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  • Kotak e-Term Plan

    Kotak e-Term Plan is a pure term plan that provides a high level of protection to your loved ones in your absence.

  • Kotak Health Shield

    The Kotak Health Shield Plan helps secure your finances in times of sudden medical expenses related to illness such as Cardiac, Liver, Neuro and Cancer (all early and major stages of illness /conditions of Cancer); along with offering protection for Personal Accident - in case of accidental death or disability.


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Investment Philosophy


Risk Management

  • System Based (Investment system, Attribution system) approach from front office to back office.

  • Periodic Review by Investment Committee.

  • Emphasis on regulatory as well as internal mandates like stock exposure, sector exposure, issuer limits, maturity limits.

Investment Team

Mr. Sudhakar Shanbhag Chief Investment Officer

Mr. Shanbhag has been part of the Kotak Group in varying capacities for close to a two decades. Prior to Kotak Life Insurance, Mr. Shanbhag was part of the Treasury team at Kotak Mahindra Bank. He has also been an integral part of the Kotak Prime team for 11 years, serving first as a Chief Financial Officer and then taking over as Chief Operating Officer.

Mr. Shanbhag, a widely quoted knowledge leader in the investment domain, has close to two and half decades of work experience. Mr. Shanbhag is a qualified Chartered Accountant


Mr. Hemant Kanawala Head Equities

Mr. Kanawala has over 20 years of experience in capital markets, of which 15 years has been with Kotak Group. While in Kotak he has managed Funds in PMS, Offshore and Life Insurance.

Mr. Hemant has done PGDBM, IIM Lucknow (1995) and is a BE, Mumbai University (1993)


Mr. Rohit Agarwal Equity Fund Manager

Mr. Agarwal has over 10 years of experience in capital markets. Before joining Kotak in 2011, Mr. Agarwal was associated with JP Morgan for about 6 years.

Mr. Agarwal is a Bachelor of Commerce (2001) and has done PGDBM, Symbiosis Pune (2005).


Mr. Kunal Shah Debt Fund Manager

Mr. Shah has over 12 years of experience in debt capital markets. of which last 8 years have been with Kotak Life Insurance.

Mr. Shah is a Bachelor of Commerce (2001) , MBA (Finance), Sinhgad Institute, Pune (2004) and CFA (CFA Institute, USA)