RBI and IRDAI analysis, lending research and technology explainers for the teams running distribution on the ground.
Increased insurer capacity and aggressive competition have triggered a 45% correction in property and cyber insurance rates, shifting the leverage to commercial buyers.
Read the analysisUnion Bank of India projects a ₹5,500 crore impact from the shift to Expected Credit Loss (ECL) provisioning, setting a benchmark for PSU bank capital requirements.
Read articleNew IRDAI commission caps could trigger a massive exodus of life insurance agents, forcing lenders to rethink distribution models and digital onboarding strategies.
Read articleBajaj Finance prepares new term-loan variants effective November 1 as the RBI considers a ban on revolving credit for NBFCs, impacting product design and profitability.
Read articleICICI Bank reports a 340 bps drop in CASA ratio to 36.1% as FCNR(B) deposits rise, leading to sequential NIM contraction and a shift toward lower-margin overseas assets.
Read articleUnion Bank of India expects a significant impact on fee income due to proposed IRDAI distribution norms, signaling a shift in bancassurance revenue models for PSU banks.
Read articlePunjab National Bank pivots toward high-yield MSME and retail segments to sustain profitability and asset quality through the third quarter.
Read articleHDFC Bank CEO Sashidhar Jagdishan signals a move away from pre-merger metrics, prioritising Return on Assets and Earnings Per Share for the consolidated entity.
Read articleIRDAI’s proposed commission curbs could mathematically lower expense ratios to 15%, forcing life insurers to restructure distributor payouts and unit economics.
Read articleMajor Indian banks are strategically reducing farm loan exposure as rural credit growth trails overall loan books, signalling a shift toward cautious underwriting in BFSI.
Read articleICICI Bank reports a 9.7% YoY decline in its credit card book as it exits unprofitable micro-segments and pivots toward risk-adjusted profitability.
Read articleICICI Lombard targets specific loss ratios across health and motor segments to protect margins against rising claims deterioration in the Indian general insurance market.
Read articleHDFC Bank plans to leverage sell-downs and securitisation for its home loan portfolio to counter price competition and improve capital efficiency in a commoditised market.
Read articleSee how regulated businesses move from a policy change to a live field workflow in days, not quarters.
