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Kotak e-Invest

Insurance and Investment in one plan.

Kotak e-Term

Protect your family's financial future.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals.

Kotak T.U.L.I.P

A plan that works like a term plan, and Earns like ULIP Plan.

Kotak Assured Savings Plan

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

Kotak Assured Pension

A plan that offers immediate or deferred stream of income

Kotak Lifetime Income Plan

Retirement years are the golden years of life.

Kotak Guaranteed Savings Plan

A plan that offers long term savings and life cover.


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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. Manoj Bharadwaj Senior Vice President & Debt Fund Manager

Manoj Bharadwaj has over 18 years of experience in financial markets. Prior to joining Kotak Life in March 2022, he worked with ICICI Bank for over 15 years. Over the past decade, he was involved in trading various instruments in the fixed income space. At Kotak Life, his key responsibilities include management of fixed income portfolios in Unit Linked portfolios. He has completed his B.Com from Mumbai University and MMS in Finance from SIES College of Management Studies.