Savings Plan

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Riders shall not be available for policies purchased through POS distribution channel.

Disclaimers:

^{^}Tax Benefits:

Tax benefits under the policy are subject to conditions as per Section 123 read with Schedule XV; Section 126 and Section 11 read with Schedule II(2); Section 202 and other provisions of the Income Tax Act, 2025 if any, as applicable. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from Tax Advisor.

Kotak Assured Savings PlanUIN: 107N081V09. Kotak Term Benefit Rider UIN: 107B003V03 Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Life Guardian Benefit Rider UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02.

^#The above illustration is for an 18-year-old healthy male, non-smoker who is willing to invest ₹10,000 per month and will pay for 10 years for this policy; where the policy term is 20 years.

^£The above illustration is for male aged 18 years investing for self, Premium: ₹20,000 p.a., Premium Payment Term: 10 years, Policy Term: 20 years.

The premiums are assuming the policy is bought Online.

Kotak Guaranteed Fortune BuilderUIN: 107N128V09. Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02.

^αThe above illustration is for male aged 18 years investing for self, Premium: from ₹30,000 p.a., Premium Payment Term: 10 years, Deferment Period: 5 years, Policy Term: 15 years, Income Benefit Period: 15 years & Income Benefit Frequency: Annual. Plan option opted is Long Term Income – Income with 100% Return of Premium. The premium is assuming the policy is bought Online.

Kotak Fortune Maximiser UIN: 107N125V03, Kotak Term Benefit Rider, UIN: 107B003V03,Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03 Kotak Life Guardian Benefit, UIN: 107B012V02,Kotak Accidental Disability Guardian Benefit, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider - 107B020V02

^πThe above illustration is for Male aged 18 years, Premium: ₹40,000 p.a., Premium Payment Term: 10 years, Policy Term: 67 years. Bonus option opted for Cash Payout Immediate and payout frequency is yearly. The premium is assuming the policy is bought Online.

^βThe assumed non-guaranteed rates of return chosen in the illustration are 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. The actual experience may be different from the illustrated. Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time. Benefits under this plan are dependent upon the performance of the participating funds.

^&&GST is exempted for all individual life insurance policies effective from 22nd September 2025 and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums.

^@Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire premium payment term and the policy is in force.

¹Solvency Ratio Disclaimer: KotakMahindraLifeInsuranceCompany.pdf

^*Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time.

Kotak Fortune Maximiser UIN: 107N125V03, Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is Participating Non-Linked Life Insurance Individual Savings Product. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure.

Kotak Guaranteed Fortune Builder, UIN: 107N128V09 Kotak Term Benefit Rider, UIN:107B003V03, Kotak Accidental Death Benefit Rider, UIN:107B001V04, Kotak Permanent Disability Benefit Rider, UIN:107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. A Non-Participating Non-Linked Life Insurance Individual Savings Product. This is a saving and protection oriented plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure.

Kotak Assured Savings Plan UIN: 107N081V09 Kotak Term Benefit Rider – UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Life Guardian Benefit Rider – UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider – UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is a non-participating non-linked life insurance individual savings product. This is a saving cum protection oriented plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure.

Kotak Guaranteed Savings Plan UIN: 107N100V05. Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02. This is a non-participating non-linked life insurance individual savings product. This is a saving and protection oriented plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure.

Kotak Get Assured Income Now UIN: 107N141V02, Kotak Term Benefit Rider, UIN: 107B003V03; Kotak Accidental Death Benefit Rider, UIN: 107B001V04; Kotak Permanent Disability Benefit Rider, UIN: 107B002V03; Kotak Life Guardian Benefit Rider, UIN: 107B012V02; Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is a Participating Non-Linked Life Insurance Individual Savings Product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.

Kotak SmartLife Plan UIN: 107N102V04, Kotak Term Benefit Rider UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02, Kotak Life Guardian Benefit Rider UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02. This is a Participating Non-Linked Life Insurance Individual Savings Product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.

Kotak Sampoorn Bima Micro-Insurance Plan UIN: 107N092V03. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. This is a non-participating non-linked life insurance individual savings product.

Kotak Classic Endowment Plan UIN: 107N082V03, Kotak Term Benefit Rider UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02, Kotak Life Guardian Benefit Rider UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02. This is a Participating Non-Linked Life Insurance Individual Savings Product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.

Kotak Gen2Gen Income UIN: 107N163V01, Kotak Term Benefit Rider UIN: 107B003V03; Kotak Accidental Death Benefit Rider UIN: 107B001V04; Kotak Permanent Disability Benefit Rider UIN: 107B002V03; Kotak Life Guardian Benefit Rider UIN: 107B012V02; Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02; Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is a Participating Non-Linked Life Insurance Individual Savings Product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure. Kotak Life Guardian Benefit Rider is not available for Legacy Income & Legacy Paid-Up Additions Options. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.

Sukanya Samriddhi Yojana (SSY) Disclaimer:

^~Interest rate of 8.2% per annum Source:

https://economictimes.indiatimes.com/wealth/invest/sukanya-samriddhi-yojana-offers-8-2-interest-now-eligibility-how-to-invest/sukanya-samriddhi-yojana-offers-8-2-interest/slideshow/111345233.cms?from=mdr

Post Office (PO) Savings Scheme Disclaimer:

^~Interest Rate of 4% per annum Source: https://www.indiapost.gov.in/Financial/pages/content/post-office-saving-schemes.aspx

Employees Provident Fund (EPF):

Interest Rate ~8.25% p.a. Source: https://www.newsonair.gov.in/centre-approves-8-25-interest-rate-on-epf-deposits-for-fy-2024-25/#:~:text=The%20Centre%20has%20approved%208.25,the%20financial%20year%202024%2D25

This website content only gives the salient features of the plan.