Insurance Product Affordability in India “Affordability without integrity is temporary. Sustainable insurance growth rests on trust, discipline and responsible pricing.” — CS Devyani Khambhati – Compliance Expert Insurance Product Affordability in India has once again come into sharp focus after a senior member of the Insurance Regulatory and Development Authority of India (IRDAI) publicly urged insurers to reduce customer acquisition costs and overall management expenses. The message is simple, yet powerful — if insurance is […]

Actuarial Talent Shortage in India “When risk grows but expertise does not, protection becomes fragile. Actuarial discipline is the backbone of insurance stability.” — CS Devyani Khambhati – Compliance Expert Actuarial Talent Shortage in India is no longer a quiet academic concern. It has become a structural risk for the insurance sector. The Chairman of the Insurance Regulatory and Development Authority of India (IRDAI), Ajay Seth, has publicly highlighted that India has fewer than one […]

Group Health Insurance in India “The strength of a nation lies not only in its economy, but in the security of its families.” – Inspired by Dr. A.P.J. Abdul Kalam Group Health Insurance in India has quietly moved from being a corporate benefit to becoming a national economic stabiliser. What was once seen as a “perk” offered by large employers is today emerging as the fastest-growing protection engine within India’s insurance ecosystem. The latest Annual […]

Stable Money Fixed Deposits Platform – How “Fixed” Is Being Re-imagined in Fintech Stable Money Fixed Deposits Platform is Changing the “Fixed Deposit” Conversation Stable Money Fixed Deposits Platform is being discussed because it takes something Indians already trust—fixed deposits—and re-packages it into a modern, digital, product-led experience. For decades, FDs have been the classic “safe money” choice: predictable returns, low complexity, and a sense of security. What has changed is not the FD itself, […]

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 […]