Bonuses which are in the form of Compound Reversionary Bonus (CRB), Simple Reversionary Bonus (SRB), and Terminal Bonuses are not guaranteed and may be as declared by the company from time to time, based on company’s future investment performance. Past performance is not indicative of future performance. For more information, please refer to the benefit illustration and Terms and Conditions of the policy.”
- ~Total expected amount of declared bonus is 1,465 crores. Reversionary bonus will be declared for the period 1st June 2024 to 31st May 2025 and will be payable on exit of policy.
- ^Customers of participating products as on date in the books of Tata AIA Life Insurance Company Limited. There are other policies as on date in our books for which bonus declared is not applicable.
- Past performance is not indicative of future performance.
- 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.
- L&C/Misc/2024/Jun/0444
