Welcome to KAP !

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Sophisticated Techniques to bring the best solutions.

Helping You To


"What is business after all, other than a bunch of human relationships".

Striving for Excellence


"Care more than others think is wise. Risk more than others think is safe. Dream more than other this is practical. Expect more than others think is possible."

Supporting you to


Professional and Comprehensive actuarial advice and services that are tailored to meet your individual needs.

  The hands of the expert possess more judgement than data 


Technical Aid

We believe in adopting the best practices & sophisticated techniques to provide the most effective solutions for you.


Actuarial Experts

Our team comprises of specialised actuaries from different Fields having an experience of more than 40 years.



We offer professional services to more than 5000 clients across the globe.


Propitious Experience

Several global interactions have garnered our expertise over 75 years.


M/s. K. A. Pandit was established on 1st February 1943, and is the oldest actuarial firm in India currently operating from 3 offices with the help of about 30 well trained experts and 7 qualified actuaries. M/s. K. A. Pandit is proud to have 75 years of heritage and experience to provide comprehensive actuarial consultancy services. We are a firm based in India with Indian values but integrated with modern processes which cater to serve all businesses globally. We are one of the major players in the Indian market for Employee Benefits. We provide our services in Life Insurance, Non-Life Insurance and Employee Benefits internationally.

Our Research & Analysis

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Analysis Of Leave Availment

Employee Benefits

M/s. K. A. Pandit conducted leave analysis which was discussed in the actuarial seminar on Current Issues in Retirement Benefits organised by the Institute of Actuaries of India.... Read More

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Volatility in the Interest Rate September 2018

Employee Benefits

The comparison of G - Sec rates for various tenures at September 2018... Read More

Data Handling



Our Core Services

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Employee benefits and/or benefits in kind (also called fringe benefits, perquisites or perks) include various types of non-wage compensation provided to employees in addition to their normal wages or salaries.

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Inherently, Life insurance provides protection against financial losses resulting from the premature death of a person. Products like endowment, pension plans and ULIPs also fall under the umbrella of life insurance.

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Non-Life Insurance is a policy that provides compensation for losses incurred from a specific financial event. This type of policy is also known as general insurance, or property and casualty insurance.

Answer to your questions

An Actuary is a business professional who analyses the financial consequences of risk. Actuaries use mathematics, statistics, and financial theory to study uncertain future events, especially those of concern to insurance and pension programs.

Actuaries are leading professionals in finding ways to manage risk. It takes a combination of strong analytical skills, business knowledge, and understanding of human behaviour to manage the complex risks facing our society today.

An Actuarial Valuation is a process of estimating future contingent liabilities. The liabilities are computed using economic and demographic assumptions. The assumptions are based on a mix of statistical studies and professional judgement.

M/s. K. A. Pandit is an ISO certified firm and Data Confidentiality and Security is a priority. The data received is saved on a high- end encrypted server on segregated paths with restricted access.
The data received for valuations is processed and validated using a sophisticated software. Any data errors and inconsistencies are corrected before the data could be used.

Ask Us

Client Testimonials

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Tata Consultancy Services has been associated with M/s. K. A. Pandit for the past 12 years. We find KAP to be an able partner in our quest for excellence in financial reporting by providing reliable reports within a short turnaround time and also providing insights into critical factors impacting valuation of employee related liabilities.


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M/s. K. A. Pandit, have been providing instrumental Actuarial Services to our Bank for more than five decades. Their experience, professionalism and ease of integrating solutions for our needs is highly appreciated. Their ability to cater to our needs and the care they show in each assignment makes them invaluable as consultants. We hope to further continue the strong relationship we have built over the years.

State Bank of India

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From the commencement of our insurance operations, M/s. K. A. Pandit were appointed as our Company Actuary. We understand that the role of an Actuary for a newly established General Insurance Company is a challenging task. Maintaining a balance between conformance and performance is vital, whilst supporting the growth of the business with strategic opinions and safeguarding of the interest of all stakeholders is not an easy task. Especially with the limited information available, dynamism of the industry stimulated by the stiff competition always demands high standards of the actuarial expertise and business acumen. We are proud to have an Actuary, who has proven the true quality of an Actuary during the successful journey of ours.

Continental Insurance Lanka Limited

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"M/s. K. A. Pandit, have been providing instrumental Actuarial Services to our Company for a decade. Their experience, professionalism and ease of integrating solutions for our needs is highly appreciated. Their ability to cater to our needs and the care they show in each assignment makes them invaluable as consultants. We hope to further continue the strong relationship we have built over the years."

GFA Insurance Limited

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M/s. K. A. Pandit Consultants and Actuaries have been associated with Ceylinco for many decades. We receive great support for our valuations and thereby compliance. The Team understands our needs and always ensures timely delivery of services. Continuous attention to our requirements and advising on various situations, needs appreciation. The expertise of the team really helps us to understand complications in technical matters. Reliability and accuracy of computations were observed throughout our relationship. We wish the team success in all of their future endeavours while looking forward to further work with them for many decades.

Ceylinco General Insurance Limited

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M/s. K. A. Pandit – Consultants & Actuaries have been providing Actuarial Services for almost a decade to Life Insurance Corporation (Lanka) Limited, a standalone Life Insurance Company operating in Sri Lanka. Their ability to provide integrated solutions and the due diligence with which each task is executed makes them invaluable as consultants. Their technical advice at the time of Regulatory changes in Sri Lanka in the form of implementation of RBC regime and change in valuation methodology, was exemplary and helped the Company to migrate to new Regulations in a seamless manner. Their experience and professionalism is appreciable. We hope to continue the strong relationship we have built over the years.

Life Insurance Corporation (Lanka) Limited

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Janashakthi Insurance Plc has been associated with M/s. K.A. Pandit – Consultants & Actuaries (KAP) for almost 4 years. M/s. K.A. Pandit – Consultants & Actuaries is our Statutory Actuary and have an important role to play within the regulatory framework. For every project that we have worked together, team KAP has been involved in detail with regard to discussions, analysis or any other execution. The experience and professionalism exhibited over the years, combined with an understanding of business reality is greatly appreciated. We look forward to strengthening our relationship in the years to come.

Janashakthi Insurance Plc

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Voltas Limited has been associated with M/s. K. A. Pandit for the last 15 years. For us KAP is all about Knowledge, Attitudes and Practice with a professional approach. We congratulate all members of KAP and wish them all the very best in their future endeavour.

Voltas Limited

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We would like to congratulate and share best wishes for M/s. K. A. Pandit on successful completion of 75 years of dedicated service in areas of Actuarial Employee Benefits and Accounting. It is our privilege and honour that we are associated with firm since 1971. We express our humble gratitude in service rendered over period of time. Their expertise in employees benefit valuation, disclosure, note and trust accounting and periodical update on changes in rules and act, helped us to closure our audit and accounts on time. We also take the opportunity to appreciate the staff support in sharing timely reports and disclosures requirements. We wish all the best to them in their future endeavours.

Marico Limited

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I would like to congratulate you on completing 75 years and would like to wish you every success for the next 75 years! During the ten years that I have been the accountant for The Gurkha Welfare Trust we have relied on the work and support of M/s. K. A. Pandit for the credibility of the valuations of our obligation to former Gurkhas who served in the British Army and their widows to whom we provide a welfare pension. As the sums involved have a substantial impact on our balance sheet it is essential that the estimates should be reliable and provide credibility and the actuarial expertise of M/s. K. A. Pandit has achieved this. The relationship has been both professional and warm on personal level and your service has always been prompt. We are going through a time when it is becoming increasingly important for companies, public authorities and particularly charities such as ourselves to be increasingly transparent and for financial reports to be sound and justifiable. The Gurkha Welfare Trust has achieved this thanks to the support of M/s. K. A. Pandit. Wishing you every success for the future.

The Gurkha Welfare Trust