Surrender regulation disruption in life insurance
New surrender value guidelines have impacted product mix and distribution, with agency channel taking longer to adjust.
BAJAJFINSV / Q3-FY25 / risks
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Bajajfinsv · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Health insurance pricing and commission pressures
IRDAI capping senior citizen premium hikes and EOM limits may pressure margins, though Bajaj is well-positioned.
Allianz JV exit uncertainty
Allianz's intention to exit the JV is at preliminary stage; no details provided, creating strategic uncertainty.