This panel explores how new laws, digital mandates, and ESG norms are reshaping Banking, NBFCs & Insurance, balancing regulation with growth in India’s BFSI sector.

• Banking Laws (Amendment) Act 2025 – governance safeguards, depositor protection, and systemic accountability.
• RBI’s Project Finance Directions 2025 – new capital allocation rules, exposure ceilings, and disclosure norms.
• AIF Investment Caps & NBFC Stress – restrictions on exposure to stressed funds, evergreening prevention, compliance costs, borrower protection, and implications of IBC reforms on NBFC resolution.
• IBC Amendment Bill 2025 – mandatory admission timelines, group insolvency, cross-border aspects, and fast-track processes.
• DRT & DRAT e-filing mandate – effectiveness of digitisation in clearing backlogs and improving resolution efficiency.
• FinTech SRO Recognition – with RBI officially recognising a FinTech SRO, is self-regulation an answer or a new grey zone?
• SEBI’s evolving LODR framework – has transaction structuring turned into a legal tightrope?
• Insurance Regulation Shifts – from Bima Sugam to principle-based norms, Use & File regime, relaxed commission caps—helpful or confusing for insurers navigating multiple disclosures and interpretations?
• Regulatory Philosophy in Flux – rule-based vs principle-based regulation: are we entering an era of trust or turbulence?

As the BFSI sector embraces reform and innovation, this session explores how regulation, sustainability, and technology are redefining credit, coverage, and compliance.

• IRDAI’s Health Insurance Overhaul 2025 – 2-hour rule, PED moratorium, senior citizen premium caps.
• Insurance Laws Amendment Bill – 100% FDI and composite licences.
• Bima Sugam platform – benefits, risks of centralised digital distribution.
• Insurance repositories & e-policies – annual IT/cybersecurity audits, data governance under DPDPA.
• Digital claims – how innovation strains existing legal frameworks.
• ESG & Sustainable Finance – is RBI’s climate disclosure framework a wake-up call, and can sustainable finance gain traction without incentives or harmonised ESG metrics?
• The ESG–Data Nexus – balancing green lending goals with data integrity and disclosure fatigue.
• Social Sustainability in Credit – can inclusive lending & responsible finance be aligned with profitability?
• Are SEBI & RBI’s NBFC guidelines reshaping lending practices wrt FinTech–NBFC partnerships?
• Are NBFCs caught in a regulatory bottleneck – especially after FLDG and credit on UPI clarifications?
• Is the Banning of Unregulated Deposit Schemes Act enough to prevent Ponzi-like failures?
• Lending Service Providers (LSPs) compliance under Digital Lending norms while remaining competitive especially with prepayment penalties banned?
• With PAN and Account Aggregators central to underwriting, is credit scoring truly democratised - and can AI-driven lending stay fair and transparent?

With DPDPA, digital rails, and AI lending reshaping Banking, NBFCs & Insurance, this panel examines how to balance compliance, innovation, and trust in a connected world.

• With DPDPA now a reality, how can banks plug data leaks and tech loopholes before they turn into liabilities—and where does this leave insurers juggling IoT data, underwriting models, and health disclosures?
• How does DPDPA reshape how financial institutions approach consumer data, analytics, and targeted offerings—and what does this mean for MSME credit access via Account Aggregators?
• KYC regimes and AML surveillance – how do we synergise between Banks, FinTech & Insurance, especially as the Account Aggregator ecosystem scales and compliance challenges mount?
• Compliances for insurance web-aggregators and penalties hence—how is tech redefining the “premium–claim” equation in a digital-first insurance market?
• Can India’s payments ecosystem really be interoperable, or are NPCI vs Visa/Mastercard wars holding it back—and how do cybersecurity obligations and PMLA compliance shape this battleground?
• Are we prepared for CBDCs and crypto together—or is one a regulatory mask for the other, especially as payment interoperability and digital asset governance collide?
• RBI’s Digital Lending Directions 2025 – FLDG caps, app registration, disclosures, lender liability—how are these reshaping the compliance perimeter for digital credit?
• TechFin vs FinTech – compliance challenges for non-traditional players in regulated finance, and how do they differ in navigating RBI, SEBI, and DPDPA expectations?
• AI-driven lending – fairness, explainability, regulator expectations—how can institutions balance innovation with legal defensibility?
• How can General Counsels prepare for the next data breach, ransomware threat, or regulator dawn raid—especially under DPDPA, PMLA, and sectoral cybersecurity mandates?

As compliance and ADR reshape Banking, NBFCs & Insurance, this panel explores faster dispute resolution, stronger governance, and readiness for multi-regulatory scrutiny.

• Securities: SEBI’s SMART-ODR — default path to settle investor disputes and redefine grievance redressal.
• Payments: NPCI’s UDIR + RBI’s ODR mandate — can UPI disputes clear faster, and is digital redress finally scalable?
• Banking Ombudsman 2.0 — RBI’s Integrated & Internal Ombudsman models: overlap or clarity in consumer protection?
• Insurance: IRDAI’s Internal Ombudsman framework + proposed “Internal Insurance Ombudsman” — bridging disputes before litigation or introducing new conflict risks?
• Recoveries: DRT goes e-first — will mandatory e-filing finally cut backlog and improve enforcement timelines?
• Tribunal reforms — NCLT/NCLAT efficiency, digitisation, and the push for judicial consistency in commercial matters.
• Investor protection in hybrid securities and complex instruments — regulatory and judicial scrutiny intensifies.
• Mediation Act, 2023 — time to put “mediate-first” clauses in BFSI contracts and rethink pre-litigation strategy.
• Arbitration drafting after the 7-Judge ruling on stamping — how should BFSI contracts evolve to stay enforceable?
• Securities to Insurance: What’s the right “ODR clause” for multi-party BFSI stacks? — balancing enforceability, forum selection, and regulatory expectations.