Motor TP pricing uncertainty
No price hike in motor third-party for years; frequency of accidents rising, and regulatory approval for hike is uncertain, especially in an election year.
BAJAJFINSV / Q4-FY24 / 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
Regulatory risk on surrender charges for life insurance
Regulator may reconsider surrender charge regulations; management declined to comment, indicating potential impact on product profitability.
Dependence on tender-driven government health and crop business
Growth in government health and crop is tender-based and pricing-dependent; management may lose share if pricing becomes unfavorable.
Persistency pressure in life insurance from older cohorts
37th month persistency dropped due to a specific partner bucket; 49th month may also be impacted, though overall persistency improving.