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Children Savings Plans

Choose the right insurance policy from a range of options

Kotak Headstart Child Plans:

Provide for your child in every way you can today with the Kotak Headstart Child Plan. Give your child complete support and make every dream possible to realize with this specially tailored, cost-effective plan.

 

How do you gain?

  • Choose between 2 plan variants of risk and return
  • Maximize wealth while providing protection
  • Take a joint life option and save for 2 children in one plan
  • Enjoy easy liquidity through partial withdrawal of maturity proceeds
  • Enjoy easy liquidity through partial withdrawal of maturity proceeds
 

Kotak Child Advantage Plan:

Give your child the advantage of a strong savings plan with the Kotak Child Advantage Plan. Use this participating investment plan with a 15-day free look period to meet your child´s future financial needs.

 

How do you gain?

  • Earn more through investments in various financial instruments (as per IRDA regulations)
  • Enjoy Automatic Cover Maintenance option even if premiums are unpaid after first three years of the term
  • Borrow against this policy, after three years of policy term
  • Choose to pay premiums quarterly, half yearly or yearly
  • Opt to return the policy within the 15 day free look period
 

Protection Plans

Choose the right insurance policy from a range of options

Kotak Eternal Life Plans:

Get a lifetime of protection with the Kotak Eternal Life plan that extends high cover at low premium payments. You get cash benefits at different life stages giving you enough support to solve your long term financial needs.

 

How do you gain?

  • Over all life risk cover till age 99
  • Get flexible protection to cover varying needs
  • Earn a one-time cash return from a choice of two options
 

Kotak Term and Preferred Term Plans:

Now you can profit from a pure risk cover policy that also offers life cover at minimal costs. This plan helps you pay off your outstanding debts like a mortgage, a home loan etc. The Kotak Preferred Term Plan offers special premium rates for a sum assured of Rs.10 lakhs and above for non-smokers and women. The policy is non-participating but has value added benefits you can choose to gain with this plan.

 

How do you gain?

  • Low cost insurance plan with high cover
  • Special rates for women and non-tobacco users
  • Flexibility in choice of Premium Payment
  • Choose from - regular, single and limited premium payment options
 

Growth Plans

Choose the right insurance policy from a range of options

Kotak Smart Advantage Plan:

Make way for your future plans with the Kotak Smart Advantage policy from Kotak Life Insurance. This market linked plan invests your savings with 100% premium allocations to make your money grow consistently over a long term.

 

How do you gain?

  • Guaranteed returns of up to 275% on the first year premium, paid at maturity
  • Increased fund value with regular loyalty bonus during the term of the policy
  • Maximized earnings with 100%* Premium allocation from second year onwards
  • Flexible choice of life cover
  • Protection for your family and loved ones

*Applicable for premium sizes of Rs. 36,000 and above annually from second year onwards.

 

Kotak Easy Growth Plan:

Earn more today with the market linked Kotak Easy Growth Plan with a single premium option. This insurance plan meets the need for lifelong security with a single payment through your choice of up to six fund options.

 

How do you gain?

  • One-time premium payment
  • Life ling Investment benefit
  • Choose from six fund options varying in growth and returns
  • Increase investment by up to 25% of single premium paid
  • Easy exit options with access to cash withdrawal
 

Kotak Capital Multiplier Plan:

See your investment multiply with the Kotak Capital Multiplier Plan. This endowment plan allows your capital to grow in the market and also gives you the flexibility to withdraw amounts whenever you require it.

 

How do you gain?

  • Flexible extension of policy term beyond maturity
  • Earn additional 10% above the original life-cover across the policy term
  • Withdraw plan maturity proceeds with a free ATM card
  • Increased fund value with regular loyalty bonus during the term of the policy
  • Add to your policy amount with top-up premiums
 

Savings Plans

Choose the right insurance policy from a range of options

Kotak Flexi Plan:

With this market-linked investment plan, you can provide for the future and ensure protection for your family. The Kotak Flexi plan manages to earn efficient returns over the long term while securing a Guaranteed Maturity Value at the same time.

 

How do you gain?

  • Grow your money with market highs and be risk safe during market lows
  • Choose from a wide range of funds per your risk capacity
  • Select a Limited Premium or Regular premium payment option
  • Increase your Investments any time with a premium top-up
  • Enjoy easy liquidity through partial withdrawal of maturity proceeds
 

Kotak Endowment Plan:

Protect your family during contingencies while growing your savings today. Kotak Endowment Plan is a participating plan that allows you to earn over a long term through regular investment.

 

How do you gain?

  • Earn from your savings and enjoy life cover
  • Get extra bonuses on the plan
  • Make a Limited premium payment per your convenience
 

Kotak Premium Return Plan:

Get risk coverage and assured returns with the Kotak Premium Return plan. You receive a certain amount of the premiums paid back depending on the option you choose along with maturity benefits available.

 

How do you gain?

  • Minimum premium payments
  • Get back premiums paid depending on term of the plan
  • Hassle free plan as it does not require a medical examination
 

Kotak Money Back Plan:

Earn back a percent of the amount assured in cash with the Kotak Money Back Plan. This participating, savings plan gives you a life cover benefit while allowing you a regular income every five years.

 

How do you gain?

  • Minimum premium payments
  • Benefit from guaranteed Additions on maturity
  • Get a 7% increase in sum assured at the end of each year under death benefit
  • Enjoy bonuses from the plan
 

Kotak Safe Investment Plan II:

Benefit from a unit linked plan that earns through the capital market and also offers risk cover. You can enjoy a Guaranteed Maturity Value where you profit from the market highs but do not lose with market lows.

 

How do you gain?

  • Grow your money with market highs and be risk safe during market lows
  • Choose from a six fund options per your risk capacity
  • Select a flexible risk cover option per your needs
  • Increase your Investments any time with a premium top-up
  • Enjoy easy liquidity through partial withdrawal of maturity proceeds
 

Kotak Retirement Income Plan:

Save for your old age with the Kotak Retirement Income plan with a choice of "with cover" for life or "without cover."

 

How do you gain?

  • Specify retirement age anytime between 45 yrs and 65 yrs
  • Flexibility to opt for early retirement due to ill-health
  • Increase investments with a premium top-up before retirement
  • Increase your Investments any time with a premium top-up
  • Get Automatic Cover Maintenance, under the "with cover" option to ensure coverage in spite of unpaid premiums after first three years of the term.
 

Kotak Retirement Income Plan (Unit Linked):

Make a high earning investment for your future with unit linked Kotak Retirement Plan. This investment plan earns for you even after you are no longer employed. You can choose the extent of investment risk and guarantee against falling markets.

 

How do you gain?

  • Maximum earnings with capital preservation
  • Choose from five fund options
  • Flexibility to opt for early retirement due to ill-health
  • Increase your Investments any time with a premium top-up
 

Start Investing

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To invest in India through the Kotak Group, you must have all three accounts.

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    Every NRI must have a Permanent Account Number to trade or invest in India for almost all transactions.
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