Selected Tag: IRDAI
Selected Tag: IRDAI

Briefing

Why YES Bank’s AT-1 Bond Write-Off Failed and What It Means for Investors

YES Bank’s AT-1 case explains why the write-off was overturned, where selling rules fall short and how investors can seek redress.

Babuji K

October 26, 2026 at 6:04 AM IST

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IRDAI’s Consultation Paper Has the Right Intent but Half the Cure

The regulator’s goals on coverage and affordability are sound, but capping commissions treats only a symptom. Inverting how commission is paid can target the cause.

Alpana Killawala

October 23, 2026 at 9:16 AM IST

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IRDAI’s Insurance Reset Needs Stronger Consumer Safeguards

IRDAI’s distribution reforms address deep incentive problems. Their success will depend on consumer protection, viable last-mile economics, product suitability and credible regulatory enforcement.

Srinath Sridharan

October 9, 2026 at 2:01 PM IST

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IRDAI

Regulating for the Public Good

The RBI, SEBI and IRDAI share a public purpose. Their recent interventions show why preparation and communication matter as much as intent.

Babuji K

September 29, 2026 at 12:36 PM IST

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IRDAI Must Finally Put Some Bite Behind Its Rules

After years of mis-selling and claims grievances, IRDAI is tightening distribution rules. But will lower commissions curb bad incentives, or simply push them elsewhere?

Srinath Sridharan

September 28, 2026 at 4:05 AM IST

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IRDAI

India’s Financial Reforms Risk Becoming Policy Vapourware Again

India excels at headline reforms, but crucial financial sector overhauls keep stalling. Delaying invisible safeguards today could make the next crisis far costlier.

Utsav Saksena

July 21, 2026 at 5:42 AM IST

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India Cannot Become Developed On Bank Credit Alone

No major economy has achieved developed-nation status by relying predominantly on banks. India must now build corporate debt markets worthy of its ambitions.

Srinath Sridharan

July 13, 2026 at 6:56 AM IST

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India’s Bond Market Debate Needs a Wider Lens

India must shift from bank-led infrastructure finance to deeper bond markets that price risk transparently and recycle long-term savings into new assets.

Arvind Mayaram

May 29, 2026 at 4:00 AM IST

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Insurance Promoters Must Share Cost of Customer Harm

IRDAI’s proposal to link executive compensation with customer outcomes acknowledges the widening trust deficit within India’s insurance sector. But durable reform will need more.

Srinath Sridharan

May 19, 2026 at 9:21 AM IST

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RBI’s NBFC Branch Reform Boosts Inclusion, but Tests Risk Discipline

RBI’s move to let NBFCs open branches without approval may widen financial inclusion and competition, but expansion will demand stronger risk controls.

K. Srinivasa Rao

April 21, 2026 at 5:50 AM IST

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RBI Tightens Grip on Banks’ Non-Core Sales Practices

New RBI rules on third-party product sales seek to curb mis-selling, realign incentives, and restore trust in banking distribution models.

K. Srinivasa Rao

March 3, 2026 at 7:00 AM IST

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Insurance

Who Gets to Decide What Healthcare You Deserve?

As insurers push clinical protocols and hospitals resist rigid pathways, India faces a deeper struggle over who defines medical necessity in a financialised healthcare system.

R. Gurumurthy

February 10, 2026 at 4:19 AM IST

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Can India's Light-Touch AI Regulation Deliver Brilliance Without the Roulette Risk

India's financial regulators forge light-touch AI frameworks balancing rapid innovation against systemic risks

Indra Chourasia

January 2, 2026 at 9:08 AM IST

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Ather Energy to Launch Insurance Distribution Subsidiary

BasisPoint Insight

December 19, 2025 at 9:08 AM IST

India’s Unclaimed Assets Reveal a Trillion-Rupee Crisis Demanding Reform

India sits on nearly ₹2 trillion in unclaimed assets that never reach the people they were meant for. A unified, transparent, nomination-led system is now long overdue.

Rajesh Bansal

December 2, 2025 at 6:44 AM IST

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Opinion

The Illusion of Reform in India’s Healthcare-Insurance Crisis

India’s healthcare-insurance crisis is rooted not in market forces alone, but in regulatory hesitation and a long-standing political reluctance to confront structural distortions. Cosmetic appeals for cooperation cannot repair a system.

Srinath Sridharan

November 20, 2025 at 2:51 AM IST

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IRDAI

Building a Unified Framework for AI Oversight

India is crafting a unified AI governance model where innovation meets integrity. RBI’s FREE-AI and CCI’s oversight framework set the stage for ethical, transparent intelligence.

Anupam Sonal

October 30, 2025 at 8:02 AM IST

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Foreign Money Cold on India’s Insurance Gamble

Government plans to sell stakes in state insurers face tepid global interest, with high taxes, fraud and mistrust clouding a $280 billion market.

Alpana Killawala

July 28, 2025 at 11:44 AM IST

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IRDAI

Chola General Insurance Gets IRDAI Warning Over Health Claim Lapses

BasisPoint Insight

July 23, 2025 at 8:15 AM IST

The Broken Compass Of Indian Insurance: Where Is The Consumer?

Despite its central role in financial protection, India’s insurance sector often appears to place industry functionality ahead of consumer trust—reflecting a regulatory framework that has yet to fully embrace urgency and consumer-centricity.

Srinath Sridharan

June 11, 2025 at 6:57 AM IST

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IRDAI

Basis Shorts

The Bureau

India's Energy Transition: The Hard Part is Yet to Come
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