Persistency decline in life insurance
Persistency dips observed across the industry and Bajaj Life, partly due to early gratification products. Management expects further sector decline.
BAJAJFINSV / Q4-FY26 / risks
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Material risks this quarter
medium
Elevated competitive intensity in general insurance
Industry combined ratio deteriorated 6-7% YoY; Bajaj General reduced exposure to crop and motor due to pricing pressures.
Uncertainty around IFRS 17 transition
Management cited lack of clarity on assumptions and tax implications, leading to forbearance request. Transition delayed to FY28.
Bajaj Markets revenue degrowth due to platform migration
Revenue declined to INR 95 crore from INR 129 crore YoY due to planned migration and DLG compliance. Recovery expected in FY27.