Persistency pressure in older cohorts
61-month persistency declined due to COVID cohort impact; management expects this to be the last affected cohort but remains a watch item.
SBILIFE / Q3-FY26 / risks
Keep the risk register visible.
SBI Life Insurance Company · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
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Risk intelligence
Material risks this quarter
medium
Regulatory commission cap uncertainty
Analyst raised concerns about potential commission caps; management acknowledged readiness but no specific impact quantified.
Solvency ratio decline
Solvency ratio fell to 1.91 (multi-year low) due to strong protection growth and sum assured expansion; dividend payout may pressure further.