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Kotak e-Term

Protect Your family’s financial future with Kotak e-Term. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more


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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. Churchil H Bhatt Executive Vice President & Debt Fund Manager

Churchil Bhatt is the Executive Vice President at Kotak Mahindra Life Insurance Company (Kotak Life) with over 15 years of experience in the financial markets. In his current role, he is responsible for fund management for Kotak Life with expertise in fixed income and forex markets.

He joined Kotak Mahindra Group in 2007 and his last stint was with Kotak Mahindra Bank as Senior VP for Primary Dealership where he was the investment banker to Government of India’s debt issuances. He has been a part of Kotak Life since September 2020.

Churchil holds a B.E. degree in Information Technology from Gujarat University and is a silver medalist in MBA from VGSOM, II Kharagpur School of Management.
His hobbies range from reading to playing cricket and video games.


Ms. Radhavi Deshpande Chief Investment Officer

Radhavi Deshpande is the Joint President and Chief Investment Officer (CIO) at Kotak Mahindra Life Insurance Company (Kotak Life) since April 2021.

Prior to this role, Radhavi was heading the proprietary trading vertical at Kotak Mahindra Bank’s treasury department with expertise in Fixed Income and Equity Trading.

She started her career with Kotak in 1996 and has rich experience in Proprietary Trading and Fixed Income sales.

An MBA from Institute of Management Education Pune, Radhavi is an avid traveller and a yoga enthusiast. Her other interests include playing sports.


Mr. Gajendra Manavalan Senior Vice President & Debt Fund Manager

Gajendra Manavalan is the Fund Manager – Debt for Kotak Mahindra Life Insurance Company. He joined the Kotak Mahindra Group in 2012 as debt fund manager of Kotak Mahindra Life Insurance. In 2015, he was appointed as Chief Investment Officer of Kotak Mahindra General Insurance Co. In March 2020, he came back to Kotak Life, making this his second stint with the company.

Gajendra has more than 17 years of work experience in the Debt Market. Prior to joining Kotak, he worked as Chief Manager – Investments at MetLife India Insurance Ltd. From 2007 to 2012. Before that, he was with JM Morgan Stanley handling fixed income dealing and research.

With an MBA in Finance from ICFAI Business School, Gajendra has completed his Mechanical Engineering from Bangalore University.

He is a member of Chembur Fine Arts Society and loves playing indoor games with his son.