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About Us

Kotak Life Insurance is one of the fastest growing insurance companies in India, covering over 50 million lives nationwide (as on 30 th June 2023).

About us

Our Vision and Mission

  • Our Vision

    To become India's best life insurance company

  • Our Mission

    To bring assurance to people's lives

  • Our Core Purpose

    To deliver VALUE to our Customers through Protection & Long-term savings (PALTS)

Our Values

We are driven by our strong values that have held us together over the years:

  • Professional Approach

    Recognized as having the highest professional standards. Our employees and advisors will possess superior knowledge & skill, for the benefit of our customers.

  • Innovation

    We create an environment that encourages all employees to innovate, experiment and try out new things without fear of failure.

  • Continuous Improvement

    We relentlessly strive for improvement. Every achievement becomes a milestone for the next level of performance.

  • Financial Prudence

    Customers depend on us to be there in the future to meet promises. We will achieve by efficient cost management, uncompromised  claim payments & superior investment management.

  • Real Value To Customers

    Satisfy our customers. By providing quality products, services, advice sustainable value, and ensure our customers receive excellent solutions to meet their needs.

  • People Friendly

    Employees will determine our future success. We will treat people with dignity. We will invest in the development of our human resources and reward superior performance.

  • Integrity

    Our dealings are characterized by the highest levels of trust,  honesty and fairness.

Our Board of Directors

Our experienced leaders form a strong foundation that steers our company to be the leader in the industry.

Mr. Uday KotakNon-Executive Director - Chairperson

Mr. Uday Kotak is the Non-Executive Director - Chairperson of Kotak Life. He is the Founder and Director of Kotak Mahindra Bank He has played an important role in the growth of the Kotak Mahindra group over the past 38 years. Under his leadership, the Kotak Mahindra group has emerged as one of India’s leading diversified and integrated financial services conglomerates, providing a range of financial solutions covering banking, asset management, alternate asset management, life and general insurance stock broking, investment banking, private banking, microfinance and asset reconstruction. Mr. Kotak has always believed that the true measure of performance is sustainable value creation. This is also reflected in the Kotak Mahindra Bank’s growth where an investment of ₹ 10,000 in 1985 would be worth around ₹ 300 crore today. He has played an important role in defining and developing India’s banking & financial sector over three decades. Mr. Kotak leads several key bodies and is currently Co-Chairman of the Indo-UK Financial Partnership (IUKFP) and Chairman of the Insolvency & Bankruptcy Board of India’s advisory committee on Corporate Insolvency and Liquidation. He is on the International Advisory Panel of Monetary Authority of Singapore, the International Advisory Board of the Government of Singapore Investment Corporation. He was President of the Confederation of Indian Industry (CII) from June 2020 until May 2021. From October 2018 to April 2022, Mr. Kotak also served as Non-Executive Chairman of a specially constituted board of IL&FS (a state-funded non-banking financial company) by the Government of India to steer IL&FS out of a deep crisis, which he served as his national duty. In 2017, a Committee on Corporate Governance constituted by SEBI under the leadership of Mr. Kotak recommended sweeping changes towards more robust and transparent corporate governance. Mr. Kotak has been a recipient of the ‘Ernst & Young World Entrepreneur of the Year Award’ in 2014, ‘Economic Times Business Leader of the Year Award’ in 2015, ‘Businessman of the Year 2016’ by Business India, ‘Lifetime Achievement Award’ at Financial Express’ Best Banks’ Awards 2016, ‘USIBC Global Leadership Award’ at the 2018 India Ideas Summit organised by the U.S.-India Business Council, ‘Life Time Achievement Award’ at Magna Awards 2019 by Businessworld, ‘Best CEO in Banking Sector’ by the Business Today Best CEO Awards 2019 and ‘India Business Leader of the Year’ by CNBC-TV18 at the India Business Leader Awards 2021. Mr. Kotak also has a vision for equitable prosperity that extends beyond financial services. The Kotak Education Foundation (KEF), a philanthropic trust founded by Mr. Kotak, works with some of India’s most economically underprivileged communities, attempting to alleviate poverty through education and livelihood programmes.


Mr. Shivaji DamNon Executive Director

Mr. Shivaji Dam has a strong accounting and cost accounting back ground with over 30 years’ experience of which 21 years have been with the Kotak Group. He has experience in fields such as Corporate Finance, Proprietary Investments, Investment Banking and operating management within the Kotak Group. He is one of the founding Directors of the Company. He led the Kotak group into the life insurance business and was Managing Director of the Company for four years. Mr. Dam is presently involved in philanthropic activities around education and livelihood for children /youth from under privileged families.


Mr. Prakash ApteIndependent Director

Mr. Prakash Apte, was the Managing Director of Syngenta India for a decade & is currently its Non-Executive Chairman. Syngenta India Limited is one of the leading agri business companies in India & Syngenta Group is one of the largest investors in agriculture research and a leading agri business across the world formed resulting from merger/demerger of Agri businesses belonging to Astra Zeneca and Novartis. During more than 42 years of very successful professional career, Mr. Apte has gained varied knowledge in various aspects of business such as vision & strategy development, business integration & transformation, operation excellence etc. and he has been involved with many initiatives for organizational capability up gradation, coaching & people development. Mr. Apte was instrumental in setting up the Syngenta Foundation India which focuses on providing knowledge and support for adopting scientific growing systems to recourse poor farmers and enabling their access to market. Apart from Syngenta India, Mr. Apte has been the Chairman of Kotak Mahindra Bank Limited & serves on the Boards of Fine Organics Ltd., Kotak Mahindra Investment Limited, Blue Dart Express Limited, GMM Pfaudler Limited.


Mr. Chandra Shekhar RajanIndependent Director

Mr. Chandra Shekhar Rajan is a successful leader with over 40 years of experience across significant government portfolios. He is currently as an Independent Director and Part-time Chairman of the Kotak Mahindra Bank Limited. An IAS officer of 1978 batch, he retired as Chief Secretary of the Government of Rajasthan in the year 2016. He served in leadership roles for 12 years in key Infrastructure sectors such as Energy, Highways, Water Resources and Industry including SSI/MSME and worked for 14 years in Agriculture and Rural Development. During his 38 years of service in the IAS he has also acquired experience in the fields of Human Resources, Finance and General Administration. He has served on inter-disciplinary teams for review of World Bank projects in other States and also as a Consultant to the World Bank in a Study on ‘Farmer Participation in Agricultural Research and Extension System’. After his retirement from active service in July 2016, he served as Deputy Chairman in the Chief Ministers’ Advisory Council of Rajasthan for a period of two and half years. In October 2018, Mr. Rajan was appointed by the Government of India on the Board of Infrastructure Leasing and Financial Services Limited (“IL & FS”) initially as Director, thereafter as Managing Director for a period of three and half years, then as Chairman & Managing Director for a year and, since then, he has been serving as the Non- Executive Chairman of IL & FS.


Ms. Farida KhambataIndependent Director

Ms. Farida Khambata has attended the Advanced Management Program at Wharton. She is a co-founder of Cartica, a long-only emerging markets fund. Prior to Cartica, Ms. Khambata was a member of IFC’s Management Group, the senior leadership team of IFC. In her last position at IFC, she served as Regional Vice President, responsible for strategy, investment operations and advisory services in East Asia and the Pacific, South Asia, Latin America and the Caribbean and oversaw all equity investments globally and investments in Agri business, Manufacturing and Services and Health and Education, regardless of geography. Earlier, Ms. Khambata was in charge of IFC’s Portfolio and Risk Management and was also its Treasurer and Director of the Central Capital Markets Department. Prior to joining IFC in 1986, Ms. Khambata worked with the World Bank where she managed pension fund assets. In April 1997, Ms. Khambata was named by Euromoney as one among the Top 50 Women in Finance. In February 2016, Ms. Khambata was bestowed the 'Best Woman Director' Award for 2015 by the Asia Centre for Corporate Governance & Sustainability.


Mr Sanjeev Pujari Independent Director

Mr Sanjeev Pujari has over 35 years of rich and varied experience behind him in the Life Insurance industry across areas such as marketing, marketing strategy, actuarial and risk Management. He has worked both within and outside India, in the public sector as well as in the private sector, including in the statutory roles of Appointed Actuary & Chief Risk Officer. He is a Fellow of the Faculty & Institute of Actuaries (UK) and the Institute of Actuaries, India. In the most recent engagement with SBI Life Insurance Co. he led the Actuarial, Risk Management & Product functions as Executive Director (Actuarial) and Chief Risk Officer from 2014 to 2020. Prior to this, he held the role of the Appointed Actuary from 2008 to 2014 in the same company. During this period, he played a critical role in establishing a robust risk management framework and actuarial processes, driving strategy for growth and value in the organization. Being part of the Senior Management team, he had the opportunity to take key decisions on company’s marketing, operations and IT strategies and had also led the undertaking Embedded Value & Valuation processes and disclosures, leading to the pre-IPO stake sale and a successful IPO process in India. Mr. Pujari started his career as in LIC of India as a direct recruit officer in 1983. Amongst the various roles undertaken were stints in UK with SunLife & Swiss Re spanning over 8 years when the markets and regulations in the UK / EU were extremely complex and fluid. This has led to a deep understanding of these markets, specifically in areas of Actuarial Practices, Compliance, With Profits governance and other Regulatory aspects. On his return to India when the Life Insurance Industry had opened up to private & foreign companies, Mr Pujari, in turn, headed the Pricing and Valuation departments in LIC Central Office. On Professional side Mr Pujari has been associated with the Indian and the UK actuarial professions in a number of Voluntary, Non-remunerative leadership roles over a number of years and has chaired or been part of various committees set up by the Govt. and the Regulator on insurance and actuarial matters.


Mr. Dipak GuptaNon-Executive Director

Mr. Dipak Gupta was the Managing Director & CEO of Kotak Mahindra Bank Limited, up to December 31, 2023. He has had over three decades of experience in the financial services sector, with the last two and half decades having been spent with the Kotak Mahindra Group. At the Bank, in the past, he has overseen the functions of IT (including Cyber Security and Digital Initiatives), Internal Audit, Human Resources, Marketing, Compliance, Administration, Infrastructure and Operations as well as Treasury, Wealth Management and the Consumer Finance businesses. He was also responsible for setting up the retail business following the conversion of Kotak Mahindra Finance Limited (KMFL) into a bank. Mr. Dipak Gupta has also played a key role in building various businesses for Kotak Mahindra Group. He was instrumental in forging the partnership between KMFL and Ford Credit International. He was the first CEO of the KMFL–Ford Credit joint venture, Kotak Mahindra Primus Limited. He is also director on the boards of Kotak Mahindra Capital Company Limited, Kotak Alternate Asset Managers Limited (Chairman), Kotak Infrastructure Debt Fund Limited and Kotak Mahindra (UK) Limited.


Mr. Gaurang ShahNon Executive Director

Mr. Gaurang Shah heads the Asset Management, Insurance ( Life and General) and International business of the Kotak Mahindra Group. He took over this assignment on May 1, 2010. In his immediate prior assignment, Mr. Shah was the Managing Director of Kotak Mahindra Old Mutual Life Insurance Limited. Under his stewardship, the Company booked profits for the first time ever in 2009, joining ranks of the select first private Indian life insurers , thereby opening a new chapter in the annals of private life insurance business in India. Mr. Shah has over three decades of rich and varied experience in the Financial Services sector, several of which are with the Kotak Mahindra Group. He has played a stellar role in building the Group’s Consumer Banking business and Life insurance business. He has held several positions of high responsibility over the years, including, inter alia, the Head of Retail Assets at Kotak Mahindra Bank Limited. He was also closely associated with Kotak Mahindra Primus (a joint venture between Kotak Mahindra Group and Ford Credit International), among India’s leading automobile finance companies.


Mr. G. MurlidharNon-Executive Director

G Murlidhar, former MD & CEO, Kotak Mahindra Life Insurance Company Ltd, is one of the founding members of Kotak Life Insurance. Prior to this, he has held several leadership positions in the organization. Over the past decade, Murli has played an instrumental role in establishing a strong operational and service backbone, dovetailing into a highly efficient distribution network for Kotak Life Insurance. In last few years, Murli went on to implement The 4 Disciplines of Execution (4DX), which represent a new way of thinking and working at KLI. Implementing the 4DX has facilitated in building a culture that is contributing to the company’s growth in today's competitive environment. Murli has more than three decades of experience across finance, commercial, projects, marketing, HR, IT, and consumer distribution. He has also handled public issues and open offers across sectors such as BFSI, services and manufacturing. Murli is a Chartered Accountant, ICWA and Company Secretary.


Mr. Mahesh BalasubramanianManaging Director

Mahesh Bala, Managing Director, has over two decades of professional entrepreneurial experience in financial services. Starting his career at Godrej & Boyce in 1992, Mahesh moved to Cholamandalam Investment and Finance company in 1994, as the first regional head for the retail business in the West. During his five-year tenure, he led the expansion of the Vehicle finance business, making Chola a key and profitable player in the West. By 1999 he had moved on to a “Strategic team “of the Murugappa Group working on business planning, improving operational efficiency, exploring new initiatives , Mergers and Acquisitions. In 2000, Mahesh turned entrepreneur and cofounded India’s first and largest Online Loan market place for Credit Cards, Unsecured Loans, Car Loans and Mortgages. As Executive Director and Business head he got more than 20 leading Indian/Foreign Banks and NBFCs to participate in the market place. In 2005 Mahesh joined Kotak Mahindra Bank as part of the core team of the Retail Liabilities and Branch Banking Business. He was instrumental in setting up and leading the Retail Sales, Retail Institutional, and Government Business and Cross Sell verticals. In his last assignment he was also the Co-Head of Branch Banking Division. After successfully setting up and building significant scale across business in Assets, Liabilities and Branch Banking, Mahesh was given the opportunity in Oct 2014, to be the founder CEO of Kotak Mahindra General Insurance. Mahesh holds a Bachelor’s degree in Mechanical Engineering and a Masters in Management Studies.


Our Management Team

Mr. Mahesh BalasubramanianKotak Mahindra Life Insurance Company Ltd | Managing Director

Mahesh Balasubramanian is the Managing Director of Kotak Mahindra Life Insurance Company (Kotak Life) since May 2021. Prior to this, Mahesh was leading Kotak’s General Insurance business as MD &CEO. With over 25 years of experience in financial services industry having managed business across Retail assets, Retail liabilities and Insurance.

He joined Kotak Mahindra Bank in 2005 as part of the core team of its retail liabilities and branch banking business. After successfully setting up and building significant scale across verticals, he went on to become the founding CEO of Kotak General Insurance Co. Ltd (KGI) in 2014. Mahesh was instrumental in setting up the company, building a strong leadership team and a robust risk management culture with focus on digital process and customer service, making KGI one of the most sought after companies to work for.

Mahesh is a quintessential serial professional entrepreneur with nearly three decades of experience in financial services. He started his career at Godrej & Boyce in 1992, and moved to Cholamandalam Investment & Finance company in 1994 as its first regional head for the retail asset business in the West. During his five-year tenure, he led the expansion of its vehicle finance business. He moved to Murugappa Group in 1999 where he was handling business strategy & planning, improving operational efficiency, mergers & acquisitions, and exploring new business initiatives. In 2000, Mahesh co-founded - India’s first and largest loan market place for credit cards, personal, car & home loans.

A Mechanical Engineer from Madurai Kamaraj University, Mahesh holds a Masters’ degree in Management Studies from the University of Mumbai.

An avid reader, a sports enthusiast and a half marathoner, Mahesh likes to challenge the status quo and is ever willing to experiment with creative and innovative solutions to manage scale with productivity and profitability.


Ms. Radhavi DeshpandeKotak Mahindra Life Insurance Company Ltd. | Chief Investment Officer

Radhavi Deshpande is the 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. Cedric FernandesKotak Mahindra Life Insurance Company Limited | Chief Financial Officer

In his capacity as the Chief Financial Officer (CFO) of Kotak Mahindra Life Insurance Company Limited (Kotak Life), Cedric Fernandes is responsible for financial planning and overseeing matters related to financial management at the firm including compliance, legal and financial control.

He has more than two decades of work experience, most of which has been with the Kotak Mahindra Group. In his immediate prior assignment, he was the head of finance and accounts functions at the company, where he played a vital role in establishing processes and systems conforming to global best practices.

Prior to joining Kotak Life, Cedric headed the process and audit control functions at Kotak Mahindra Finance Ltd. He started his career at Coopers and Lybrand, which was among the global leaders in audit and assurance at its time.

Cedric is a qualified Chartered Accountant and Cost and Works Accountant. He is also a Fellow of the Insurance Institute of India (FIII). His hobbies include watching sports and listening to music.


Mr. Hitesh VeeraKotak Mahindra Life Insurance Company Limited | Chief Operating Officer & Officiating Chief Risk Officer

Hitesh Veera is the Chief Operating Officer and spearheads a number of functions at Kotak Life. He oversees Central Operations, Branch Operations, Customer Service, Underwriting, Claims, Business Solutions & Projects, Business Retention and Admin. He is responsible for ensuring operational efficiencies and seamless customer experience at all interface points. Hitesh has played a seminal role in ramping up the Operations function to its present scale and form and is credited with establishing and managing a highly efficient operations backbone. Hitesh joined the Kotak Mahindra Group as a management trainee more than 28 years ago and has been with the Life Insurance business since 2007. In his immediate prior assignment, he was the business head for Alternate Business at Kotak Mahindra Prime Ltd. (KMPL). He also served as the Head of Operations for the Car Finance Business for KMPL and Ford Credit India, a JV between the Ford and Kotak Mahindra groups. A qualified Chartered Accountant, Cost and Works Accountant, and Company Secretary, Hitesh holds 43rd Rank in the All India CA Merit List of the CA Final Exam. Hitesh enjoys listening to music and spending time with family. He is especially passionate about visiting places of historical importance and loves exploring different cultures.


Mr. Dwiraj BoseKotak Mahindra Life Insurance Company Ltd | Chief Data & Analytics Officer

Dwiraj joins us from Bajaj Allianz General Insurance Company Limited, where he was the President and Head of Analytics. Aside to this portfolio, he also led their retail cross-sell business. Dwiraj brings on board over two decades of experience in driving successful business impacts through data and analytics for global, large-scale enterprises like Citibank, GE, M&G Prudential, Genpact etc. His expertise lies in developing, implementing and scaling up large-scale data solutions, leveraging Machine Learning. Dwiraj is an M.S. in Quantitative Economics from the Indian Statistical Institute, Delhi. He loves to travel and is often seen outdoors, indulging in street photography or playing sports.


Ms. Kirti PatilKotak Mahindra Life Insurance Company Limited | Chief Technology Officer

Kirti Patil, Chief Technology Officer at Kotak Mahindra Life Insurance Co. Ltd. (Kotak Life), spearheads its technology and digital functions. She is a member of Kotak Life’s executive management council that charters company’s growth.

Kirti joined the company in 2003. Over the years, she has been instrumental in giving Kotak Life’s tech strategy a cutting edge by implementing several transformational initiatives including mobile based selling, video based customer calling, OCR/ICR based BPM, Conversational AI, RPA , Instant Servicing, etc. to enhance customer, distributor and employee experience.

Driven to build excellence through technology, Kirti has been an early adopter of several technologies like datacentre and desktop virtualisation, hyper converged infrastructure, flash storage, data reduction technologies and block level replication to name a few. With over two decades of experience spanning manufacturing and BFSI sector, Kirti has won several industry accolades for her initiatives.

She started her career with Bayer India and moved on to International Rectifier where she was responsible for implementation of IT systems in the APAC region. Later she re-joined Bayer and handled their technology integration and standardisation across 12 group companies in India.

Kirti holds a Bachelor’s Degree in Engineering from VJTI and an MBA from Mumbai University.

An advocator of women’s empowerment, Kirti has a passion for reading and loves cooking.


Ms. Ruchira BhardwajaKotak Mahindra Life Insurance Company Ltd. | Chief Human Resources Officer

Ruchira Bhardwaja is the Chief Human Resource Officer (CHRO) at Kotak Mahindra Life Insurance Company Ltd. (Kotak Life).

She joined Kotak Life in March 2021 and brings with her over 25 years of rich experience across diverse industries such as Manufacturing, Consulting, Hospitality, Retail, Banking & Insurance. In addition to Human Resources, Ruchira had the opportunity to contribute towards New Product Development, Business Excellence, Knowledge Management and Business Ethics initiatives in the organizations she has worked with.

Prior to joining, she spent 14 years with the Tata group where she had a multi-company stint spanning between well-established market leaders such as Rallis, Taj to start-ups like CROMA. She has also worked in the BFSI sector with companies like Axis Bank and Future Generali India Life Insurance.

An alumni of IRMA, NMIMS, and BHU, Ruchira is GTML certified from The Wharton School, USA. She is a visiting faculty at NMIMS and is zealous about mentoring working women professionals in her personal capacity.

Ruchira creates time to learn and hone new skills outside of the workplace. She is an avid photographer and considers herself as a decent story-teller.


Mr. Vivek PrakashKotak Mahindra Life Insurance Company Ltd. | Head - Agency Channel

Vivek Prakash is the Head of Agency Channel at Kotak Mahindra Life Insurance Company Ltd. (Kotak Life). He joined the company in 2012 and has made this channel one of the fastest growing agency channel as well as one of the largest recruiter of new advisors in the Indian Life Insurance Industry.

With overall experience exceeding 25 years in NBFC and Life Insurance Industry, Vivek has worked in different parts of the country with core area of expertise being Agency Channel. Prior to joining the Kotak Mahindra Group, he spent a decade with Tata AIA Life Insurance Co. Ltd (Formerly known as Tata AIG)

An MMS in Finance from Sydenham Institute of Management Mumbai – batch of 1996, Vivek also completed his Accelerated Development Program in General Business Administration & Management from the Wharton school in 2018.

Vivek likes to travel in his free time.


Mr. Piyush TrivediKotak Mahindra Life Insurance Company Ltd. | Head – Alternate, Digital Channels, Product Marketing & Health Tech

Piyush Trivedi heads the Alternate, Digital Channels, Product Marketing and Health Tech verticals at Kotak Mahindra Life Insurance Company Limited (Kotak Life). In addition to leading product development, Piyush manages various distribution verticals and the digital business.

In his journey with Kotak Life sine 2004, Piyush has driven a number of new initiatives right from concept level to making them large profitable business units. He has helped scale the alternate channel and has strengthened the company’s customer engagement process across distribution channels - bancassurance, brokers, corporate agents and also the new bancassurance and strategic tie-ups.

Piyush has over two decades of work experience, all of which has been with the Kotak Mahindra Group. Prior to that, he was heading Kotak Mahindra Prime Limited’s Credit and Risk function.

Piyush is a qualified Chartered Accountant from ICAI and a Certified Management Accountant (CMA) from CIMA, UK.

An avid reader with interests ranging from business, finance, technology to history & philosophy, he sees each activity as an opportunity to learn something new and enjoys converting complex business situations into value creating business models.


Mr. Subhasis GhoshKotak Mahindra Life Insurance Company Limited | Head - Financial Institutions, Employee Benefits, Marketing & Alliances

Subhasis Ghosh helms the Marketing, Group Insurance, and Strategic Alliances divisions for Kotak Mahindra Life Insurance Company (Kotak Life).

With over three decades of experience in the BFSI sector, most of which is with the Kotak Mahindra Group, Subhasis has worked in diverse areas such as retail assets and liabilities, corporate finance, treasury and life insurance. Subhasis was part of the founding team that set up Kotak Life in 2001. He was instrumental in setting up and overseeing the Tied, Alternate and Group business divisions in eastern India.

Subhasis has done his B.Com (Hons) from Calcutta University.

Mythology, Vedic and ancient Indian history fascinate Subhasis, and he loves to read, write and speak on the subjects.