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Mumbai: In a bold step that blends the protection of life insurance with the power of equity investing, Ageas Federal Life Insurance has launched the India Sector Leaders Fund, a first-of-its-kind offering in the Indian life insurance space.
The fund, now open for subscription via a New Fund Offer (NFO) starting July 14, provides policyholders a chance to invest in India’s top-performing sector leaders while enjoying life insurance benefits.
During the NFO period, units will be offered at a fixed Net Asset Value (NAV) of ₹10. Post-NFO, the NAV will fluctuate based on the underlying market performance of the portfolio.
🔍 What is the India Sector Leaders Fund?
The India Sector Leaders Fund will track the BSE India Sector Leaders Index, a specially curated benchmark that includes top companies from 22 different sectors under the India Industry Classification Structure (IICS).
By investing in companies that lead in their respective sectors, the fund aims to generate medium- to long-term capital appreciation. Unlike traditional equity-linked life insurance funds that may focus on a narrow theme or index, this fund provides broad diversification, helping reduce concentration risk.
💡 Why This Fund Matters
In the words of Atul Srivastava, Chief Distribution Officer at Ageas Federal Life Insurance:
“The India Sector Leaders Fund is our attempt to align long-term wealth creation with India’s growth story. It allows policyholders to participate in the country’s economic journey through a sector-focused, market-linked strategy—while maintaining the security of a life insurance cover.”
With this fund, Ageas Federal aims to empower investors who want more than just protection—they want meaningful returns too.
🇮🇳 Riding India’s Growth Wave
India continues to be one of the fastest-growing economies in the world. The government’s push for manufacturing, infrastructure, digital transformation, and green energy is driving sectoral growth across the board.
The BSE India Sector Leaders Index taps into this momentum by identifying the top-performing, most resilient companies in each sector. These are typically firms with strong fundamentals, market leadership, and consistent earnings growth.
By spreading investments across diverse industries such as banking, IT, consumer goods, pharma, and infrastructure, the fund reduces overexposure to any single sector and provides a balanced exposure to India’s macroeconomic trends.
🛡️ Insurance + Investment: A Dual Advantage
The fund is available exclusively through life insurance products offered by Ageas Federal. That means policyholders get:
Life cover (as per policy terms)
Market-linked returns via the India Sector Leaders Fund
Tax benefits under Sections 80C and 10(10D), depending on prevailing laws
This dual benefit structure appeals to investors who want both financial security for their families and long-term investment potential without managing equity exposure themselves.
📊 Ageas Federal at a Glance
As of March 31, 2025:
Assets Under Management (AUM): ₹18,956 crore
Policies Issued: Over 19.71 lakh
Total Sum Assured: ₹1.87 lakh crore+
The company operates through a robust partnership with Federal Bank and several other distribution networks, offering a wide range of life insurance and investment-linked products.
✅ Key Highlights of the India Sector Leaders Fund
Feature Details
Fund Type Unit-linked insurance plan (ULIP)
Benchmark BSE India Sector Leaders Index
Sectors Covered 22 diverse sectors
NAV During NFO ₹10 per unit
NFO Open July 14, 2025
Market Exposure Equity (sector leaders)
Insurance Coverage As per ULIP policy
Tax Benefits Eligible under Sec 80C & 10(10D)*
Suitability Long-term investors seeking insurance + equity growth
*Subject to prevailing tax laws
⚠️ Points to Consider
As a market-linked product, returns are not guaranteed and are subject to market risks.
Suitable for investors with a medium to long-term investment horizon.
Ideal for those who wish to participate in equity markets without directly managing a portfolio.
🔚 Final Thoughts
The India Sector Leaders Fund is an innovative offering that brings together the best of both worlds—financial protection and market participation. For policyholders who want to build long-term wealth while staying covered, this fund could be a powerful tool in their financial planning journey.
Whether you’re an equity enthusiast looking for diversified exposure or a conservative investor seeking smart insurance-linked investments, this fund deserves your attention.
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