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  • Kotak Preferred e-Term Plan

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

  • Kotak e-Assured Savings Plan

    Kotak e-Assured Savings Plan not only provides affordable protection but also helps accrue wealth for accomplishing your upcoming financial aims by giving guaranteed benefits.

  • Kotak e-Lifetime Income Plan

    Kotak e-Lifetime Income Plan gives you the assurance of regular stream of income throughout your lifetime to lead a care-free life.


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Kotak Secure Return Employee Benefit Plan

A Group Gratuity/Leave Encashment Plan

Let your employees enjoy dual benefits. As an employer, we know you want to offer your employees the best you can, without any hassles to you or your employees. That is why Kotak Secure Return Employee Benefit Plan caters to the needs of employers, trustees, state governments, central government, PSUs to plan for funding group members’ benefit schemes. It is designed as a comprehensive employee benefit solution to manage the gratuity and leave encashment schemes in the most efficient manner.

Key features

  • Composite employee benefit solution to cater to the requirements of gratuity and leave encashment benefit schemes

    Depending on the scheme rules, the benefits in the event of death,retirement, resignation, withdrawal or any other exit of the members as per scheme rules will be payable.

  • Guaranteed minimum floor rate

    Minimum floor rate of 2% per annum is guaranteed for the entire term of the policy accumulating on the balance of the Account Value.

  • Competitive additional interest rate declared at the beginning of every quarter

    At the beginning of each calendar quarter KLI will declare a non negative return applicable for that quarter. The additional interest rate will be set equal to 95% of the expected gross yields to be earned on the backing assets less the minimum floor rate.

  • Additional protection

    Option to provide additional life cover at additional cost through Kotak Term Group Plan

  • Convenient renewal process

    This is an annually renewable policy, which will be auto renewed subject to availability of sufficient premiums.


  • Age criteria

    • Age at entry (as on last birthday) Minimum: 18 Years | Maximum: 74 Years
    • Max Maturity Age (as on last birthday): Maximum: 75 years
  • Cover Term

    • 1 year renewable
  • Contribution

    • Minimum: Rs. 15,00,000/- | Maximum: No Limit


Download the brochure to know more about the plan and how it can benefit you.

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Read about Tax benefits & Plan Disclaimer

  • Contributions to an approved Gratuity fund is deductible under section 36 (1)(v) of the Income Tax Act, 1961, subject to the conditions contained therein
  • Income earned from investments received by an approved Gratuity fund is tax-exempt under Section 10(25)(iv) of the Income Tax Act, 1961
  • For Government employees, Gratuity receipts at the time of retirement are completely tax free
  • For Non-government employees, Gratuity receipts are tax-exempt up to the limit of 10 lakhs under Section 10(10) of the Income Tax Act, 1961

Kotak Secure Return Employee Benefit Plan Plan – UIN No.: 107N087V01 Form No: N087 Ref No: KLI/13-14/E-WEB/362

Regd. Office:

Kotak Mahindra Old Mutual Life Insurance Ltd.

Reg No. 107
CIN : U66030MH2000PLC128503
2nd Floor, Plot # C- 12, G- Block, BKC,
Bandra (E), Mumbai - 400051
Toll Free: 1800 209 8800 (8 am to 10 pm)

Insurance is the subject matter of solicitation. Tax Benefits are subject to change in tax laws. You are advised to consult your tax advisor for details.This is a non-participating non unit-linked variable insurance group plan. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.


IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus.
  • Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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  • Kotak Gratuity Group Plan

    Kotak Gratuity Group Plan is a Unit-linked group gratuity plan that helps you fund for the gratuity obligation systematically & effectively and release resources for your core business activities.

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  • Kotak Gratuity Plus Group Plan

    Kotak Gratuity Plus Group Plan is a unit-linked group gratuity plan that helps you fund for the gratuity obligation systematically & effectively and release resources for your core business activities.

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  • Kotak Leave Encashment Group Plan

    Kotak Leave Encashment Group Plan is designed to cater to the needs of employees’ leave encashment liabilities increasing over a period of time.

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