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    Money Market Fund

    The Money Market Fund is ideal for conservative investors who wish to preserve their capital. While equity-related investments provide high risk and high... Read more return, this fund balances the overall risk for an investor. It can be suitable for parking funds for aggressive investors when the markets are volatile. NRIs also get a life cover. Read less

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    Tata AIA Money Market Fund (ULIF 503 01/03/25 TMM 110)

    The Tata AIA Money Market Fund is a low-risk, debt-oriented fund offered under ULIP plans. It invests in short-term money market instruments such as treasury bills, commercial papers, and certificates of deposit.

    Why invest in US Money Market Fund?

    Low-risk

    Exposure to low-risk Debt oriented fund

    Optional-Riders

    High level of liquidity 

    Global-Coverage

    Diversification beyond domestic markets 

    Allocate-the-funds

    Zero Equity linked exposure

    choice-of-payment-term

    Long-term growth potential

    Investment objective

    The primary investment objective of the fund is to provide reasonable returns, commensurate with low risk, while providing a high level of liquidity through investments made primarily in Global Short term / Money market securities including Mutual Funds / ETFs.  The new fund offer (NFO) will have no investments in equity or equity linked instruments at any point of time. It also provides life cover.

    Key benefits of Tata AIA Money Market Fund

    Whole-Life-Cover

    Capital Preservation

    Investing in low-risk fund preserves the capital in an extremely volatile market

    Family's-needs

    Exposure to Global Debt instruments

    Invest in Debt instruments outside country to reduce geographical risk

    Pay-your-Way

    Get Life cover

    Our plans also offer flexible policy durations, allowing you to stay protected for an extended period, up to 100 years of age. However, most individuals opt for coverage until 60-70 years, aligning with the period during which their financial responsibilities are typically highest.

    OPD-Care-cover

    Reduce the downside risk

    Reduce downside risk in portfolio returns without significantly compromising liquidity.

    Steady-Flow-of-Income

    Zero Goods and Services Tax (GST)

    No GST2 on premium payments. So, you get to pay less for same benefits.

    Frame-421

    Maturity Benefits

    Earn tax-benefits3 on maturity of the policy.

    Tata AIA Money Market Fund

    Key Factors Details
    Fund Management Charges 1.50%
    Risk Profile Low
    Asset Allocation Equity & Equity linked: 0%
    Debt Instruments: 0-100%
    Cash, MMI, Bank Fixed Deposits: 0–100%
    Fund Manager Pankaj Agarwal

    Back-Tested Returns of Tata AIA Money Market Fund Strategy

    Back-Tested Returns Money Market Fund Strategy
    1 Year 3.10%
    3 Year 3.70%
    5 Year 2.68%
    7 Year 2.12%
    10 Year 1.77%


    Fund returns shown are based on back-tested performance of Tata AIA’s internal investment strategy as on April 2026, Tata AIA Money Market Fund Strategy and are provided for illustration purpose only. Back tested performance is not guaranteed in nature and is prepared using retrospective application of the strategy methodology. They are not actual fund returns and not guaranteed/indicative for the future performance.

    The above funds follow Tata AIA’s internal investment strategy, which does not directly benchmark any index/indices. The strategy uses a model-based portfolio allocation derived from securities, indices, ETFs, mutual funds or companies across multiple overseas jurisdictions, in line with the internal strategy methodology. The strategy’s reference portfolio, constituents, geography, and allocation may change from time to time in accordance with such methodology and applicable internal governance. Investment allocation is based on Tata AIA’s proprietary internal strategy framework. Name references to companies, sector, geographies, or constituents are illustrative and strategy related references only; They do not imply affiliation of any kind between Tata AIA and them.

    Key Benefits of Tata AIA Shubh Global Invest

    Tata AIA Money Market Fund is available with Tata AIA Shubh Global Invest. The key benefits of the plan are:

    • 1. Invest and Receive Benefits in USD

      Enjoy currency stability by making premium payments as well as receiving payouts in US dollars.

    • 2. Invest in Global Funds

      Gain access to diversified investment opportunities with global Exchange-Traded Funds (ETFs).

    • 3. Waiver of Premium

      Future premiums will be waived off and benefits will continue in case of any unfortunate event.

    • 4. Zero Premium Allocation Charge

      No premium allocation and administration charges.

    • 5. Zero LTCG

      No tax on maturity benefit1.

    • 6. Get Financial Protection

      Nominee will receive a lump sum payout, ensuring their financial security in case of any unfortunate event.

    • 7. Flexible Withdrawals for Liquidity

      Post completion of 3 years, you can make partial withdrawals to meet your immediate financial needs.

    • 8. Multiple Premium-Paying Options

      Pay through multiple premium payment modes, with optional benefits for enhanced coverage.

    • 9. Avail Maturity Booster

      Basis your policy maturity year, additional Boosters shall be added to your fund value on the day of maturity.

    • 10. Loyalty Additions

      Loyalty Additions are added to your fund value every year, starting after the 7th policy year and will continue until the end of the policy term.

    Why invest in Money Market Fund?

    A money market fund is designed for investors seeking capital preservation, liquidity, and stable returns. It invests in high-quality, short-term instruments to help protect your capital while delivering relatively consistent performance. The fund offers high liquidity, making it suitable for short-term financial needs or contingency planning. Additionally, it supports effective risk management and helps balance overall portfolio volatility when combined with equity or growth-oriented investments.

    Why Choose Tata AIA Life Insurance?

    Hassle-free Online Purchase Process

    Invests in high-quality, short-term instruments to keep risk low.

    Experienced fund managers.

    Dedicated support for all policy requirements.

    1.

    What is the investment objective of Tata AIA Money Market Fund?

    The primary investment objective of the fund is to primarily invest in primarily in Global Short term / Money market securities including Mutual Funds / ETFs.

    2.

    What is the FMC (expense ratio) of Tata AIA Money Market Fund?

    The expense ratio of Tata AIA Money Market Fund is 1.50% per annum.

    3.

    What is the asset allocation pattern?

    Equity & Equity linked: 0%
    Debt Instruments: 0-100%
    Cash, MMI, Bank Fixed Deposits: 0–100%

    4.

    Who is the fund manager of Tata AIA Money Market Fund?

    Tata AIA Money Market Fund is managed by Pankaj Agarwal.

    5.

    What is the risk profile of Tata Money Market Fund?

    The risk profile is low.

    6.

    Can this fund help in long-term wealth preservation?

    Yes. Due to its diversified exposure across Global Short term / Money market securities including Mutual Funds / ETFs. It is a good choice for long-term wealth preservation.

    7.

    Is Tata AIA Money Market Fund good for balancing portfolio risks?

    Tata AIA Money Market Fund may suit long-term investors seeking diversified equity and debt markets exposure. Its suitability depends on personal goals, risk tolerance, investment horizon, and overall market-linked expectations.

    8.

    Can NRIs or resident Indian invest in Tata AIA Money Market Fund?

    Yes, NRI or resident Indian can invest in TATA AIA Money Market Fund.

     

    • The linked insurance product do not offer any liquidity during the first three years of the contract. 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 total premiums paid.
    • Tata AIA Shubh Global Invest (USD Denominated) - Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: TALL003V02) Tata AIA Life Insurance Company, IFSC Branch (IIO) Branch (Reg No: IFSCA/IIO/008/2023-24)
    • Tata AIA Money Market Fund: SFIN: SFIN: ULIF 503 01/03/25 TMM 110
    • Asset Allocation: Equity & Equity linked: 0%, Debt Instruments: 0%-100%, Cash, MMI, Bank Fixed Deposits: 0 – 100%
    • Fund returns shown are based on back-tested performance of Tata AIA’s internal investment strategy and are provided for illustration purpose only. Back tested performance is not guaranteed in nature and is prepared using retrospective application of the strategy methodology. They are not actual fund returns and not guaranteed/indicative for the future performance.
    • 1Subject to sum assured multiple being 10x and above.
    • 2No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder
    • 3Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
    • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance 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).
    • 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.
    • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
    • Some Benefits are guaranteed, and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance.
    • This plan is not a guaranteed Issuance plan and it will be subject to Company’s underwriting and acceptance
    • Foreign exchange rates are subject to change from time to time. Any associated expense due to change in the applicable rates, shall be borne by the policyholder.
    • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
    • The product is underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
    • Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO)
    • Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
    • Participation by customers shall be on voluntary basis
    • The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
    • Tata AIA Life Insurance Company Ltd. is only the name of the Insurance Company and Tata AIA Shubh Global Invest is only the name of the Unit Linked Life Insurance Contract and does not in any way indicate the quality of the contract, its future prospects or returns.
    • Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Branch.
    • Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO). The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
    • 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
    • Past performance is not indicative of future performance.
    • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
    • The information provided herein may not be treated as a solicitation request in any manner. Any decision to buy online insurance by NRIs is completely his/her choice. The insurer is permitted to solicit insurance in India and settles claim in INR only settles claim in USD/Forex Currency.
    • L&C/IIO/2026/Jun/0038
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