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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 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.


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Kotak Secure Return Superannuation Plan

A Group Variable Insurance Superannuation Plan

Kotak Secure Return Superannuation Benefit is designed to cater to the needs of employers, trustees state governments, central government, PSUs planning to fund group members’ superannuation benefit schemes. It is comprehensive employee benefit solution to manage the superannuation schemes in the most efficient manner.

Key features

  • Composite employee benefit solution to cater to the requirements of superannuation schemes

    The nature of the schemes may be Defined Benefit (DB) or Defined Contribution DC).Depending on the scheme rules, the benefits in the event of death,retirement 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): 75 years
  • Term

    • 1 year renewable
  • Contribution

    • Min. Defined Benefit: Rs. 15,00,000
      Defined Contribution: Rs. 2,000 per member
    • Max: No Limit

    Know More About Our Other Group Insurance Offerings.


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

Benefit for the Employer

  • Any amount received by the trustees on behalf of an approved superannuation fund is exempt under sec 10(25) (iii).
  • The amount of deduction available on ordinary annual contribution to an approved superannuation fund shall not exceed 27% (including the contribution to Provident Fund) of the employee’s annual basic salary for each year of his service under section36 (1)(iv) of the Income Tax Act, 1961.

Benefit for the Employee

  • Any employee contribution towards an approved superannuation fund qualifies for tax deduction (up to 1 lac) under section 80 C of the Income Tax Act, 1961.
  • On death, the benefit paid to nominee shall be exempt from tax under section 10(13) and shall be as per the scheme rules of the employer’s superannuation scheme.
  • On retirement (vesting), the benefit shall be as per the scheme rules of the employer’s superannuation scheme and commuted benefit shall be tax free.
  • Any contribution by employer to approved superannuation fund up to 1 lac will not be included in perquisites of the employee under Sec 17(2)(vii)
  • At the time of withdrawal from service, employee has an option to transfer his superannuation account to his/her new employer, if allowed as per scheme rules of the superannuation fund.

Tax benefits are subject to change in the tax laws. You are advised to consult your tax advisor for details.

Kotak Secure Return Superannuation Plan– UIN No.: 107N086V02 Form No: N086 Ref No:KLI/17-18/E-WEB/543

Regd. Office:

Kotak Mahindra Life Insurance Company Ltd.(Formerly known as 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)

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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