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Even as business volumes improve, costs remain a sore point. General insurers are still paying out more in commissions and operating expenses, keeping combined ratios on the higher side. Claims have moderated slightly for a few players, but not enough to make a meaningful dent in overall profitability this quarter.

Life insurers are facing a similar squeeze. Premium collections may be improving, but margins remain under strain as companies balance distribution costs, compliance requirements and changes in the kind of products customers are buying.

Ankit Kumar is a Senior Sub Editor at Zee Business, where he writes and edits across economy, international affairs, politics, climate policy, financial markets, business, perso