Kotak Life Taps DEPT to Build an AI-Powered Digital Platform

Kotak Mahindra Life Insurance Company Ltd. (Kotak Life) is a wholly owned subsidiary of Kotak Mahindra Bank Ltd. The insurer’s product suite combines protection with long-term savings, and it positions customer empathy at the center of its offerings.

Kotak Life is one of the fastest-growing insurance companies in India. As of March 31, 2026, it operated 372 branches across 163 cities and had covered more than 5 crore lives.

Snapshot

What challenge did Kotak Life face?

Kotak Life is in the midst of a broader digital transformation aimed at making the life insurance experience more personalized for its customers. To support that goal, the insurer needed its digital engagement platforms to deliver greater agility, intelligence and scale.

Its business objectives were to:

• Grow direct customer acquisition through a better digital experience.
• Accelerate delivery of content migration and code development.
• Put AI agents to work optimizing its platforms and processes, in line with its internal vision.
• Ensure digital inclusivity by meeting recognized accessibility standards.

How will the solution be architected?

To accelerate this transformation, Kotak Life entered a strategic partnership with DEPT® to build a next-generation, AI-powered digital platform ecosystem spanning its digital engagement platforms. DEPT® will architect a cloud-native, headless ‘digital backbone’ that provides the scalability for Kotak Life to innovate faster and scale at pace.

The collaboration will leverage an Agentic Development approach to expedite content migration and code development. This methodology directly aligns with Kotak Life’s internal vision of deploying AI agents to optimise platforms and processes. This synergy fits perfectly with DEPT®’s own proprietary Agentic Development Platform roadmap, allowing both teams to co-innovate and maximise development efficiency.

Himanshu Mody, Head of India, DEPT® said, “By blending our Agentic Development capabilities with Kotak Life’s forward-thinking AI vision, we are not just accelerating code and content delivery but setting a new benchmark for tech-driven agility in insurance.”

The engagement rests on three pillars:

• Agentic Development: The teams are using an agentic development approach to expedite content migration and code development, compressing timelines for the platform build.
• Aligned AI road maps: The methodology matches Kotak Life’s plan to deploy AI agents across platforms and processes, as well as DEPT®’s proprietary Agentic Development Platform road map. That alignment allows both teams to co-innovate and maximize development efficiency.
• Customer-centric UX: The platform is designed around an optimized user experience that supports direct customer acquisition, built to WCAG 2.1 accessibility standards.

Sourabh Chatterjee, Chief Technology Digital Transformation Officer, Kotak Life said, “In the era of AI, there will be a paradigm shift in CX becoming more and more personalised and brands need to build and scale platforms to deliver this seamlessly for all their customers. Transitioning our customer facing assets to a cloud-native, headless architecture along with NLP powered interfaces aligns with our vision of enabling AI across our life insurance value chain. We have partnered with DEPT® on this journey. In DEPT®, we found a partner who understands that this is a critical component of our broader business transformation. Through this partnership with DEPT®, Kotak Life will transition to a cloud-native, headless architecture powered by Adobe Experience Manager (AEM) Cloud Services.”

The project will focus on accelerating direct customer acquisition through an optimised UX, driving measurable business growth while ensuring the highest standards of digital inclusivity via WCAG 2.1 compliance.

What are the Expected Outcomes for Kotak Life?

The partnership is designed to deliver:

• Faster time to market through agent-assisted migration and development.
• Measurable business growth driven by higher direct customer acquisition.
• A more personalized customer experience across Kotak Life’s digital channels.
• Accessible digital platforms that comply with WCAG 2.1.

What is the Key Takeaway?

Kotak Life’s engagement with DEPT® shows how an insurer can use agentic AI not only in customer-facing features but also in the engineering process itself, applying AI agents to migration and development to build a scalable, inclusive platform faster.