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Sarvada research, workflows, and commentary focused on regulation & compliance.
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145 published articles
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Regulation & Compliance
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August 7, 2026
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145 articles
Regulation & Compliance - May 15, 2026 - 10 min read
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
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
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'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
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
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
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'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 - 13 min read
The IRDAI Expenses of Management Regulations 2024 replaced product-level expense caps with a single company-level composite limit — 30% of gross premium for general insurers and 35% for standalone health insurers — 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
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
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
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
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
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
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
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
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
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
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
Regulation & Compliance - April 2, 2026 - 9 min read
Ind-AS 117 measurement models, Contractual Service Margin, onerous contract recognition, and transition approaches. Balance sheet, P&L volatility, and solvency ratio implications for Indian insurers and listed corporate policyholders.
By Tarun Kumar Singh
Regulation & Compliance - April 2, 2026 - 7 min read
IRDAI's Insurance Ombudsman Scheme 2017 (as amended 2021) provides a free, binding grievance mechanism for commercial policyholders up to INR 50 lakh. Understand the 17 ombudsman offices, territorial jurisdiction, complaint scope, and how this forum differs from Consumer Courts and arbitration.
By Tarun Kumar Singh
Regulation & Compliance - March 28, 2026 - 14 min read
An analysis of the Motor Vehicles (Amendment) Act 2019 and its 2021 enforcement, covering enhanced penalties, the hit-and-run compensation scheme, MACT exposure under Sections 163A and 166, telematics compliance, e-challan linkage, and third-party insurance implications for commercial fleet operators.
By Tarun Kumar Singh
Regulation & Compliance - March 26, 2026 - 17 min read
A detailed operational guide to Bima Sugam, IRDAI's unified digital insurance marketplace, covering insurer onboarding, broker and agent integration, policy filing workflows, one-click claims initiation through DigiLocker, DPDPA 2023 data privacy obligations, and implementation timelines for mid-sized Indian insurers preparing for the commercial-lines phase.
By Tarun Kumar Singh
Regulation & Compliance - March 24, 2026 - 8 min read
When an insured enters insolvency under the IBC 2016, claim filing, subrogation recovery rank, and D&O coverage change materially. Learn about Form B, Section 53 waterfall, NCLT moratorium effects, and coverage during pre-CIRP and post-CIRP periods.
By Tarun Kumar Singh
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