Intense competition in general insurance
Competition remains high across motor, health, and crop segments, potentially pressuring pricing and combined ratios.
BAJAJFINSV / Q1-FY26 / risks
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Bajajfinsv · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Group protection degrowth due to MFI slowdown
BALIC's group protection business declined 7% YoY, largely due to slowdown in MFI lending, which is outside management's control.
Persistency dips in 13-month bucket
BALIC observed lower persistency in the 13-month bucket due to base effect of higher ticket size policies written in Q4 FY24.
Potential impact of tender-based crop business pricing
Management noted that crop tender pricing is below comfortable levels, which could lead to lower win rates or adverse loss ratios.