{"id":8059,"date":"2026-09-25T02:35:45","date_gmt":"2026-09-24T21:05:45","guid":{"rendered":"https:\/\/newsm.in\/?p=8059"},"modified":"2026-09-25T02:35:48","modified_gmt":"2026-09-24T21:05:48","slug":"irdai-draft-insurance-shares-fall-nithin-kamath-warning","status":"publish","type":"post","link":"https:\/\/newsm.in\/ro\/irdai-draft-insurance-shares-fall-nithin-kamath-warning\/","title":{"rendered":"IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f: \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f, \u091c\u0940\u0930\u094b\u0927\u093e \u092b\u093e\u0909\u0902\u0921\u0930 \u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0915\u0940 \u092c\u0921\u093c\u0940 \u091a\u0947\u0924\u093e\u0935\u0928\u0940, \u091c\u093e\u0928\u0947\u0902 5 \u0905\u0939\u092e \u0905\u092a\u0921\u0947\u091f"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f<\/strong> (IRDAI Draft) \u0915\u094b \u0932\u0947\u0915\u0930 \u0906\u090f \u0928\u090f \u0915\u0902\u0938\u0932\u094d\u091f\u0947\u0936\u0928 \u092a\u0947\u092a\u0930 \u0928\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0939\u0932\u091a\u0932 \u092e\u091a\u093e \u0926\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0940\u092e\u093e \u0928\u093f\u092f\u093e\u092e\u0915 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 (IRDAI) \u0926\u094d\u0935\u093e\u0930\u093e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0914\u0930 \u0915\u092e\u0940\u0936\u0928 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u0947 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0915\u0947 \u092c\u093e\u0926 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0914\u0930 \u0907\u0938\u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u092b\u093f\u0928\u091f\u0947\u0915 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0930\u094d\u091c \u0915\u0940 \u0917\u0908 \u0939\u0948\u0964 \u0907\u0938 \u0918\u091f\u0928\u093e\u0915\u094d\u0930\u092e \u0915\u0947 \u092c\u0940\u091a \u0926\u0947\u0936 \u0915\u0947 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0947 \u0921\u093f\u0938\u094d\u0915\u093e\u0909\u0902\u091f \u092c\u094d\u0930\u094b\u0915\u0930 &#8216;\u091c\u0940\u0930\u094b\u0927\u093e&#8217; (Zerodha) \u0915\u0947 \u092b\u093e\u0909\u0902\u0921\u0930 \u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0928\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u090f\u0915 \u092c\u0921\u093c\u0940 \u091a\u0947\u0924\u093e\u0935\u0928\u0940 \u0926\u0940 \u0939\u0948\u0964 \u0915\u093e\u092e\u0925 \u0928\u0947 \u092b\u093f\u0928\u091f\u0947\u0915 \u0914\u0930 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0947\u0921 \u092c\u093f\u091c\u0928\u0947\u0938 \u092e\u0949\u0921\u0932 \u0915\u0947 \u0932\u093f\u090f &#8216;\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u0930\u093f\u0938\u094d\u0915&#8217; (Regulatory Risk) \u0915\u094b \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0916\u0924\u0930\u093e \u092c\u0924\u093e\u092f\u093e \u0939\u0948, \u091c\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0915\u0902\u092a\u0928\u0940 \u0915\u093e \u092a\u0942\u0930\u093e \u092c\u093f\u091c\u0928\u0947\u0938 \u092e\u0949\u0921\u0932 \u0930\u093e\u0924\u094b\u0902\u0930\u093e\u0924 \u092c\u0926\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#irdai-\u0921\u094d\u0930\u093e\u092b\u094d\u091f-\u0938\u0947-\u091c\u0941\u0921\u093c\u0940-\u092e\u0941\u0916\u094d\u092f-\u091c\u093e\u0928\u0915\u093e\u0930\u0940-\u0914\u0930-\u0928\u093f\u092f\u092e\">IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u092e\u0941\u0916\u094d\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u092e<\/a><\/li><li><a href=\"#\u0928\u093f\u0924\u093f\u0928-\u0915\u093e\u092e\u0925-\u0928\u0947-\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940-\u0930\u093f\u0938\u094d\u0915-\u092a\u0930-\u0915\u094d\u092f\u093e-\u0915\u0939\u093e\">\u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0928\u0947 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u0930\u093f\u0938\u094d\u0915 \u092a\u0930 \u0915\u094d\u092f\u093e \u0915\u0939\u093e?<\/a><ul><li><a href=\"#\u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917-\u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940-\u0915\u0947-\u0932\u093f\u090f-\u092d\u0940-\u091a\u0947\u0924\u093e\u0935\u0928\u0940\">\u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u091a\u0947\u0924\u093e\u0935\u0928\u0940<\/a><\/li><\/ul><\/li><li><a href=\"#\u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938-\u0914\u0930-\u092b\u093f\u0928\u091f\u0947\u0915-\u0936\u0947\u092f\u0930\u094b\u0902-\u092e\u0947\u0902-\u092d\u093e\u0930\u0940-\u0917\u093f\u0930\u093e\u0935\u091f\">\u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0914\u0930 \u092b\u093f\u0928\u091f\u0947\u0915 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f<\/a><\/li><li><a href=\"#\u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902-\u0915\u0947-\u0932\u093f\u090f-\u0907\u0938\u0915\u093e-\u0915\u094d\u092f\u093e-\u092e\u0924\u0932\u092c-\u0939\u0948\">\u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u0915\u093e \u0915\u094d\u092f\u093e \u092e\u0924\u0932\u092c \u0939\u0948?<\/a><\/li><li><a href=\"#\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"irdai-\u0921\u094d\u0930\u093e\u092b\u094d\u091f-\u0938\u0947-\u091c\u0941\u0921\u093c\u0940-\u092e\u0941\u0916\u094d\u092f-\u091c\u093e\u0928\u0915\u093e\u0930\u0940-\u0914\u0930-\u0928\u093f\u092f\u092e\" class=\"wp-block-heading\">IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u092e\u0941\u0916\u094d\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u092e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u092c\u0940\u092e\u093e \u0928\u093f\u092f\u093e\u092e\u0915 IRDAI \u0928\u0947 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0930\u0947\u0917\u0941\u0932\u0947\u0936\u0928 \u0914\u0930 \u090f\u0915\u094d\u0938\u092a\u0947\u0902\u0938\u0947\u0938 \u0911\u092b \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f (EoM) \u0932\u093f\u092e\u093f\u091f \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u094b \u0932\u0947\u0915\u0930 \u0926\u094b \u0939\u093f\u0938\u094d\u0938\u094b\u0902 \u092e\u0947\u0902 \u090f\u0915 \u0915\u0902\u0938\u0932\u094d\u091f\u0947\u0936\u0928 \u092a\u0947\u092a\u0930 (\u092e\u0938\u094c\u0926\u093e) \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0907\u0938 \u0928\u090f <strong>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f<\/strong> \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0915\u0940 \u0932\u093e\u0917\u0924 \u0915\u094b \u0918\u091f\u093e\u0928\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u091c\u0930\u093f\u090f \u0928\u093f\u092f\u093e\u092e\u0915 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u091c\u094b\u0921\u093c\u0928\u0947 \u0915\u0940 \u0932\u093e\u0917\u0924 (Customer Acquisition Cost) \u0914\u0930 \u090f\u091c\u0947\u0902\u091f\u094b\u0902 \u092f\u093e \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0930\u094d\u0938 \u0915\u094b \u0926\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u092e\u0940\u0936\u0928 \u0915\u0947 \u092c\u0940\u091a \u090f\u0915 \u092c\u0947\u0939\u0924\u0930 \u0938\u0902\u0924\u0941\u0932\u0928 \u092c\u0928\u093e\u0928\u093e \u091a\u093e\u0939\u0924\u093e \u0939\u0948\u0964 \u0938\u0930\u0932 \u0936\u092c\u094d\u0926\u094b\u0902 \u092e\u0947\u0902 \u0915\u0939\u0947\u0902 \u0924\u094b IRDAI \u092e\u094b\u091f\u0930 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0924\u0915 \u092e\u0947\u0902 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0930 \u0915\u0947 \u092d\u093e\u0930\u0940-\u092d\u0930\u0915\u092e \u0915\u092e\u0940\u0936\u0928 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u0938\u0938\u094d\u0924\u093e \u0914\u0930 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u092c\u0940\u092e\u093e \u092e\u093f\u0932 \u0938\u0915\u0947\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0907\u0938 \u0915\u0926\u092e \u0938\u0947 \u0909\u0928 \u092b\u093f\u0928\u091f\u0947\u0915 \u0914\u0930 \u090f\u0917\u094d\u0930\u0940\u0917\u0947\u091f\u0930 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0940 \u091a\u093f\u0902\u0924\u093e \u092c\u0922\u093c \u0917\u0908 \u0939\u0948, \u091c\u093f\u0928\u0915\u0940 \u0915\u092e\u093e\u0908 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u091c\u0930\u093f\u092f\u093e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0914\u0930 \u0915\u092e\u0940\u0936\u0928 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 id=\"\u0928\u093f\u0924\u093f\u0928-\u0915\u093e\u092e\u0925-\u0928\u0947-\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940-\u0930\u093f\u0938\u094d\u0915-\u092a\u0930-\u0915\u094d\u092f\u093e-\u0915\u0939\u093e\" class=\"wp-block-heading\">\u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0928\u0947 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u0930\u093f\u0938\u094d\u0915 \u092a\u0930 \u0915\u094d\u092f\u093e \u0915\u0939\u093e?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">IRDAI \u0915\u0947 \u0907\u0938 \u0915\u0926\u092e \u0915\u0947 \u092c\u093e\u0926 \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u092e\u091a\u0947 \u0924\u0939\u0932\u0915\u0947 \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0926\u0947\u0924\u0947 \u0939\u0941\u090f \u091c\u0940\u0930\u094b\u0927\u093e \u0915\u0947 \u092b\u093e\u0909\u0902\u0921\u0930 \u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0928\u0947 \u0938\u094b\u0936\u0932 \u092e\u0940\u0921\u093f\u092f\u093e \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e &#8216;\u090f\u0915\u094d\u0938&#8217; (\u092a\u0942\u0930\u094d\u0935 \u092e\u0947\u0902 \u091f\u094d\u0935\u093f\u091f\u0930) \u092a\u0930 \u0905\u092a\u0928\u0940 \u092c\u093e\u0924 \u0930\u0916\u0940\u0964 \u0909\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u0938\u094d\u092a\u0937\u094d\u091f \u0915\u093f\u092f\u093e \u0915\u093f \u092b\u093f\u0928\u091f\u0947\u0915 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0940 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0938\u093f\u0930\u094d\u092b \u0917\u094d\u0930\u094b\u0925 \u0926\u0947\u0916\u0915\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u093e \u091c\u094b\u0916\u093f\u092e \u092d\u0930\u093e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u093e\u092e\u0925 \u0928\u0947 \u0932\u093f\u0916\u093e, &#8220;\u092e\u0948\u0902 \u0939\u092e\u0947\u0936\u093e \u092f\u0939 \u0915\u0939\u0924\u093e \u0930\u0939\u093e \u0939\u0942\u0902: \u0915\u093f\u0938\u0940 \u092d\u0940 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0947\u0921 \u092c\u093f\u091c\u0928\u0947\u0938 (Regulated Business) \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u091c\u094b\u0916\u093f\u092e &#8216;\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u0930\u093f\u0938\u094d\u0915&#8217; \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092c\u0940\u092e\u093e \u0915\u092e\u0940\u0936\u0928 \u092a\u0930 \u0906\u091c \u0915\u093e <strong>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f<\/strong> \u0907\u0938\u0915\u0940 \u090f\u0915 \u0905\u091a\u094d\u091b\u0940 \u092f\u093e\u0926 \u0926\u093f\u0932\u093e\u0924\u093e \u0939\u0948\u0964&#8221; \u0909\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u0906\u0917\u093e\u0939 \u0915\u093f\u092f\u093e \u0915\u093f \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0947\u0921 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 (Valuation) \u0938\u093f\u0930\u094d\u092b \u0909\u0928\u0915\u0947 \u092e\u094c\u091c\u0942\u0926\u093e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0914\u0930 \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0917\u094d\u0930\u094b\u0925 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u0930\u0928\u093e \u0917\u0932\u0924 \u0938\u093e\u092c\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u090f\u0915 \u092c\u0926\u0932\u093e\u0935 \u0909\u0928\u0915\u0940 \u092a\u0942\u0930\u0940 \u0915\u092e\u093e\u0908 \u092a\u0930 \u0905\u0938\u0930 \u0921\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 id=\"\u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917-\u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940-\u0915\u0947-\u0932\u093f\u090f-\u092d\u0940-\u091a\u0947\u0924\u093e\u0935\u0928\u0940\" class=\"wp-block-heading\">\u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u091a\u0947\u0924\u093e\u0935\u0928\u0940<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0928\u0947 \u0915\u0947\u0935\u0932 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0938\u0947\u0915\u094d\u091f\u0930 \u0939\u0940 \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u0916\u0941\u0926 \u0915\u0940 \u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u094b \u0932\u0947\u0915\u0930 \u092d\u0940 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u091a\u0947\u0924\u093e\u092f\u093e\u0964 \u0909\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u0915\u0939\u093e, &#8220;\u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u092d\u0940 \u0907\u0938\u0938\u0947 \u0905\u0932\u0917 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0930\u093f\u091f\u0947\u0932 F&amp;O (\u092b\u094d\u092f\u0942\u091a\u0930\u094d\u0938 \u090f\u0902\u0921 \u0911\u092a\u094d\u0936\u0902\u0938) \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917, \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u092b\u0902\u0921 \u092b\u094d\u0932\u094b\u091f \u092a\u0930 \u092c\u094d\u0930\u094b\u0915\u0930 \u0915\u0940 \u0915\u092e\u093e\u0908, \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u092b\u0948\u0938\u093f\u0932\u093f\u091f\u0940 (MTF) \u0914\u0930 \u0926\u0942\u0938\u0930\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u092c\u0926\u0932\u093e\u0935 \u0938\u0940\u0927\u0947 \u0924\u094c\u0930 \u092a\u0930 \u092c\u094d\u0930\u094b\u0915\u093f\u0902\u0917 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u093f\u091c\u0928\u0947\u0938 \u092e\u0949\u0921\u0932 \u0914\u0930 \u0909\u0928\u0915\u0940 \u0906\u092f \u0915\u094b \u0930\u093e\u0924\u094b\u0902\u0930\u093e\u0924 \u092c\u0926\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964&#8221;<\/p>\n\n\n\n<h2 id=\"\u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938-\u0914\u0930-\u092b\u093f\u0928\u091f\u0947\u0915-\u0936\u0947\u092f\u0930\u094b\u0902-\u092e\u0947\u0902-\u092d\u093e\u0930\u0940-\u0917\u093f\u0930\u093e\u0935\u091f\" class=\"wp-block-heading\">\u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0914\u0930 \u092b\u093f\u0928\u091f\u0947\u0915 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0928\u093f\u092f\u093e\u092e\u0915 \u0915\u0940 \u0938\u0916\u094d\u0924\u0940 \u0915\u0940 \u092d\u0928\u0915 \u0932\u0917\u0924\u0947 \u0939\u0940 \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0914\u0930 \u092a\u0949\u0932\u093f\u0938\u0940 \u092c\u0947\u091a\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e\u094d\u0938 \u0915\u0947 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u091c\u094b\u0930\u0926\u093e\u0930 \u092c\u093f\u0915\u0935\u093e\u0932\u0940 \u0926\u0947\u0916\u0928\u0947 \u0915\u094b \u092e\u093f\u0932\u0940\u0964<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PB Fintech (\u092a\u0949\u0932\u093f\u0938\u0940\u092c\u093e\u091c\u093e\u0930 \u0915\u0940 \u092a\u0948\u0930\u0947\u0902\u091f \u0915\u0902\u092a\u0928\u0940):<\/strong> \u0907\u0938 \u0936\u0947\u092f\u0930 \u092a\u0930 \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0905\u0938\u0930 \u0926\u093f\u0916\u093e\u0964 <strong>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f<\/strong> \u0915\u0940 \u0916\u092c\u0930 \u0915\u0947 \u092c\u093e\u0926 \u092f\u0939 \u0936\u0947\u092f\u0930 \u0932\u0917\u092d\u0917 34% \u0924\u0915 \u0917\u093f\u0930\u0915\u0930 \u20b91,244.50 \u0915\u0947 \u0905\u092a\u0928\u0947 52-\u0939\u092b\u094d\u0924\u0947 \u0915\u0947 \u0928\u093f\u091a\u0932\u0947 \u0938\u094d\u0924\u0930 \u092a\u0930 \u092a\u0939\u0941\u0902\u091a \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/maxfinancialservices.com\/\" target=\"_blank\" rel=\"noopener\">Max Financial Services<\/a>:<\/strong> \u0907\u0938 \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u0932\u0917\u092d\u0917 12.98% \u0915\u0940 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0930\u094d\u091c \u0915\u0940 \u0917\u0908\u0964<\/li>\n\n\n\n<li><strong>HDFC Life \u0914\u0930 ICICI Prudential:<\/strong> \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 \u0932\u093e\u0907\u092b \u0915\u093e \u0936\u0947\u092f\u0930 8.46% \u0914\u0930 \u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 \u092a\u094d\u0930\u0942\u0921\u0947\u0902\u0936\u093f\u092f\u0932 \u0932\u093e\u0907\u092b \u0915\u093e \u0936\u0947\u092f\u0930 8.08% \u0924\u0915 \u0928\u0940\u091a\u0947 \u0906 \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0928\u094d\u092f \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902:<\/strong> \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0938\u094d\u091f\u093e\u0930 \u0939\u0947\u0932\u094d\u0925 (Star Health) \u092e\u0947\u0902 6.59%, \u090f\u0938\u092c\u0940\u0906\u0908 \u0932\u093e\u0907\u092b (SBI Life) \u092e\u0947\u0902 3.41%, \u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 \u0932\u094b\u092e\u094d\u092c\u093e\u0930\u094d\u0921 (ICICI Lombard) \u092e\u0947\u0902 2.33% \u0914\u0930 \u0926\u0947\u0936 \u0915\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u0940 \u090f\u0932\u0906\u0908\u0938\u0940 (LIC) \u0915\u0947 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u0940 2.21% \u0915\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0947\u0916\u0940 \u0917\u0908\u0964<\/li>\n<\/ul>\n\n\n\n<h2 id=\"\u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902-\u0915\u0947-\u0932\u093f\u090f-\u0907\u0938\u0915\u093e-\u0915\u094d\u092f\u093e-\u092e\u0924\u0932\u092c-\u0939\u0948\" class=\"wp-block-heading\">\u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u0915\u093e \u0915\u094d\u092f\u093e \u092e\u0924\u0932\u092c \u0939\u0948?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0915\u0940 \u0907\u0938 \u091a\u0947\u0924\u093e\u0935\u0928\u0940 \u0914\u0930 \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u0915\u0947 \u0939\u093e\u0932\u093f\u092f\u093e \u0930\u0941\u091d\u093e\u0928 \u0938\u0947 \u090f\u0915 \u0938\u094d\u092a\u0937\u094d\u091f \u0938\u0902\u0926\u0947\u0936 \u092e\u093f\u0932\u0924\u093e \u0939\u0948 \u0915\u093f \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 (Regulatory Environment) \u0915\u094b \u0928\u091c\u0930\u0905\u0902\u0926\u093e\u091c \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u092b\u093f\u0928\u091f\u0947\u0915 \u0938\u0947\u0915\u094d\u091f\u0930 \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u093e\u0930 \u0907\u0928\u094b\u0935\u0947\u0936\u0928 \u0939\u094b \u0930\u0939\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0938\u0947\u0915\u094d\u091f\u0930 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u0947\u092c\u0940 (SEBI), \u0906\u0930\u092c\u0940\u0906\u0908 (RBI) \u0914\u0930 \u0907\u0930\u0921\u093e (IRDAI) \u091c\u0948\u0938\u0947 \u0928\u093f\u092f\u093e\u092e\u0915\u094b\u0902 \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u092d\u0940 \u0928\u093f\u092f\u093e\u092e\u0915 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0939\u093f\u0924 \u092e\u0947\u0902 \u0915\u092e\u0940\u0936\u0928 \u0915\u0948\u092a\u093f\u0902\u0917 (Commission Capping) \u092f\u093e \u092b\u0940\u0938 \u0915\u092e \u0915\u0930\u0928\u0947 \u091c\u0948\u0938\u0947 \u0915\u0926\u092e \u0909\u0920\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0907\u0938\u0915\u093e \u0938\u0940\u0927\u093e \u0905\u0938\u0930 \u0907\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u092e\u0941\u0928\u093e\u092b\u0947 (Profit Margins) \u092a\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f, \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u0936\u0947\u092f\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092f\u0939 \u091c\u0930\u0942\u0930 \u0926\u0947\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0915\u093f \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u092c\u0926\u0932 \u0938\u0915\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0930\u0915\u093e\u0930\u0940 \u0928\u093f\u092f\u092e \u0909\u0938 \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u094b \u0915\u093f\u0938 \u0924\u0930\u0939 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/newsm.in\/ro\/instamart-delivery-partner-kaise-bane-apply-salary\/\"><strong>Instamart Delivery Partner Kaise Bane 2026: Swiggy Instamart \u092e\u0947\u0902 \u0921\u093f\u0932\u0940\u0935\u0930\u0940 \u091c\u0949\u092c \u0915\u0947 \u0932\u093f\u090f Apply, Earning \u0914\u0930 Complete Process<\/strong><\/a><\/p>\n\n\n\n<h2 id=\"\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\" class=\"wp-block-heading\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0915\u0941\u0932 \u092e\u093f\u0932\u093e\u0915\u0930, <strong>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f<\/strong> \u0928\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092e\u0947\u0902 \u090f\u0915 \u092c\u0921\u093c\u0947 \u092c\u0926\u0932\u093e\u0935 \u0915\u0940 \u0928\u0940\u0902\u0935 \u0930\u0916 \u0926\u0940 \u0939\u0948\u0964 \u091c\u0939\u093e\u0902 \u090f\u0915 \u0913\u0930 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0938\u0938\u094d\u0924\u0947 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0914\u0930 \u0915\u092e \u092e\u093f\u0938-\u0938\u0947\u0932\u093f\u0902\u0917 (Mis-selling) \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u092e\u093f\u0932\u0928\u0947 \u0915\u0940 \u0909\u092e\u094d\u092e\u0940\u0926 \u0939\u0948, \u0935\u0939\u0940\u0902 \u0926\u0942\u0938\u0930\u0940 \u0913\u0930 \u092b\u093f\u0928\u091f\u0947\u0915 \u0914\u0930 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u092e\u0941\u0928\u093e\u092b\u0947 \u092a\u0930 \u0938\u0940\u0927\u093e \u092a\u094d\u0930\u0939\u093e\u0930 \u0939\u0948\u0964 \u091c\u0940\u0930\u094b\u0927\u093e \u092b\u093e\u0909\u0902\u0921\u0930 \u0928\u093f\u0924\u093f\u0928 \u0915\u093e\u092e\u0925 \u0915\u0940 \u091a\u0947\u0924\u093e\u0935\u0928\u0940 \u0907\u0938 \u092c\u093e\u0924 \u0915\u094b \u092a\u0941\u0916\u094d\u0924\u093e \u0915\u0930\u0924\u0940 \u0939\u0948 \u0915\u093f \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0947\u0921 \u0938\u0947\u0915\u094d\u091f\u0930\u094d\u0938 \u092e\u0947\u0902 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u094b \u0939\u092e\u0947\u0936\u093e \u0915\u093f\u0938\u0940 \u092c\u0921\u093c\u0947 \u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u092c\u0926\u0932\u093e\u0935 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0930\u0939\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u092d\u0940 \u0905\u092a\u0928\u093e \u092a\u0948\u0938\u093e \u0932\u0917\u093e\u0924\u0947 \u0938\u092e\u092f \u0907\u0938 &#8216;\u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u0930\u093f\u0938\u094d\u0915&#8217; \u0915\u094b \u0905\u092a\u0928\u0947 \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>","protected":false},"excerpt":{"rendered":"<p>IRDAI \u0921\u094d\u0930\u093e\u092b\u094d\u091f (IRDAI Draft) \u0915\u094b \u0932\u0947\u0915\u0930 \u0906\u090f \u0928\u090f \u0915\u0902\u0938\u0932\u094d\u091f\u0947\u0936\u0928 \u092a\u0947\u092a\u0930 \u0928\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0939\u0932\u091a\u0932 \u092e\u091a\u093e \u0926\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0940\u092e\u093e \u0928\u093f\u092f\u093e\u092e\u0915 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 (IRDAI) \u0926\u094d\u0935\u093e\u0930\u093e \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u0936\u0928 \u0914\u0930 \u0915\u092e\u0940\u0936\u0928 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u0947 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0915\u0947 \u092c\u093e\u0926 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0914\u0930 \u0907\u0938\u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u092b\u093f\u0928\u091f\u0947\u0915 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u093e\u0930\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0930\u094d\u091c \u0915\u0940 \u0917\u0908 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8060,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[15],"tags":[551,550,545,549,547,543,542,546,548,544],"class_list":["post-8059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-insurance-stocks","tag-irdai-draft","tag-irdai-","tag-nithin-kamath","tag-pb-fintech","tag-543","tag-542","tag-546","tag-548","tag-544"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/newsm.in\/wp-content\/uploads\/2026\/09\/irdai-draft-insurance-shares-nithin-kamath.png","_links":{"self":[{"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/posts\/8059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/comments?post=8059"}],"version-history":[{"count":0,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/posts\/8059\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/media\/8060"}],"wp:attachment":[{"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/media?parent=8059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/categories?post=8059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsm.in\/ro\/wp-json\/wp\/v2\/tags?post=8059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}