Buy a Life Insurance Plan in a few clicks
A plan that offer guaranteed returns and financial protection for your family.
A plan that works like a term plan, and Earns like ULIP Plan.
Kotak Guaranteed Fortune Builder
A plan that offers guaranteed income for your future goals.
Kotak Confident Retirement Builder
A plan that offers immediate or deferred stream of income
Your retirement years are a new chapter for living the life you have always aspired to live, filled with complete confidence and security. The Kotak Life retirement plans are expertly crafted to power those ambitions, providing a stable and comfortable lifestyle long after your career. With our comprehensive pension plans, you receive a reliable income stream that protects your financial independence, allowing you to secure your future today for a truly fulfilling tomorrow.
Zero Allocation Charges
Avail funds through Partial WithdrawalsKotak Confident Retirement Builder
A flexible ULIP pension plan - choose your term, fund mix & get immediate or deferred income.
Build a ₹1 Crore+ @8%£ / ₹33.11 Lakh @4%£ Retirement Corpus, when you turn 60. Starting with Just ₹10,000/month for 10 years*
99.50%
Individual Claim settlement Ratio!
2.21
Solvency Ratio!
2nd Rank#
NPS®
Retirement planning is the process of managing your finances to ensure that you get to live the life you want after your retirement. This strategy consists of defining your goals clearly, estimating all future costs that you may incur, and generating a dependable income stream that lasts throughout your life.
A good retirement plan means you take into account inflation, rising medical costs, and your evolving lifestyle needs. To maximize the growth potential of your savings and achieve long-term financial independence, you must start as early as you can.
Kotak ASSURED PENSION
Premium – ₹10 lakh
Premium Payment Term - Single Premium
Annuity Option - Last survivor Lifetime Income with 100% annuity to Secondary Annuitant
Get a guaranteed^ lifetime income of ₹61,800/year$
Features
What You Get:
Guaranteed^ Lifetime Annuity ₹61,800/year for life, completely safe from market fluctuations
Spouse Protection Annuity continues for the spouse under the joint life annuity option
Better Rates for Bigger Investment: Higher investment yields better annuity income
Kotak Assured Pension
Premium – ₹10 Lakh
Premium Payment Term - Single premium
Annuity Option - Last survivor Lifetime Income with 100% annuity to Secondary Annuitant
Get a guaranteed^ lifetime income of ₹58,100/year#
Features
What You Get:
Guaranteed^ Lifetime Annuity ₹58,100/year for life from ₹10 Lakh investment - completely safe from market fluctuations
Spouse Protection Annuity continues for the spouse under the joint life annuity option
Better Rates for Bigger Investment: Higher investment yields better annuity income
Kotak Confident Retirement Builder
Premium -₹8000/Month≈ / ₹263/Day^
Premium Payment Term-10 years
Policy Term - 20 years
Retirement corpus - ₹28.54 Lakh @8% / ₹16.04 Lakh @4%
Features
What You Get:
Market-Linked Corpus Equity & balanced pension funds grow wealth over upto 40 years with high return potential
Flexibility at Maturity Withdraw 60% at lump + use remaining for guaranteed lifetime annuity income
Multiple Fund Options: Choose from 5 funds - Classic, Frontline, Balanced, Bond & more with free switches
KOTAK CONFIDENT RETIREMENT BUILDER
Premium - ₹5000/Month0 / ₹164/Day
Premium Payment Term - 10 years
Policy Term – 40 years
Retirement corpus - ₹72.38 Lakh @8% / ₹19.33 Lakh @4%
Features
What You Get:
Market-Linked Corpus Equity & balanced pension funds grow wealth over upto 40 years with high return potential
Flexibility at Maturity Withdraw 60% as lump sum + use remaining for guaranteed lifetime annuity income
Multiple Fund Options: Choose from 5 funds - Classic, Frontline, Balanced, Bond & more with free switches
Build your retirement fund, Live life on your terms
₹46,800 Estimated yearly tax+ saving
100% Premium allocation zero deductions
Zero charges, 100% invested
Yearly additions starting from year 6 onwards^
Flexible Partial Withdrawal
5 funds - Switch anytime, at no cost*
As India moves towards a structure of financially independent nuclear families, creating your own retirement fund is an act of empowerment. It ensures you can maintain your lifestyle with dignity, without depending on your children, thereby allowing them the freedom to pursue their own financial goals. Furthermore, with increasing life expectancy and rising lifestyle aspirations, a formal retirement plan becomes the essential tool to fund a longer, more fulfilling post-work life. It allows you to turn a far-off dream of a comfortable retirement, such as how to get a pension of ₹1 lakh per month, into a feasible monthly plan, thus making your financial objective realistic and possible.
The importance of retirement planning evolves with each stage of life. By understanding your financial priorities at every age, you can make smarter decisions and build a secure future. Here is how retirement strategies shift over the decades:
Anyone thinking seriously about an early retirement plan needs to compress this entire decade arc into fewer years, which means saving harder and earlier than the average timeline above.
Retirement plans are designed to make sure you have a financially comfortable future when the income from your regular job ceases. By putting your money into a trustworthy retirement pension scheme, you can amass a corpus that caters to your post-retirement life. Exploring the benefits of the best pension plans in India helps you maximize returns with a shorter tenure, profit, and annuity options.
A good retirement plan would ensure that you save an adequate amount of money that can be used to maintain your lifestyle even when you are out of employment. Working together, a pension for retirement can prevent a drastic change in your normal standard of living by providing a steady stream of income.
Lack of a stable retirement plan insurance can make you sell assets and properties to cover expenses in the retirement years. With a good retirement fund, however, this can help save your assets and guarantee that they remain as an inheritance to your children and family after you are gone.
A well-designed retirement policy makes the transition between active employment and retirement easier by securing and stabilizing your finances so that you can confidently stride into a better future.
Choosing a retirement policy early in life allows you to save more effectively and plan your future with greater ease. By starting young, you can benefit from lower premiums, increasing your ability to save and grow your funds over time. While regular contributions help develop financial discipline, a single premium pension plan may appeal to individuals with a lump sum amount who want to lock in benefits early and avoid recurring payments. If you happen to have a lump sum sitting around, a single premium pension plan lets you park it once and skip the recurring payment cycle altogether.
Retirement plans in India serve as long-term investments, with annuity rates based on your investment amount, tenure, and prevailing interest rates. Referring to an annuity table or using an annuity calculator can help estimate your returns more accurately. The right annuity option can ensure consistent returns aligned with your retirement goals. If you’re considering the National Pension System, using an NPS calculator can help you forecast your retirement corpus and monthly pension based on your current contributions.
Certain pension plans have life cover and provide a lump sum to the nominee in case of the death of the insured. It also offers additional cover available in terms of riders to some selective plans and enhances your protection.
Retirement plans in India are eligible for tax benefits+ subject to conditions specified under Section 11 read with Schedule II(2) and Section 123 read with Schedule XV of the Income-tax Act, 2025. Tax laws are subject to amendments from time to time. Customers are advised to take an independent view from the tax advisor.
This is an Annuity Plan that promises to pay a regular stream of income on a regular basis:
Finding the best retirement plan can feel like a difficult task, but if you know exactly what to look for, the process becomes easier. Here is exactly how to separate a good plan from the rest of the others:
For comprehensive retirement planning, you need a plan that matches your retirement timeline, income needs, and comfort with investment risk. Kotak Life offers different pension and annuity options so you can choose based on what you need:
If you want to buy a retirement plan, here are the steps to follow:
Before you purchase a plan for retirement, the initial step is to envision what kind of life you want to live, what expenses you think you will incur, and at what age you want to retire. When these are clearly perceived, then you are able to choose the retirement plan that fits your financial and long-term goals.
There are 2 major types of retirement plans: annuity and pension plans. Each one is designed differently to meet your requirements. Knowing about both types of retirement plans can help you select a plan that aligns with your needs and requirements.
Retirement planning is a complicated task, and one should consult a financial planner or a retirement consultant. A professional will be able to explain to you the nuances of annuity planning, assess your financial status, and choose the appropriate plan according to your objectives.
After you have determined the goals of your retirement, gained a basic knowledge about the various plans, and taken professional advice, you are ready to compare various plans and providers. It is necessary to consider the fees, investment options, customer service, reputation, and flexibility.
Strictly evaluate the plan documents provided by the plan provider before you make your final decision. Consider the terms and conditions regarding the contributions and withdrawals, any penalties for early withdrawals, and the investment options in the plan.
After choosing a plan, contribute regularly and track your investments, especially if you are investing in a unit-linked pension. Set a payment schedule that suits your finances. Depending on the kind of annuity due that you choose in a given plan, you will start receiving your retirement income. Be informed about any modifications in the plan so as to maximize the retirement investment and be in a position to stay at par with your long-term financial expectations.
Your life will keep changing with time. It is vital to review your plan on a regular basis in order to make sure it is in line with your changing requirements. For instance, a plan purchased in your 20s may need a relook in your 40s to account for income growth or the addition of a new family member as a nominee.
Every insurance provider has a specific set of ground rules that dictate who can actually buy into a pension scheme. Here is a breakdown of the standard eligibility parameters you will see:
Insurance companies need to know exactly when you are buying the plan. You can usually purchase a retirement plan the moment you are 18 years old. Most insurers will cap the entry age right around 65 or 70 years old, though a handful of specialized policies do cater specifically to older, late-stage buyers.
Every single policy establishes a baseline minimum premium to keep the contract alive. This can be affordable, sometimes starting at just a few thousand rupees a year. On the flip side, there is rarely a maximum ceiling. You can generally invest as much wealth as your financial appetite allows.
Vesting age refers to the exact milestone when your regular pension payouts finally begin. You have flexibility here. If you are aiming for an early exit, you can often trigger payouts as early as age 40. If you prefer to maximize your compounding, you can comfortably push that starting line all the way back to 80 or 85.
You are not locked into a one-size-fits-all schedule. You can pay a single, one-time lump sum payment, commit to a limited payment window of 5 to 10 years, or just continue making regular, steady contributions throughout the entire life of the policy. The choice rests entirely on your current cash flow.
It is the total number of years your money sits locked in the account, quietly growing before it transitions into an active pension. Depending entirely on when you start and when you want to retire, these terms can be as brief as 10 years or stretch seamlessly across three or four decades.
Understanding what is nominee in insurance is also important. Most plans let you name a nominee, who receives the remaining benefit if you pass away before or during the payout phase.
A nominee receives policy proceeds subject to the policy terms and applicable law. Depending on the plan, your nominee might receive a lump sum, continue receiving your annuity under a joint-life structure, or get the total premiums paid back as a death benefit. Review and update your nominee after any major life event, like marriage, divorce, a birth in the family, or the death of a previously named nominee.
The best pension plan in India helps ensure a stable income during your retirement by working through two key phases, known as the accumulation phase and the distribution phase. Let us understand how a pension plan works through the journey of Arun, a 40-year-old professional planning for a secure retirement.
Arun decides to invest in a pension plan to create a reliable income stream after he stops working. Here is the structure of his retirement plan:
This is where commuted pension comes in, letting you take a portion (often up to 60%) as cash upfront while the remainder funds your ongoing annuity income. Upon reaching the retirement age of 60, Arun can now access his retirement fund as per regulatory guidelines:
The remaining 40% of the corpus must be used to purchase an annuity from a life insurance company. An annuity is a financial product that guarantees a regular income for life.
Before investing, using a pension calculator can help estimate the corpus you will need and the annuity you are likely to receive based on your inputs.
Meet Nikhil, 30-year-old healthy male with annual income above ₹10 Lakh, planning for his retirement
Yrs
Nikhil chooses Kotak Confident Retirement Builder — ₹8,000/month premium (~₹266/day), 100% premium allocated, zero allocation charges
Yrs
Nikhil makes regular monthly premium payments for 10 years (PPT 10), building his retirement fund
Yrs
From end of Year 6, Yearly Additions of 3% of Annual Premium are added to Nikhil's fund every year
Yrs
At age 50, Nikhil's policy matures (PT 20) — his Fund Value (incl. Yearly Additions) reaches the corpus shown below
Nikhil's retirement corpus at age 50 (illustrative @8% p.a.)*
₹28.55 Lakh
Inclusive of Yearly Additions. Values not guaranteed; for illustrative purposes only.
Meet Nikhil, 30-year-old healthy male with annual income above ₹10 Lakh, planning for his retirement
30
Yrs
36
Yrs
50
Yrs
Nikhil's retirement corpus at age 50 (illustrative @8% p.a.)*
₹28.55 Lakh
Inclusive of Yearly Additions. Values not guaranteed; for illustrative purposes only.
Finding and availing the right pension and retirement benefits includes knowing what is pension plan and the types of pension plans in India. If you are wondering which is the best pension plan in India, here are the available options:
| Plan Type | How it works | Benefits | Tax Benefits+ |
| Immediate Annuity | Pay a single lump-sum premium; insurer starts paying pension immediately (monthly/quarterly/yearly) | Instant, guaranteed income; ideal for those retiring with a corpus ready. | Premiums eligible under Section 123 read with Schedule XV of the Income Tax Act 2025; annuity incomes are taxed as per slab |
| Deferred Annuity | Two phases: accumulation (pay premiums) + payout (regular pension after deferment). | Builds corpus systematically; benefits from compounding. | Premiums eligible under Section 123 read with Schedule XV of the Income Tax Act 2025; annuity incomes are taxed as per slab |
| Pension Funds | Invest via lump sum or SIP in equity/debt funds; redeem at retirement for annuity or SWP. | Market-linked growth potential; flexible and liquid | Eligible if part of notified schemes (e.g., NPS); capital gains taxed per MF rules. |
| Life Annuity | Pension paid for entire life; options include Joint Life or Return of Purchase Price. | It provides a lifelong income guarantee, eliminating the risk of outliving your savings | Annuity incomes are taxed as per slab |
| National Pension Scheme (NPS) | A government-backed, market-linked retirement scheme. You contribute regularly during your working years. At retirement, you can withdraw up to 60% of the corpus as a lump sum fully exempt from tax under current regulations, while the remaining 40% must be used to purchase an annuity | Low-cost, regulated, good returns potential | Offers tax deductions under Section 123 read with Schedule XV of the Income Tax Act 2025 and an exclusive deduction of up to ₹50,000 under Section 124 of the Income Tax Act 2025 |
| Public Provident Fund (PPF) | 15-year government savings scheme; maturity corpus can fund an annuity | Guaranteed, risk-free returns | EEE status: contributions, interest, and maturity proceeds are all fully exempt from taxation |
| Pension Plans With/Without Life Cover | With cover: nominee gets death benefit; without cover: pure investment, fund value to nominee | Dual advantage: retirement corpus + family protection | Premiums deductible under Section 123 read with Schedule XV of the Income Tax Act, 2025; annuity incomes are taxed as per slab |
| Employee Pension Scheme (EPS) | Employer’s EPF contribution partly diverted to EPS; defined pension at 58 | Government-guaranteed lifelong pension | Pensions are fully taxable for employees |
| Government-Backed Pension Schemes: EPF, NPS, APY and PPF | EPF, NPS, APY and PPF help build a retirement corpus through regular contributions, with EPF employer-linked, NPS market-linked, APY offering a guaranteed pension and PPF providing fixed-interest savings. | They offer disciplined long-term savings, retirement income, and varying levels of capital safety. | Under the old tax regime, EPF/PPF contributions qualify under Section 123, while NPS can offer an additional deduction under Section 124; |
Pension plans, NPS, and PPF serve different purposes. Many people use more than one rather than trying to force one product to do everything.
| Feature | Pension/Annuity Plan | NPS | PPF |
| Main Purpose | Retirement corpus or income, depending on plan | Long-term retirement savings | Long-term government-backed savings |
| Investment Approach | May be market-linked or non-linked | Market-linked asset allocation within NPS rules | Government-declared interest rate, subject to rules |
| Income Option | Can provide annuity choices | Part of corpus is generally used for annuity under applicable exit rules | Does not itself create a lifelong annuity |
| Liquidity | Depends on policy terms; may be restricted | Regulated withdrawal and exit rules apply | Long tenure and specified withdrawal rules |
| Life cover | May be present during accumulation in some policies | Not an in-built life insurance product | Not a life insurance product |
| Tax Treatment | Subject to applicable tax provisions | Subject to applicable tax provisions | Subject to applicable tax provisions |
The debate around ULIP vs mutual fund follows a similar logic. One bundles insurance with investment, the other keeps them separate, and your choice depends on whether you want that bundling at all.
A pension plan can offer tax benefits at the contribution stage, subject to the plan’s eligibility and the tax regime you choose. However, tax savings should support your retirement decision, not be the only reason to buy a plan. Here are the various tax benefits available with pension plans in India:
Let us understand this with the help of an example. Say you pay ₹1.5 lakh a year toward an eligible pension plan and you fall in the 30% tax bracket. If you claim the full ₹1.5 lakh deduction under Section 123 of the Income-tax Act, 2025 (the provision that carries forward the old Section 80CCC benefit), your taxation could drop by roughly ₹46,800 for that financial year.
Here is a quick summary table for tax deductions:
| Tax aspect | What It Means |
| Relevant Section | Premiums paid towards eligible pension or annuity plans may qualify for a deduction under Section 123 {Erstwhile known as Section 80CCC) |
| Who Can Claim | Individual taxpayers who pay premiums towards an eligible pension plan |
| Maximum Deduction | Up to ₹1.5 lakh in a financial year |
| Overall Limit | Section 123 (Erstwhile known as Section 80CCC) shares the ₹1.5 lakh limit with Sections 123 and 124 |
| Tax Regime | The deduction is generally available only under the old tax regime |
| Pension Income | Regular pension or annuity income received later may be taxable as per applicable tax laws |
| Surrender Proceeds | Amount received on surrender, including applicable interest or bonus, may be taxable in the year of receipt |
| Documents | Keep your policy number, premium-payment receipt, and policy document for tax filing and future reference |
Setting a clear retirement goal can be challenging, as it is often difficult to figure out how much to invest, what returns to expect, and how much you will have at the end. Instead of relying on estimates or complicated mathematical calculations, the pension calculator offered by Kotak Life processes the calculations for you in seconds. It provides a crystal-clear, realistic financial roadmap made specifically for your monthly pension plans, among others.
Here is a quick look at what makes this tool helpful:
Instant Clarity: Quickly calculates the exact lump-sum corpus you need to comfortably maintain your current lifestyle after you stop working.
Inflation-ready: Automatically factors in the inflation, ensuring your future projections are not falling short of reality.
Fully Customizable: Easily tweak your variables. You can change your current age, expected retirement age, and monthly expenses to see how different choices impact your final goal.
Calculator : Check your pension with our pension calculator
Calculating your pension return helps you understand how to plan for retirement in your 20s and is a practical necessity for proving your investment is building real wealth. You need to know the components of growth, the factors that kill it, and the tools to get a precise estimate.
Retirement pension schemes generate returns in three distinct ways. You must know which type your money is in. This would help you understand how to get a 30000 pension per month.
Matching the return type to your risk tolerance is the first step in building a realistic plan.
Manual formulas are too complex and prone to error, making a quality online retirement calculator the standard tool for this job. The Kotak Life retirement calculator, for example, provides a clear estimate in a few steps.
The national pension scheme calculator then delivers your two most important numbers: the total corpus you need and the monthly savings to get there.
Two factors have the biggest impact on your final corpus: how much you invest and for how long.
Several factors reduce the actual growth of your money, meaning your advertised return is rarely your real return. If you are looking for how to plan for retirement in your 40s, it is important to account for these factors:
An investor who starts at 30 can build a retirement fund of nearly ₹4.5 crores by age 60. The plan requires putting aside ₹20,000 per month and achieving a 10% average annual return. This process turns a general hope for retirement into a measurable objective.
Fund 5 year Returns
11.8%
Bench Mark 5 year returns
8.2%
Investment objective
Aims for a high level of capital growth for you, by holding a significant portion in large sized company equities.
Fund 5 year Returns
10.9%
Bench Mark 5 year returns
8.9%
Investment objective
Aims to maximize opportunity for you through long term capital growth, by holding a significant portion in a diversified and flexible mix of large / medium sized company equities.
Fund 1 year Returns
23.1
Bench Mark 1 year returns
15.2%
Investment objective
Aims to maximize opportunity for long-term capital growth, by holding a significant portion in a diversified and flexible mix of medium and small sized company equities.
Fund returns are as on 31st-Aug-2026 Click here to view past performance of the funds
Below are the documents necessary to buy a retirement plan:
| Requirements | Document Type |
| Age Proof |
|
| Identity Proof |
|
| Address Proof (Any one) |
|
| Income Proof (Any one) |
|
| Medical Condition Proof |
|
An immediate annuity is designed for someone who already has a lump sum and wants income to begin soon. A deferred annuity is for someone who wants to set aside money now and start income at a future date. Choosing between an immediate annuity vs deferred annuity really comes down to one question: do you need income now, or can you afford to wait and let the corpus grow first?
Choose an immediate annuity when regular income is needed now, and you are comfortable converting part of your corpus into a selected payout structure. Choose a deferred option when retirement is years away, and the priority is building a larger corpus first. In both cases, compare payout frequency, joint-life protection, return-of-purchase-price options, surrender terms, and taxation.
If you are wondering what is an annuity plan, you should know that it is the mechanism that converts a lump sum into a guaranteed income for the rest of your life. The exact structure and payout option you choose is what determines how that income flows and to whom. Here are the available payout options:
| Payout Option | How it Works | Best Suited For |
| Life Annuity | Pays out for as long as you're alive; payments stop on your death | Single individuals prioritizing maximum monthly income |
| Joint Life Annuity | Continues to your spouse after your death, at the same or reduced rate | Married couples wanting continuity of income for the survivor |
| Return of Purchase Price | Pays a lower annuity but returns the original invested amount to your nominee on death | Buyers who want their capital preserved for heirs |
Not all plans are created equal, and understanding how they work is important. Pension plans generally focus on the accumulation phase, helping you systematically build up a corpus during your working years. Annuity plans, on the other hand, take that accumulated wealth and systematically give it back to you as a guaranteed, stress-free paycheck once you finally stop working. If you are wondering what is annuity is, it is simply a tool that turns years of disciplined saving into a paycheck you can count on for the rest of your life.
The right fit ultimately depends on your current age, your risk appetite, and your exact post-retirement goals. Do you want a large lump-sum payout to start a passion business or travel the globe? Or are you strictly looking for a monthly deposit to cover your grocery and utility bills? For many, a hybrid approach works best.
Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors
Kotak Lifetime Income Plan; UIN: 107N103V20. It is a non-participating, non-linked, general annuity product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Annuity Option selected is Lifetime Income with 45 years age for male, channel is online channel.
Kotak Assured Pension UIN: 107N123V13. This is a non-linked, non-participating, general annuity plan. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.
$The Above illustration is for a healthy male aged 50 who has opted for Kotak Assured Pension’s Last survivor Lifetime Income with 100% annuity to Secondary Annuitant, spouse’s age is 50 years. He pays single premium of ₹10 Lakh. He starts receiving ₹61,800 every year from the age of 50 guaranteed for life. Client category: New Customers for online channel.
#The Above illustration is for a healthy male aged 40 who has opted for Kotak Assured Pension’s Last survivor Lifetime Income with 100% annuity to Secondary Annuitant, spouse’s age is 40 years. He pays single premium of ₹10 Lakh. He starts receiving ₹61,800 every year from the age of 40 guaranteed for life. Client category: New Customers for online channel.
Kotak Confident Retirement Savings Plan UIN: 107N162V01. This is a participating non-linked pension individual savings plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. This product is available for sale through online mode. 1Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn’t construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under this plan are dependent upon the performance of the participating Funds.
Kotak Confident Retirement Builder UIN: 107L136V02. This is a non-participating unit-linked pension individual savings product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. This product is available for sale through online mode.
*The above illustration is for a healthy male aged 25 who has opted for Kotak Confident Retirement Builder with a 10-year premium paying term and a 35-year policy. The per month premium is ₹10,000/month. At age 60, his corpus will be ₹1.02 crore @8% / ₹33.11 lakh / @4%. The investment strategy opted is Self-Managed Strategy with 100% allocation in Pension Money Market Fund II SFIN (ULIF-039-28/12/09-PNMNMKFND107), aims to protect your capital and not have downside risks.
^The above illustration is for a healthy male aged 30 who has opted for Kotak Confident Retirement Builder for 10 years under a 20-year policy. The per month premium is ₹8,000 /month (about ₹263/day). At age 50, his corpus will be ₹28.54 Lakh @8% / ₹16.04 Lakh @4%. The investment strategy opted is Self-Managed Strategy with 100% allocation in Pension Money Market Fund II SFIN (ULIF-039-28/12/09-PNMNMKFND107), aims to protect your capital and not have downside risks.
0The above illustration is for a healthy male aged 25 who has opted for Kotak Confident Retirement Builder with a 10-year premium paying term and a 40-year policy. The per month premium is ₹5,000/month (about ₹164/day) At age 65, his corpus will be ₹72.38 lakh @8% / ₹19.33 lakh @4%. The investment strategy opted is Self-Managed Strategy with 100% allocation in Pension Money Market Fund II SFIN (ULIF-039-28/12/09-PNMNMKFND107), aims to protect your capital and not have downside risks.
£The assumed non-guaranteed rates of return chosen in the illustration are 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. The actual experience may be different from the illustrated. Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time
Goods and Services Tax for all individual life insurance policies is exempted. Goods and Services Tax and Cess thereon, shall be charged if any and are subject to change from time to time as per the prevailing tax laws and/or any other laws inforce
+Tax benefits on premiums paid are subject to conditions specified under Section 11 read with Schedule II(2) and Section 123 read with Schedule XV of the Income-tax Act, 2025. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from Tax Advisor.
! https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf
®NNPS Rank – Hansa Research CuES 2026 Report
^Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire premium payment term and the policy is in force.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Kotak Mahindra Life Insurance Company Limited. Reg No. 107 | CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051, Toll Free: 1800 209 8800 | Website: www.kotaklife.com | WhatsApp: 9321003007 | Email: kli.in/WECARE | Ref. No. KLI/26-27/E-WEB/1626
Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited under license.
Pay ₹1 lakh* for 10 years
GET ₹6,858
Monthly income for life
GET ₹85,700
Yearly income for life
*T&C
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Beware of spurious emails with fictitious/fraudulent offers. Persons receiving such emails mentioning Kotak Life are requested to highlight the same immediately to kli.riskcontrol@kotak.com with "Spurious Email" in the subject line.
Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.
Kotak Mahindra Life Insurance Company Ltd. Regd. Office: 3rd Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai - 400 051. Website: www.kotaklife.com I Email:kli.in/WECARE I Toll Free No.: 1800 209 8800. Registered with Insurance Regulatory & Development Authority (IRDAI) as Life Insurance Company. Regn. No. 107. CIN : U66030MH2000PLC128503
© 2026 Kotak Mahindra Group. All rights reserved.
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Line: 9
Function: view
File: /var/www/kli/application/libraries/Template.php
Line: 14
Function: view
File: /var/www/kli/application/controllers/Insuranceplan.php
Line: 630
Function: load
File: /var/www/kli/index.php
Line: 317
Function: require_once
