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Life Insurance: Kotak Life Insurance Company In India 2025 
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Classic Opportunities Fund

(ULIF-033-16/12/09-CLAOPPFND-107)

If you had invested ₹10,000 for 10 years ​you would get ₹16 Lakhs @8%

10.8%

Benchmark Returns

10.1%

Returns

​Life Cover Included

​(5 year returns as on 31ST MARCH 2026)

CHECK RETURNS

What is Kotak Life's Classic Opportunities Fund

The Classic Opportunities Fund from Kotak Life is a flexible investment choice that is part of ace investment plans. It is designed to increase the value of your capital over time by strategically investing in a wide range of stocks. This fund is made for policyholders who are willing to take on more risk and want to invest for the long term by seeking to capitalize on market opportunities.

Kotak Life Fund Example

How the Fund Works

The Kotak Classic Opportunities Fund is designed to help policyholders grow their wealth over the long term. It does this by investing primarily in large- and mid-cap company stocks with strong growth potential. As part of a ULIP (Unit Linked Insurance Plan), the fund not only aims to deliver market-linked returns but also provides the added benefit of life insurance cover. It offers a balanced approach by spreading investments across sectors and retaining flexibility to manage market risks effectively, making it ideal for long-term financial goals.

This fund 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

Classic Opportunities Fund

Last 5-year Returns

10.8%

Fund Returns

10.1%

Benchmark Returns

Last 1-year Returns

-2.1%

Fund Returns

-4.2%

Benchmark Returns

Sine Inception

11.9%

Fund Returns

10.1%

Benchmark Returns

(As on 31ST MARCH 2026)

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

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Investment Illustration

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Benefits of Kotak Life's Classic Opportunities Fund

Choosing an investment fund means looking beyond its objective to understand the tangible advantages it offers. The Classic Opportunities Fund is structured to provide several key benefits to a long-term investor. Here is a closer look at what sets it apart.

Pure Risk Coverage

Focused Equity Allocation for Higher Growth

The fund primarily invests in equities, or stocks. This aggressive allocation is on purpose. Stocks are riskier than other types of investments, but they also have the best chance of making a lot of money over time. The fund's goal is to use the power of compounding to make big returns and speed up your journey to building wealth by focusing on stocks.

Pure Risk Coverage

Well-Diversified Portfolio

The fund is focused on growth, thereby the portfolio is strategically spread out across different parts of the economy, like healthcare, technology, banking, and consumer goods. This diversification is a key way to manage risk. It protects the fund from a drop in any one sector, which makes growth more stable.

Pure Risk Coverage

Experienced Fund Management

A group of experienced financial experts actively manages the Classic Opportunities Fund. Their job is to constantly study the market, look at companies, and choose stocks that have a good chance of growing. This active management means that experts are looking for the best investment opportunities for you and dealing with the ups and downs of the market.

Pure Risk Coverage

Strong Long-Term Track Record

The Kotak Classic Opportunities Fund has consistently delivered strong long-term returns since its inception in 2009. With an average annualised return of over 13% across 10+ years, the fund has demonstrated resilience through various market cycles. Its focus on quality large- and mid-cap stocks has helped create sustained wealth for policyholders investing via Kotak ULIP plans. This track record makes it a preferred choice for long-term investors seeking growth with the added benefit of life cover.

Flexibility

Suitable for Goal-Based Investing

The way the fund is set up makes it a great way to reach both short-term and long-term financial goals. This fund's growth-oriented approach is meant to help you reach your goals, whether they are to build a retirement fund, save for your child's college education, or just make a lot of money over the next 15 to 20 years. This potential, along with the security of a life insurance policy, makes it a great way to protect and grow your family's future.

Who Should Invest in Kotak Life's Classic Opportunities Fund

Every type of investment is made with a certain type of investor in mind. The Classic Opportunities Fund is not a one-size-fits-all solution; it is made for people with a different set of financial goals and levels of risk tolerance. If you fit into one of the following categories, this fund is a great choice for you.

Pure Risk Coverage

Long-Term ULIP Investors Seeking Equity Growth

This fund is perfect for you if you want to grow your money through the stock market over the next 10 years or more within a Unit Linked Insurance Plan (ULIP). This is best suited for investors who understand that the market can go up and down and are focused on the end goal of making significant money.

Pure Risk Coverage

Policyholders Wanting Investment + Life Cover

The Classic Opportunities Fund is part of a ULIP plan, which gives you the best of both worlds: life insurance and investment. This fund is great for people who want to grow their wealth while also getting life insurance for their loved ones. It provides an easier way to keep track of both your investment goals and your family's financial security in one plan.

Pure Risk Coverage

Tax-Saving Investors Under Section 80C

This is a great option if you are looking to save your money on taxes. Under Section 80C of the Income Tax Act, you can deduct up to ₹1.5 lakh from your taxes for the premiums you pay on the ULIP. Also, according to the income tax act, the maturity proceeds may also be tax-free under Section 10(10D), but only if certain conditions are met.

Pure Risk Coverage

Moderately Aggressive Investors Comfortable with Market Risk

The main goal of this fund is to grow, which means it is exposed to market risk. Therefore, this fund is best for people who are willing to take some moderate risks. You should be comfortable with the stock market's natural ups and downs and know that the value of your investment can change. This fund is for you if you are willing to accept this level of risk in exchange for the chance to accumulate money over the long term.

FAQs on Kotak Life's Classic Opportunities Fund

1

What is Kotak Life’s Classic Opportunities Fund?

It is an equity based fund scheme that can be used as part of their ULIP Plans. It mostly aims at the long-term capital appreciation through an investing strategy of a diversified portfolio of stocks.

2

What is the equity allocation of this fund?

The fund holds quite large equity and equity related instrument exposure which in most cases is between 75-100 percent. This aggressive approach tries to maximize the long term expansion capability.

3

Who manages this fund?

This fund is managed by a team of professional fund managers at Kotak Life Insurance. It is the work of these professionals to undertake research about the market and do a strategic selection of stocks to construct the portfolio of the fund.

4

How has the fund performed historically?

The Classic Opportunities Fund is one with competitive long term performance. For the most current and detailed performance figures, you should always refer to the fund's latest monthly fact sheet.

5

What are the top sectors the fund invests in?

Although the portfolio can change, by default, it tends to invest in high-growth areas. The common enterprises include banking and financial services, information technology enterprises, healthcare and the consumer goods enterprises. The capital is distributed depending on the identifiable market opportunities by the fund manager.

6

What kind of investor is this fund suitable for?

This fund suits an investor having a long term investment horizon (10+ years) and moderately aggressive risk-taking ability. It is most suitable in those cases where one wishes to accumulate wealth by participating in an equity market and also enjoy life insurance cover.

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 Signature Term Plan - UIN: 107N139V01.Kotak Permanent Disability Benefit Rider - UIN: 107B002V03,Kotak Critical Illness Plus Benefit Rider - UIN: 107B020V02,Kotak Accidental Death Benefit Rider – UIN: 107B001V04.

This is a Non-Participating Non-Linked Life Insurance Individual Pure Risk Product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. For more details on riders please read the Rider Brochure.

$The premium figures are exclusive of Goods and Services Tax and cess. Goods and Services Tax and Cess thereon, shall be charged as per the prevalent tax laws over and above the said premiums. The Above is an illustration of the benefits payable 30 years old male for a policy term of 20 years and premium payment term of 10 years with the annual premium of ₹25,000 and a Sum Assured of ₹200,00,000. @Annualized Premium shall be the premium amount payable in a year chosen by the policy holder, excluding the taxes, rider premium, underwriting extra premiums and loadings for modal premium, if any.

Kotak Mahindra Life Insurance Company Ltd. Regn. No.:107, CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai- 400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 |Toll Free No. – 1800 209 8800 | Ref. No.:KLI/25-26/E-WEB/871.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited under license.

Customer Care Customer Care: 022-45811311

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