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Regulation & Compliance

Sarvada research, workflows, and commentary focused on regulation & compliance.

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102 published articles

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Regulation & Compliance

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June 29, 2026

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102 articles

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Regulation & Compliance - May 21, 2026 - 14 min read

Insurance Amendment Bill 2026 Cycle in India: Composite Licence, FDI Changes, Distribution Rules, and the Broker Firm Implications

An analysis of the 2026 cycle of the Insurance Amendment Bill in India and its implications for broker firms, including the composite licence proposal, FDI policy changes, distribution rule revisions, the agent versus broker boundary, and the FOS bench expansion that together will reshape commercial broking economics through the decade.

By Sarvada Editorial Team

Regulation & Compliance - May 20, 2026 - 14 min read

Post-Launch Bima Sugam Impact on Indian Broker Economics in 2026: Account Access, Retail Commission Compression, and Commercial Defensibility

How Bima Sugam is reshaping Indian broker economics after retail phase 1 rollout: client account access mechanics, commission compression risks in retail lines, the commercial-lines defensibility argument, and the technology adaptations brokers need to remain commercially viable through the phase 2 transition.

By Sarvada Editorial Team

Regulation & Compliance - May 20, 2026 - 15 min read

Anticipated IRDAI Cyber Security Framework v2 in 2026: Scope Expansion, Third-Party Risk, and Board Attestation for Indian Insurers and Intermediaries

A field guide to the expected 2026 refresh of the IRDAI Information and Cyber Security Guidelines 2023, covering scope expansion to brokers and TPAs, third-party risk obligations, board attestation, and the implementation actions that risk and compliance leaders should begin in advance of formal notification.

By Tarun Kumar Singh

Regulation & Compliance - May 17, 2026 - 8 min read

IRDAI's Suitability Shift in 2026: What Commercial Brokers Should Document Now

IRDAI's mis-selling enforcement has so far centred on retail life. The 2025-2026 rule-making direction signals a wider documented-suitability regime that will reach commercial brokers next.

By Tarun Kumar Singh

Regulation & Compliance - May 16, 2026 - 8 min read

Under-Insurance Is Mis-selling Too: Why Indian Commercial Brokers Need a Documented Risk Basis

When a broker places fire cover at Rs 50 crore on a plant worth Rs 120 crore at reinstatement value, the policy is the wrong product. The signature on the proposal will not save the broker once suitability rules land.

By Tarun Kumar Singh

Regulation & Compliance - May 15, 2026 - 10 min read

Mis-selling in Commercial Insurance India: A Broker's Guide

Mis-selling is no longer a retail-life problem alone. Indian commercial brokers face a tightening conduct perimeter that will determine which placements survive regulatory and litigation scrutiny in the next 24 months.

By Tarun Kumar Singh

Regulation & Compliance - May 13, 2026 - 15 min read

Companies Act 2013 Insurance Obligations for Listed Indian Companies

The Companies Act 2013 contains direct and indirect insurance obligations that boards of listed Indian companies frequently miss, from Section 134 disclosure requirements to CARO 2020 audit inquiries. This guide maps each obligation to the relevant insurance programme decision.

By Sarvada Editorial Team

Regulation & Compliance - May 12, 2026 - 14 min read

Account Aggregator Framework and Commercial Insurance Integration India

The RBI Account Aggregator framework is creating new data pathways for insurance underwriting and claims. This guide explains how the FIP-FIU-AA ecosystem works, what financial data is flowing, and how IRDAI's participation shapes SME underwriting and claims verification.

By Sarvada Editorial Team

Regulation & Compliance - May 12, 2026 - 13 min read

IRDAI e-Insurance Account Mandate: Corporate Policyholders Guide India

IRDAI's e-insurance account mandate requires all new policies to be held in electronic form through one of four designated repositories. This guide explains what the mandate requires, how repositories work, and what corporate policyholders must do to comply.

By Sarvada Editorial Team

Regulation & Compliance - May 11, 2026 - 16 min read

IRDAI Expenses of Management Cap Update for FY26 and FY27 in India: Revised Line-of-Business Slabs, Allowable Expense Definitions, and Broker Commission Treatment

An implementation review of the anticipated IRDAI Expenses of Management cap update for FY26 and FY27, covering revised line-of-business slabs, allowable expense definitions, the treatment of broker commission inside EoM, and the governance actions risk and finance leaders should be taking ahead of formal notification.

By Tarun Kumar Singh

Regulation & Compliance - May 2, 2026 - 5 min read

Conduct Risk Management in Indian Bancassurance

Bancassurance has become India's most scrutinised distribution channel. Conduct risk now sits at the intersection of IRDAI's policyholder-protection mandate and the RBI's customer-protection expectations.

By Tarun Kumar Singh

Regulation & Compliance - May 2, 2026 - 11 min read

MSME Insurance Regulatory Push in India: 2025 Mandates and Incentives

IRDAI and government initiatives are reshaping MSME insurance coverage in India through simplified products, digital platforms, loan-linked mandates, and premium subsidies, but the gap between 63 million MSMEs and the fewer than 5% with adequate commercial cover remains vast.

By Tarun Kumar Singh

Regulation & Compliance - April 30, 2026 - 15 min read

IRDAI Cyber Insurance Guidelines: What Commercial Buyers Need to Know

IRDAI's evolving cyber insurance framework, from product filing requirements to ransomware coverage constraints, data localisation rules, and the DPDP Act's interaction with policy response, translated into specific actions for Indian commercial insurance buyers.

By Tarun Kumar Singh

Regulation & Compliance - April 28, 2026 - 12 min read

IRDAI Expenses of Management Regulations 2024: Impact on Commercial Insurance Buyers

The IRDAI Expenses of Management Regulations 2024 replaced product-level expense caps with company-level composite limits linked to premium income tiers, giving insurers flexibility to cross-subsidise across lines. Commercial buyers need to understand how this reshapes fire insurance pricing, broker commission dynamics, and the competitive incentives of non-life insurers.

By Tarun Kumar Singh

Regulation & Compliance - April 27, 2026 - 12 min read

Foreign Reinsurer Branch Registration in India: IRDAI Requirements and Process

A detailed guide to the eligibility criteria, application process, and operational framework for foreign reinsurers seeking to establish a branch office in India under IRDAI's Foreign Reinsurance Branch regulations, including the obligatory cession rules and the GIFT City alternative.

By Tarun Kumar Singh

Regulation & Compliance - April 25, 2026 - 6 min read

Governance Expectations for Digital Insurance Platforms in India

Web aggregators, insurtech distributors, and embedded insurance platforms are now subject to governance expectations closer to insurers than to pure technology businesses. The supervisory direction is moving fast, and platforms that have been operating with light governance are running out of slack.

By Tarun Kumar Singh

Regulation & Compliance - April 15, 2026 - 9 min read

SEBI LODR Insurance Disclosure Playbook Beyond Regulation 30: Material Events, Related Party, ESG

Full SEBI LODR disclosure playbook for insurance events beyond Regulation 30. Related party rules for captive premium, BRSR ESG insurance disclosures, common pitfalls, and SEBI adjudication precedent with practical templates.

By Tarun Kumar Singh

Regulation & Compliance - April 12, 2026 - 13 min read

Indian Competition Act and Insurance: Merger Control Filings for Insurer M&A and Broker Consolidation

How CCI merger control thresholds under Section 5, the de minimis exemption, and IRDAI's parallel approval process shape insurer acquisitions, broker consolidation post-composite licence, and insurtech M&A in India.

By Tarun Kumar Singh

Regulation & Compliance - April 10, 2026 - 13 min read

Cross-Border Data Transfer Rules Under DPDP and Their Impact on Global Insurance Programmes

How Section 16 of the DPDP Act, the notified country list, GDPR, DORA, and IRDAI's 2023 Information Security Guidelines reshape data flows in master-local policies, reinsurance placements, and global claims handling for Indian insureds.

By Tarun Kumar Singh

Regulation & Compliance - April 9, 2026 - 16 min read

Post-IBC Workouts: How Insurance Covers (or Doesn't) Insolvent Creditors, Resolution Applicants, and Acquirers

The Insolvency and Bankruptcy Code reshapes insurance obligations at every stage of the corporate insolvency resolution process. This guide examines moratorium effects on insurance claims, D&O cover for resolution professionals, former directors, and committee of creditors, continuity of policies through approved resolution plans, and the priority of insurance proceeds in the section 53 waterfall.

By Tarun Kumar Singh

Regulation & Compliance - April 6, 2026 - 4 min read

Factories Act 1948: Insurance Implications for Indian Manufacturers

The Factories Act 1948 imposes strict occupier duties under Section 7A and regulates hazardous processes under Sections 41B and 41F. This guide covers compliance obligations, worker compensation requirements, and the insurance solutions needed to manage occupier liability.

By Tarun Kumar Singh

Regulation & Compliance - April 5, 2026 - 9 min read

DPDP Act Enforcement in Insurance: Data Protection Board Proceedings, Penalty Calculation, and Insurer Playbooks

Data Protection Board proceedings under the DPDP Act 2023. Penalty tiers up to INR 250 crore, enforcement triggers for insurers and TPAs, breach response SOPs, and cyber insurance coverage gaps on administrative fines.

By Tarun Kumar Singh

Regulation & Compliance - April 4, 2026 - 6 min read

CEA Electrical Safety Regulations and Insurance: Compliance and Coverage

The Central Electricity Authority (CEA) Safety Regulations 2010 govern electrical safety at switchyards, substations, captive generation, and rooftop solar installations. This guide covers third-party inspection requirements, common CEA compliance breaches, and insurance denial risks.

By Tarun Kumar Singh

Regulation & Compliance - April 3, 2026 - 15 min read

Legal Metrology Act 2009 and Product Liability Insurance: Compliance and Claims Risk in India

An examination of the Legal Metrology Act 2009 and Packaged Commodities Rules 2011, product labelling obligations, enforcement trends, and critical implications for product liability insurance coverage, recall costs, and defence liability for manufacturers and e-commerce sellers in India.

By Tarun Kumar Singh

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