TIED Commission Rates

PPT Base+20% Base+60%

Plans & their Parameters First year Renewals Top-ups
(<1 lakh WCPI) (<1 lakh WCPI)

Single 4.69% 5.63% 7.50% NA

PPT = 5 yrs 9.38% 11.25% 15.00%
PPT = 6 yrs 11.88% 14.25% 19.00% 2nd Year - 5%
E-Term (UIN: 107N129V03) - K92 PPT = 7 yrs 14.38% 17.25% 23.00% 3rd Year – 4% NA
4th Year – 3%
PPT = 8 yrs 16.88% 20.25% 27.00% 5th Year – 2%
PPT = 9 yrs 19.38% 23.25% 31.00% 6th Year onwards – 1%

PPT = 10 yrs or more 21.88% 26.25% 35.00%

PPT 5 9.38% 11.25% 15.00%
Kotak Guaranteed Savings Plan PPT 7 13.13% 15.75% 21.00%
2nd year onwards - 5% NA
(UIN-107N100V04) - B09 PPT 8 15.00% 18.00% 24.00%
PPT 10 18.75% 22.50% 30.00%
PPT 6 11.25% 13.50% 18.00%
Kotak SmartLife Plan PPT 8 15.00% 18.00% 24.00%
2nd year onwards - 7% NA
(UIN-107N102V03) - B10 PPT 10 18.75% 22.50% 30.00%
PPT 12 &above 21.88% 26.25% 35.00%
Single Invest Advantage
Single Premium 1.25% 1.50% 2.00% N/A NA
(107L065V05) - K83
Yr 2 to 5 - 2.00%;
Platinum (UIN-107L067V07) - L01, Rs. 99,000 to Rs. 24,99,999 3.00% 4.00%
2.50% Yr 6 onwards- 1.00% 2.00%
L17 (L17-DM channel only) Rs. 25,00,000 and above Yr 2 onwards- 1.00%

Single 1.25% 1.50% 2.00% NA 1.00%

Kotak Invest Maxima (UIN-
Premium Mode
107L073V05) - L04 Regular/
3.75% 4.50% 6.00% 2% till PPT 1.00%
Limited
Yr 2 to 5 - 1.5%
Annualised Premium < 25 Lacs 2.50% 3.00% 4.00% NA
Kotak Wealth Optima Plan Yr 6 onwards- 1.00%
(107L118V03) - L20 Yr 2 to 5 - 1.00%
Annualised Premium >= 25 Lacs 1.25% 1.50% 2.00% NA
Yr 6 onwards- 1.00%
PPT 6 10.00% 12.00% 16.00% 3.00%

PPT 8 15.00% 18.00% 24.00% 4.00%

Kotak Fortune Maximiser (UIN -
PPT 10 18.75% 22.50% 30.00% 4.00% NA
107N125V03) - B03 / B04 / B05
PPT 12 21.88% 26.25% 35.00% 4.00%
PPT 15 21.88% 26.25% 35.00% 4.00%

PPT 5 years 8.13% 9.75% 13.00%

Kotak Assured Savings Plan (UIN- PPT 6 years 10.00% 12.00% 16.00% year 2 = 3%
107N081V07) - B01 (Non POS) / B02 year 3 to 5 = 2% NA
(POS) PPT 7 years 11.88% 14.25% 19.00% year 6 onwards = 1%
PPT 10 years 15.00% 18.00% 24.00%
Kotak Health Maximiser (UIN- Single 2.00% 2.00% 2.00% N.A.
KOTHLIP24026V012324) - L33
PPT = 5 yrs 15.00% 15.00% 15.00%

(KLI Product Kotak Term Plan) PPT = 6 yrs 18.00% 18.00% 18.00% NA
5%
PPT = 7 yrs 21.00% 21.00% 21.00%
(FYC has absolute commission
including Bonus) PPT = 8 yrs or more 24.00% 24.00% 24.00%
for internal circulation only

For internal circulation only

 PPT Base+20% Base+60%
Plans & their Parameters First year Renewals Top-ups
(<1 lakh WCPI) (<1 lakh WCPI)

Kotak Assured Pension (UIN- Individidual Category A & B 2.00% 2.00% 2.00%
107N123V10) - A01 / A02 Customers Category C 2.00% 2.00% 2.00%
NA NA
(FYC has absolute commission Category A 0.00% 0.00% 0.00%
Group Customers
including Bonus) Category C 2.00% 2.00% 2.00%

Kotak Assured Pension (UIN- Individidual Category A & B 7.50% 7.50% 7.50% 2.00%
107N123V10) - A03 Customers Category C 7.50% 7.50% 7.50% 2.00%
NA
(FYC has absolute commission Category A 0.00% 0.00% 0.00% 0.00%
Group Customers
including Bonus) Category C 7.50% 7.50% 7.50% 2.00%
PPT = 8 yrs 15% 18.00% 24.00%
Kotak Get Assured Income Now
(GAIN) PPT = 10 yrs 18.75% 22.50% 30.00% 4% NA
(UIN: 107N141V02) - B07 PPT = 12 yrs 21.88% 26.25% 35.00%
PPT = 5 yrs 9.38% 11.25% 15.00%
PPT = 7 yrs 13.13% 15.75% 21.00%
Kotak Gen2Gen Protect (UIN:
PPT = 10 yrs 18.75% 22.50% 30.00% 4.00% NA
107N132V02) - B11
PPT = 11 yrs 20.63% 24.75% 33.00%
21.88% 26.25% 35.00%
Kotak Lifetime Income Plan
- 1.00% 1.20% 1.60% NA NA
(UIN: 107N103V16) - K94
PT = 30 to 34 years 3.75% 4.50% 6.00% Year 2 till
Kotak T.U.L.I.P (UIN: 107L131V02) -
PT = 35 to 39 years 6.25% 7.50% 10.00% end of PPT = 1% NA
U01
PT = 40 years 8.13% 9.75% 13.00%
2nd & 3rd Year : 0.5%
PPT 5 1.25% 1.50% 2.00% NA
4th & 5th Year : 0.5%
Year 6 onwards : 0%
PPT 7 1.56% 1.87% 2.50% NA
Kotak e-Invest (UIN: 107L121V02) - 2nd & 3rd Year : 0.75%
L07, L08, L10 PPT 10 1.88% 2.26% 3.01% 4th & 5th Year : 0.5% NA
Year 6 onwards : 0%
2nd & 3rd Year : 0.75%
PPT 11 & above 3.13% 3.76% 5.01% 4th & 5th Year : 0.5% NA
Year 6 onwards : 0%
PPT = 5 yrs 9.38% 11.25% 15.00%

PPT = 7 yrs 13.13% 15.75% 21.00%

PPT = 10 yrs 9.38% 11.25% 15.00%

year 2 = 3%
Kotak Guaranteed Fortune Builder (UIN:
PPT = 12 yrs year 3 to 5 = 2% NA
107N128V07) - Long Term Income B06
year 6 onwards = 1%
Premium First Year Base+20% Base+60% Base+71.43%

AP < 75,000 14.00% 16.80% 22.40% 24.00%

AP >= 75,000 20.42% 24.50% 32.66% 35.00%

PPT Premium Base Base + 20% Base + 60%

PPT = 7 yrs 8.75% 10.50% 14.00%

PPT = 10 yrs 12.50% 15.00% 20.00%

PPT = 11 yrs AP < 3,00,000 12.50% 15.00% 20.00% 3%

Kotak Confident Retirement Savings PPT = 12 yrs 12.50% 15.00% 20.00%

Plan PPT = 13 to 30 yrs 12.50% 15.00% 20.00%
(UIN : 107N162V01) - B15 NA
PPT = 7 yrs 8.75% 10.50% 14.00%

PPT = 10 yrs 15.00% 18.00% 24.00%

PPT = 11 yrs inmsert 15.00% 18.00% 24.00% 2%

PPT = 12 yrs 15.00% 18.00% 24.00%

PPT = 13 to 30 yrs 15.00% 18.00% 24.00%
PPT 6 11.25% 13.50% 18.00%
Kotak Gen2Gen Income (UIN: PPT 8 15.00% 18.00% 24.00%
4% NA
107N163V01) - B16 & B17 PPT 10 18.75% 22.50% 30.00%
PPT 12 21.88% 26.25% 35.00%
for internal circulation only

For internal circulation only

 Riders
Plans & their Parameters PPT First year Base+20% Base+60% Renewals Top-ups
(<1 lakh WCPI) (<1 lakh WCPI)
PPT = Single 1.250% 1.50% 2.00% 0%
PPT = 5 yrs 9.375% 11.25% 15.00%
PPT = 6 yrs 11.250% 13.50% 18.00%
Kotak Accidental Death Protection PPT = 7 yrs 13.125% 15.75% 21.00%
Rider (Linked) (UIN - 107A021V02) - PPT = 8 yrs 15.000% 18.00% 24.00% 2nd & 3rd Yr- 7.5% NA
KADF, KADG, KADH PPT = 9 yrs 16.875% 20.25% 27.00% 4th Yr onwards- 5%
PPT = 10 yrs 18.750% 22.50% 30.00%
PPT = 11 yrs 20.625% 24.75% 33.00%
PPT => 12 yrs 21.875% 26.25% 35.00%

Riders

PPT Base+20% Base+60%

Plans & their Parameters First year Renewals Top-ups
(<1 lakh WCPI) (<1 lakh WCPI)

PPT = Single 4.688% 5.63% 7.50% 0%

PPT = 5 yrs 12.500% 15.00% 20.00%
Kotak Critical Illness Benefit Rider PPT = 6 yrs 15.000% 18.00% 24.00%
2nd & 3rd Yr- 10.00%
(Linked) (UIN - 107A022V02) - KCIF, PPT = 7 yrs 17.500% 21.00% 28.00% NA
4th Yr onwards- 5.00%
KCIG, KCIH PPT = 8 yrs 20.000% 24.00% 32.00%
PPT = 9 yrs 22.500% 27.00% 36.00%
PPT => 10 yrs 25.000% 30.00% 40.00%
Kotak Additional Disability
PPT = 5 yrs 15.000% 15.00% 15.00%
Guardian Benefit (UIN -
107B011V02) PPT = 6 yrs 18.000% 18.00% 18.00%
5% NA
PPT = 7 yrs 21.000% 21.00% 21.00%
(FYC has absolute commission
PPT = 8 yrs 24.000% 24.00% 24.00%
including Bonus)
Kotak Life Guardian Benefit Rider PPT = 5 yrs 15.000% 15.00% 15.00%
(UIN - 107B012V02) PPT = 6 yrs 18.000% 18.00% 18.00%
5% NA
PPT = 7 yrs 21.000% 21.00% 21.00%
(FYC has absolute commission
including Bonus) PPT = 8 yrs 24.000% 24.00% 24.00%
PPT = Single 4.690% 5.63% 7.50%
PPT = 5 yrs 12.500% 15.00% 20.00%
PPT = 6 yrs 15.000% 18.00% 24.00% 2nd & 3rd Year - 6.25%
Kotak Critical Illness Plus Rider (UIN
PPT = 7 yrs 17.500% 21.00% 28.00% 4th Year onwards - NA
- 107B020V02) 3.125%
PPT = 8 yrs 20.000% 24.00% 32.00%
PPT = 9 yrs 22.500% 27.00% 36.00%
PPT => 10 yrs 25.000% 30.00% 40.00%
PPT = Single 1.250% 1.50% 2.00%
PPT = 5 yrs 9.375% 11.25% 15.00%
PPT = 6 yrs 11.250% 13.50% 18.00%
Kotak Accidental Death Benefit PPT = 7 yrs 13.125% 15.75% 21.00% 2nd & 3rd Year - 7.50%
Rider (Non Linked) UIN - PPT = 8 yrs 15.000% 18.00% 24.00% 4th Year onwards - NA
107B001V04 PPT = 9 yrs 16.875% 20.25% 27.00% 5.00%
PPT => 10 yrs 18.750% 22.50% 30.00%
PPT => 11 yrs 20.625% 24.75% 33.00%
PPT => 12 yrs 21.875% 26.25% 35.00%
PPT = Single 1.250% 1.50% 2.00%
PPT = 5 yrs 9.375% 11.25% 15.00%
PPT = 6 yrs 11.250% 13.50% 18.00%
Kotak Permanent Disability Benefit PPT = 7 yrs 13.125% 15.75% 21.00% 2nd & 3rd Year - 7.50%
Rider (Non Linked) UIN - PPT = 8 yrs 15.000% 18.00% 24.00% 4th Year onwards - NA
107B002V03 PPT = 9 yrs 16.875% 20.25% 27.00% 5.00%
PPT => 10 yrs 18.750% 22.50% 30.00%
PPT => 11 yrs 20.625% 24.75% 33.00%
PPT => 12 yrs 21.875% 26.25% 35.00%

for internal circulation only

For internal circulation only

 PPT Base+20% Base+60%
Plans & their Parameters First year Renewals Top-ups
(<1 lakh WCPI) (<1 lakh WCPI)

PPT = Single 1.250% 1.50% 2.00%

PPT = 5 yrs 9.375% 11.25% 15.00%

PPT = 6 yrs 11.250% 13.50% 18.00%
PPT = 7 yrs 13.125% 15.75% 21.00% 2nd & 3rd Year - 7.50%
Kotak Term Benefit Rider UIN -
4th Year onwards - NA
107B003V03 PPT = 8 yrs 15.000% 18.00% 24.00%
5.00%
PPT = 9 yrs 16.875% 20.25% 27.00%
PPT => 10 yrs 18.750% 22.50% 30.00%
PPT => 11 yrs 20.625% 24.75% 33.00%
PPT => 12 yrs 21.875% 26.25% 35.00%
Definition of Self-sourced policies

Self-sourced policies are the policies where Advisor or Partner / Associate himself is Proposer or Life Assured in the policy.

The commission payout rule for Agent and Partner / Associate in such case will be as follows :

70% of the first year commission will be paid upfront in the commission cycle where policy is converted ( subject the Freelook rule and Self policy commission withhold rule fulfillment of criteria ).
30% of First year commission will be deferred and paid on 13 th month renewal premium collection.
In case commission payout is hold due to Bonafide agent criteria and fulfills the criteria of 6 different lives before 13 th month then 70% of the FYC will be released in the cycle LA fulfills the criteria. Balance 30% to be released on 13 th month renewal premium collection.
Self-policy 70% - 30% payout rule will be applicable for product as communicated by Product team. Any other products in future will be intimated as and when applicable.
This rule will not be applicable for ULIP & Term polices (e-term, Kotak Term plan) and Single Premium Annuity policy (KAPP- Single Pay and KLIP-SP). 100% of the First year commission to be paid upfront

for internal circulation only

For internal circulation only