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Onkar MishraInsurance Advisory
Free interactive tools

Plan with numbers, not guesswork.

Four quick tools to size up your protection and goals. Each gives an indicative estimate in seconds — a clear, private starting point for a more informed conversation.

These calculators are generic financial-planning tools that use standard, widely-accepted formulas and assumptions you can adjust yourself. They are NOT linked to any specific Kotak Mahindra Bank or Kotak Life Insurance product, are NOT a quotation, recommendation or guarantee, and do NOT predict actual returns. Treat every figure as an indicative starting point only, and confirm specifics with official product documentation and a personal review.

Quick Insurance Checkup

Question 1 of 5

What’s your age?

Life Cover Estimator

Human Life Value approach

₹8 L
32
2

People who rely on your income

₹20 L

Home, business and other liabilities

₹0
₹5 L
₹1.35 Cr
Indicative life cover
≈ 17 years of income
15×
Income multiple used
Adjusted for your age
Income replacement₹1.2 Cr
+ Liabilities₹20 L
− Existing cover & savings−₹5 L

Get a tailored term plan recommendation

Onkar will validate this estimate against your goals — free.

By submitting, you consent to be contacted about your enquiry. This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions.

This is a simplified, indicative estimate for educational purposes only — not a quotation or advice. Your ideal cover depends on a fuller picture, which Onkar will discuss with you.

Retirement Readiness

Inflation-adjusted corpus & SIP

32
60
₹40K
6%
11%

Illustrative; market-linked returns are not guaranteed

₹10 L
₹5.44 Cr
Corpus needed at retirement
₹16K/mo
Investment needed
for 28 years
Monthly expense at 60₹2.04 L
Existing savings will grow to₹1.86 Cr
Assumes life expectancy 85, post-retirement return 7.000000000000001%

Build a retirement plan with Onkar

Turn this number into a concrete, funded plan.

By submitting, you consent to be contacted about your enquiry. This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions.

Simplified estimate for education only — not a quotation, guarantee or financial advice. Actual outcomes depend on real returns, inflation and contributions over time.

Child Education Planner

Future cost & monthly saving

3
18

Typically 18 for higher education

₹20 L
8%

Education costs typically rise faster than general inflation

11%

Illustrative; not guaranteed

₹63.44 L
Cost in 15 years
₹14K/mo
Monthly saving needed
Or invest a lump sum today₹13.26 L
Time to goal15 years

Protect this goal — even in your absence

Ask Onkar how a child plan keeps this funded if life takes an unexpected turn.

By submitting, you consent to be contacted about your enquiry. This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions.

Indicative, educational estimate only — not a quotation, guarantee or advice. Returns are assumed and not guaranteed; actual results will vary.

Illustrative figures and calculator outputs are simplified estimates for educational purposes only and do not constitute a quotation, guarantee, or financial advice. Please read the relevant policy brochure / prospectus and verify suitability before purchase. Tax benefits are subject to prevailing tax laws and may change.
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Like what the numbers show?

Let’s turn these estimates into a plan that actually fits your life — free and without obligation.

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This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions. Please read the relevant policy brochure / prospectus and verify suitability before purchase. Tax benefits are subject to prevailing tax laws and may change.