Claim Settlement Ratio 2026 “The true character of an institution is revealed when it is tested.” — Inspired by the wisdom of Mahatma Gandhi When we speak of insurance, we are not speaking about a document. We are speaking about trust. The Claim Settlement Ratio 2026, released by the Insurance Regulatory and Development Authority of India (IRDAI) for FY 2024–25, is not merely a statistical disclosure. It is a mirror reflecting how insurers respond when […]

RBI Acquisition Finance Guidelines 2026 “Moral authority and financial discipline must walk together.” – Inspired by Mahatma Gandhi When the regulator changes acquisition finance rules, it is not merely a technical adjustment. It is a signal. The RBI Acquisition Finance Guidelines 2026 signal that growth is welcome — but structured growth, backed by capital strength and governance. The Reserve Bank of India has relaxed certain acquisition-finance restrictions, expanded lending limits, and revised retail borrowing norms. […]

Irdai AIF Investment Norms Clarification Strengthens Discipline “Capital carries responsibility. When it represents policyholder trust, the discipline must be even stronger.” — CS Devyani Khambhati – Compliance Expert Irdai AIF Investment Norms Clarification Strengthens Discipline The recent Irdai AIF Investment Norms Clarification is a calibrated regulatory step — not a restriction, not a liberalisation alone — but a structured refinement. The Insurance Regulatory and Development Authority of India has clarified how insurers may invest in […]

Bharat Bandh Bank Holiday February 12, 2026 “Discipline in systems prevents panic in society.” – CS Devyani Khambhati, Compliance Expert Whenever there is news of a nationwide strike, the first question every business owner and account holder asks is simple — Are banks open or closed? The confusion around Bharat Bandh Bank Holiday February 12, 2026 has been exactly of that nature. Customers across India have been anxious about whether they can access banking services […]

Unregistered Type I NBFC “Regulation is not a burden; it is the discipline that protects the system when enthusiasm overtakes prudence.” — CS Devyani Khambhati Unregistered Type I NBFC is now the phrase every compliance officer and promoter in the NBFC ecosystem must understand clearly. The Reserve Bank of India has released draft guidelines clarifying that certain non-deposit taking NBFCs with assets below ₹1,000 crore and no customer interface may be exempt from registration — […]