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Regulator-sourced research, briefings, and editorial analysis

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August 16, 2026

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1217 articles

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Regulation & Compliance - July 29, 2026 - 11 min read

IRDAI's Penalty Procedure Regulations: The 21-Day Show-Cause Clock and the File You Build Before the Notice

IRDAI approved the Manner and Procedure for Imposing Penalties Regulations, 2026 at its 137th Authority Meeting, codifying what a show-cause notice must contain and giving noticees a minimum 21 days to reply. Why a broking firm cannot assemble that reply from a standing start, and the readiness pack to build before the notice arrives.

By Tarun Kumar Singh

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Operations & Best Practices - July 26, 2026 - 10 min read

CKYC 2.0 and the Single Customer ID: What Changes in Broker Onboarding, Re-KYC and Record Retention

India's central KYC registry moves to CKYC 2.0 in August 2026, with a single customer identifier reusable across banks, insurers and mutual funds. This post walks the broker onboarding workflow end to end: where the identifier replaces document collection, where it does not, and the SOP edits to make before the rollout.

By Tarun Kumar Singh

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Claims & Loss Prevention - July 25, 2026 - 8 min read

Seven Days or an Ex Parte Award: IRDAI's July 2026 Ombudsman Circular and How Commercial Complainants Should Use It

IRDAI's 23 July 2026 circular gives insurers 7 days to file their self-contained note with an ombudsman and directs offices to decide on the record if they miss. For proprietor-held and micro-enterprise commercial policies inside the Rs 50 lakh limit, insurer silence just became a liability for the insurer, not the complainant.

By Sarvada Editorial Team

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Operations & Best Practices - July 24, 2026 - 11 min read

Professional Indemnity for Insurance Brokers: The Cover Your Own Firm Is Required to Hold

A broking firm arranges liability cover for everyone else and often holds its own professional indemnity at the bare regulatory minimum. That minimum is three times last year's remuneration, and it is a licence condition, not a risk assessment. What the policy covers, how claims against brokers actually arise, and why the statutory floor is dangerously low for a firm placing large risks.

By Tarun Kumar Singh

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Regulation & Compliance - July 24, 2026 - 11 min read

Claim Turnaround Entitlements Under IRDAI's Policyholder Protection Regulations: What Commercial Buyers Can Demand

A commercial claim does not sit at the insurer's convenience. IRDAI's policyholder-protection framework fixes turnaround times for surveyor appointment, survey reporting, and settlement, and makes interest on delay an entitlement rather than a favour. The checklist a risk manager can quote back to an insurer.

By Tarun Kumar Singh

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Global & Cross-Border Insurance - July 23, 2026 - 9 min read

Inbound Expatriates in India: The Insurance Compliance Employers Miss

Most expat-insurance guidance is written for Indians going abroad. The mirror problem, insuring foreign nationals working in India, trips up GCCs, MNC subsidiaries, and Indian firms hiring foreign specialists. This guide covers Employees' Compensation Act reach, group versus international medical, and home-country programme conflicts.

By Sarvada Editorial Team

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Operations & Best Practices - July 23, 2026 - 8 min read

Regulatory Change Management for Broking Firms: Lessons From IRDAI's June 2026 Drafting Cycle

In five days in mid-June 2026, IRDAI put out four exposure drafts, each with a comment window of about three weeks. A firm that responds to that ad hoc loses on all four. This is the standing function that lets a mid-size broker read, assess, comment on and implement regulatory change as a routine rather than a scramble.

By Tarun Kumar Singh

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