SEBI IFSCA ESMA Clearing House Recognition “Trust in global markets is not built on speed alone. It is built on clarity of supervision and mutual respect between regulators.” — CS Devyani Khambhati, Compliance Expert SEBI IFSCA ESMA Clearing House Recognition When we speak to founders and treasury heads, one common question arises — why do international regulatory agreements matter so much for Indian institutions? The recent development regarding SEBI IFSCA ESMA clearing house recognition discussions […]

SEBI Special Window for Physical Securities: One-Year Opportunity to Regularise Pending Transfers SEBI Special Window for Physical Securities brings significant relief to investors holding shares in physical form. The Securities and Exchange Board of India has announced a special one-year window allowing investors to transfer and dematerialise physical securities that could not be processed earlier due to documentation or procedural deficiencies. This special facility will remain open from: 📅 February 5, 2026 to February 4, […]

SEBI Letter of Confirmation Removal: Faster, Safer Credit of Securities to Demat Accounts SEBI Letter of Confirmation Removal marks a significant operational reform in India’s securities market framework. The Securities and Exchange Board of India has formally eliminated the requirement of issuing a Letter of Confirmation (LoC) before crediting securities to investors’ demat accounts. Instead, securities will now be directly credited to the investor’s demat account after due diligence by the listed company or its […]

Economic Survey on Insurance Affordability and the Real Cost of Insuring India Economic Survey on Insurance Affordability has delivered one of the most candid assessments of India’s insurance sector in recent years. Beyond headline growth numbers, the Survey draws attention to a structural issue that has long been discussed quietly within the industry — the rising cost of acquisition and distribution, and its direct impact on insurance inclusion, affordability, and long-term sustainability. While India’s insurance […]

Home Loan Balance Transfer: The Right Time for Existing Borrowers to Save Big on Interest Costs Home Loan Balance Transfer has emerged as one of the most important financial opportunities for existing borrowers as India enters a lower interest rate cycle. For thousands of families who took home loans between 2022 and 2024, this is a crucial moment to pause, review, and potentially save several lakhs of rupees over the remaining loan tenure. After nearly […]