Bancassurance Mis-selling Regulations “Regulation does not exist to slow business; it exists to protect trust. And in finance, trust is the true currency.” — CS Devyani Khambhati – Compliance Expert When a customer walks into a bank, they expect safety. They do not expect persuasion. The recent draft guidelines issued by the Reserve Bank of India have brought renewed focus on bancassurance mis-selling regulations — especially in relation to life insurance products sold by banks. […]

SEBI PMS Overhaul 2026  “Regulation is not a barrier to growth; it is the boundary that protects growth.” — CS Devyani Khambhati SEBI PMS Overhaul 2026: A Structural Reset for Portfolio Management Services The SEBI PMS Overhaul 2026 signals one of the most important regulatory recalibrations in the portfolio management ecosystem in recent years. At a recent industry conclave, SEBI Chairperson Tuhin Kanta Pandey indicated that the regulator is preparing a comprehensive review of the […]

RBI Secured Data Centre in Odisha   “Strength lies not only in what we build, but where and how we build it.” — Inspired by the governance philosophy of Indian institutional leadership RBI Secured Data Centre in Odisha: A Strategic Shield for India’s Financial Backbone The RBI Secured Data Centre in Odisha marks a quiet yet powerful shift in how India protects its financial nervous system. When most people think of financial stability, they imagine policies, […]

GST Cut Impact on Consumer Durables Sector “Price reductions create expectation. But demand revival requires confidence.” — CS Devyani Khambhati – Compliance Expert GST Cut Impact on Consumer Durables Sector: Why the Celebration Is Missing When the government reduced GST on key consumer durables from 28% to 18%, many believed the sector would witness an immediate revival. On paper, the GST Cut Impact on Consumer Durables Sector looked positive. Lower tax means lower prices. Lower […]

P2P Lending Risks in India “Trust in finance is built not by promise of returns, but by clarity of risk.” – CS Devyani Khambhati, Compliance Expert P2P Lending Risks in India: The New Reality After RBI’s 2024 Reforms P2P Lending Risks in India have become a serious subject of discussion after the August 2024 regulatory overhaul by the Reserve Bank of India. There was a time when peer-to-peer platforms were advertising returns of 18% to […]