Proprietary empirical studies and regulatory benchmarks computed from primary disclosures of the Reserve Bank of India (RBI), Insurance Regulatory and Development Authority of India (IRDAI), and AMFI.
Insurance Analysis · STUDY 01
India Health & Term Insurance Claim Settlement Benchmark (2025–2026)
Updated October 2026 · Source: IRDAI Annual Reports & Public Disclosures (NL-25 / L-24)
Deep-dive analysis of official IRDAI public disclosures across 28 life insurers and 32 health/general insurers. Examines claim rejection rates, the 3-year Section 45 moratorium clause impact, and co-pay deductions.
Insurers Evaluated60 Total
Total Claims Analyzed₹1.14 Lakh Cr
Avg Health Settlement87.6%
Key Empirical Findings
Top 5 private term insurers maintained an average Claim Settlement Ratio (CSR) of 98.4% by number of policies, but CSR by benefit amount was 94.1%.
Non-disclosure of pre-existing conditions accounted for 64% of all health insurance claim repudiations.
Average cashless authorization turnaround time improved to 42 minutes under the 2024 IRDAI master circular mandate.
Indian Retail SIP Compounding & Inflation Real-Returns Study (2014–2026)
Updated October 2026 · Source: AMFI Monthly Inflow Data & NSE Historical Index Returns
A 12-year longitudinal study evaluating retail disciplined monthly SIPs across Nifty 50, Nifty Next 50, Public Provident Fund (PPF), and Bank Fixed Deposits, adjusted for urban and rural CPI inflation.
Study Period12 Years
Rolling Periods Tested1,440 Months
Real Return Alpha+7.9% p.a.
Key Empirical Findings
A continuous 10-year ₹10,000/month Nifty 50 SIP generated a nominal CAGR of 13.8%, yielding a real inflation-adjusted return of +7.9% above headline CPI.
Step-up SIPs (annual 10% increase) grew the terminal wealth corpus by 47% compared to flat contributions with identical final-year income.
Zero 7-year rolling return periods in Nifty 50 resulted in negative returns since 2005.
RBI Repo Rate Transmission to Retail Borrowers vs Fixed Deposit Savers
Updated September 2026 · Source: RBI DBIE Database & Published Bank Benchmark Lending Rates
Quantitative study of the monetary policy transmission lag across India’s top 12 public and private scheduled commercial banks under the External Benchmark Lending Rate (EBLR) framework.
Banks Monitored12 Major Banks
Loan Transmission Lag18 Days
Deposit Revision Lag84 Days
Key Empirical Findings
Floating-rate home loan rate hikes transmit to retail borrowers within an average of 18 days of an RBI Monetary Policy Committee repo hike.
Corresponding retail fixed deposit rate revisions lagged by an average of 84 days, preserving higher net interest margins (NIMs) for lending institutions.
Borrowers opting for tenure extensions rather than EMI increases paid an average of 22% more total interest over 20-year loan tenures.
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