#Policybazaar

[chhavi09]

Sanjeev Bikhchandani: The Entrepreneur Behind Info Edge

From job seeker to job creator! 💼 Sanjeev Bikhchandani, founder of Info Edge (Naukri.com, Jeevansathi.com), turned challenges into billion-dollar ventures. 🇮🇳💻 A true pioneer of India’s internet revolution. 🚀

[secretstalks]

Policybazaar growth strategy and financial results

PB Fintech, the parent company of Policybazaar, reported robust financial performance for the April–June 2024 quarter. The company's revenue surged 52% year-on-year to Rs 1,010 crore, a notable increase from the previous year. Additionally, PB Fintech achieved a net profit of Rs 60 crore, reversing a loss of Rs 12 crore from the same period last year.

Despite the profit, PB Fintech opted to reinvest Rs 25 crore into its core online insurance business, aiming to enhance its capacity for growth. CEO Yashish Dahiya likened the company's growth phase to that of a child's, emphasizing the importance of not curbing growth investments. This strategic choice meant the company could have posted a higher net profit of Rs 90 crore but chose to prioritize expansion.

The company experienced a significant 61% year-on-year increase in total insurance premiums, reaching Rs 4,871 crore. This growth was primarily driven by strong performances in the health and life insurance segments. New premiums are growing at an impressive rate of 78%, double that of renewals.

However, the quarter saw a sequential revenue decline of 7.5% compared to January–March 2024, which Dahiya attributed to a seasonal uptick in health insurance purchases or renewals before the fiscal year-end.

In terms of expenses, employee benefits rose by 18% to Rs 455 crore, and advertising and promotional spending increased by 23% to Rs 245 crore. This rise in expenditure follows a period in FY24 when the company had reduced advertising costs to focus on profitability.

Policybazaar's impact is substantial, representing 15-20% of insurance claims submitted to healthcare facilities. The company plans to leverage this scale by establishing direct relationships with hospitals and is set to introduce a new product, although specifics were not disclosed. Dahiya highlighted a shift towards valuing customers based on their lifetime value, starting with their insurance premiums.

In addition to Policybazaar, PB Fintech operates Paisabazaar, a lending platform. Paisabazaar's business grew by 8% during the quarter, which was below the projected 10% growth. The platform facilitated loan disbursements of Rs 3,100 crore, marking a 25% decline from the peak of Rs 4,139 crore recorded in the previous year. Paisabazaar is focusing on improving its secured lending segment, such as home loans and loans against property, though progress has been slow.

PB Fintech also wrote off Rs 44 crore related to its investment in MyLoanCare, an NBFC previously linked with Paisabazaar. Dahiya admitted that the company had overextended by acquiring a 70% stake in MyLoanCare, suggesting that a stake of 22-35% would have been more appropriate.

Looking ahead, PB Fintech will not distribute cash to shareholders via dividends or buybacks until March 2026, despite having cash reserves exceeding Rs 5,200 crore. The company also announced the appointment of Dhruv Shringi as an independent board director. Shringi, the founder and CEO of Yatra, previously worked with Dahiya at Ebookers.

Following the earnings announcement, PB Fintech’s shares rose 8%, reaching a new 52-week high of Rs 1,552 on August 7.

READ MORE

[rgmuskan]

Yashish Dahiya: Pioneering The Digital Frontier In Insurance With PolicyBazaar

Yashish Dahiya is a business leader from India and the co-founder of PolicyBazaar, an important website for comparing and buying insurance online in India. He was born on March 4, 1974, and is known for using technology to make buying insurance easier. Yashish has been associated with various startups and organizations throughout his career. Before co-founding PolicyBazaar, he worked with companies like Bain & Company, where he gained valuable experience in consulting.

To Read More About Yashish Dahiya Visit Nishant Verma website.

[newsologys]

Siddharth Mehta Bay Capital founder says PB Fintech changed the way Indian insurers buy insurance

[tanupamadigitalagency]

Two Wheeler Insurance Renewal Near Nashik

Renew your Two wheeler insurance near Nashik with Galaxy Wheels! Get the best coverage for your bike and ride worry-free on the roads of Nashik.

[beemawala]

Private Car Insurance provides coverage for vehicles against various risks, including accidental damage, theft, and third-party liabilities. It offers financial protection to car owners in case of unfortunate incidents, helping them manage repair costs, legal expenses, and damages to third parties. Having Private Car Insurance is mandatory in India as per the Motor Vehicles Act, ensuring responsible driving and safeguarding both car owners and third parties from potential financial burdens.

[thebrewnews]

Arabia Insurance and Policybazaar.ae announce strategic partnership

Arabia Insurance and Policybazaar.ae have formed a strategic partnership to enhance insurance services in the region. This collaboration aims to provide customers with improved access to a wide range of insurance products through Policybazaar.ae’s digital platform, combined with the extensive expertise of Arabia Insurance. The partnership seeks to streamline the insurance purchasing process, offering greater convenience and choice to customers, and reinforcing both companies' commitment to innovation and customer satisfaction in the insurance industry.

[naukrisambad]

The Comprehensive Guide to 1 Crore Health Insurance

The Comprehensive Guide to 1 Crore Health Insurance: Complete Coverage for Your Peace of Mind: In today’s uncertain world, ensuring adequate health coverage is paramount for safeguarding yourself and your loved ones against unexpected medical expenses. 1 Crore Health Insurance is gaining popularity as a comprehensive solution that offers extensive coverage and financial security. In this guide,…

[squareinsurancewale]

What Does an Insurance POS Do?

The insurance industry in India has seen many changes in recent years. One such change is the introduction of insurance POS, also known as Point of Sales Person. If you have heard this term and are wondering what exactly an insurance POS does, you are in the right place.

This blog will explain the role of an insurance POS in simple language, how it differs from a regular insurance agent, and how to become insurance agent as an insurance POS. Let’s get started.

What Is an Insurance POS?

An insurance POS (Point of Sales Person) is someone who is authorized to sell basic insurance products directly to customers. These products are usually simple and easy to understand, like motor insurance, health insurance, personal accident insurance, and term life insurance.

The Insurance Regulatory and Development Authority of India (IRDAI) introduced this concept to make insurance more accessible to people. The goal is to help more individuals buy insurance through a trusted and trained person—without the need to visit a physical office.

What Does an Insurance POS Do?

An insurance POS has several important responsibilities. Here are the main things they do:

1. Help Customers Choose the Right Insurance Policy

The first job of an insurance POS is to understand the customer’s needs and guide them toward the right insurance plan. Whether it’s health insurance for a family or a motor policy for a new car, the POS person makes sure the customer knows what they are buying.

2. Explain the Insurance Product Clearly

Since most customers do not have much knowledge about insurance, it is the job of the insurance POS to explain the product in simple terms. This includes details like:

What is covered in the policy

What is not covered

The policy period

The premium amount

The claim process

3. Assist in Filling Forms and Submitting Documents

The insurance POS helps the customer fill out application forms and upload or submit necessary documents. With the help of digital platforms, much of this process is now online, making it fast and easy.

4. Use Digital Tools to Sell Insurance

One of the key differences between a traditional insurance agent and a POS is the use of digital platforms. Most insurance POS persons are trained to use mobile apps or web portals provided by insurance companies. This helps in issuing policies quickly and with fewer errors.

5. Stay Updated with Product Knowledge

An insurance POS must stay updated with changes in insurance products. They may also get new training when insurance companies launch new plans or features.

Insurance POS vs Insurance Agent: What’s the Difference?

Many people confuse an insurance POS with a regular insurance agent. While both sell insurance, there are some important differences:

Feature

Insurance POS

Insurance Agent

Products Sold

Basic/simple insurance products

Wide range of insurance products

Training Required

15 hours of IRDAI-approved training

50+ hours depending on product and role

Licensing

Limited to specific product types

Broader license across many categories

Digital Process

Mostly online and app-based

Mix of online and offline

Who Can Become One

Anyone who completes training

Needs to meet specific eligibility

If you’re looking to become agent in the insurance field with a simpler entry path, becoming an insurance POS is a great option.

How to Become an Insurance POS

Now that you know what an insurance POS does, let’s look at how you can become agent as a POS person.

Step 1: Choose an Insurance Company or Aggregator

You can become an insurance POS through an insurance company or a registered online aggregator like PolicyBazaar, Digit, or others. Choose a company you trust and that provides good training and support.

Step 2: Complete the Required Training

As per IRDAI rules, you need to complete a 15-hour training program. This training covers:

Basics of insurance

Types of products you can sell

How to use digital tools

How to handle customer queries

Rules and regulations

The training is usually available online, so you can do it from home.

Step 3: Pass the Assessment

After completing the training, you will have to take a simple online test. Once you pass, you are officially certified as an insurance POS.

Step 4: Start Selling Insurance

After certification, you will get login access to the insurance company’s portal. From there, you can start selling insurance to your friends, family, and network.

Who Can Become an Insurance POS?

Almost anyone can become an insurance POS. You do not need a college degree or special background. However, you should:

Be at least 18 years old

Have passed Class 10 (matriculation)

Be comfortable using a smartphone or computer

Be willing to talk to people and explain products

This makes it a great career option for homemakers, students, retirees, or anyone looking for extra income.

Benefits of Becoming an Insurance POS

There are many reasons why becoming an insurance POS is a smart choice:

1. Low Entry Barrier

You don’t need much investment, and the training is short. It’s an easy way to become agent and start working.

2. Work from Anywhere

You can sell policies online from your phone or laptop. There’s no need to rent an office or travel a lot.

3. Flexible Hours

You can work part-time or full-time, depending on your schedule. This is great for people who want to earn money while managing other responsibilities.

4. Earn Commissions

For every policy you sell, you earn a commission. The more you sell, the more you earn.

Final Thoughts

An insurance POS plays a key role in helping people buy insurance in a simple, stress-free way. If you're looking to become insurance agent in the insurance field but want a quick and flexible way to start, becoming an insurance POS could be the perfect choice.

It’s a job that requires basic training, helps you earn a good income, and allows you to work on your own terms. Whether you're just starting your career or looking for a side income, this is a great opportunity to explore.

Interested in becoming an insurance POS? Do your research, sign up for training, and take the first step today.

[breakingnews360official]

How Policybazaar Is Revolutionizing Bike Insurance Comparisons and Renewals Through Digital Innovation

For many, the topic of insurance doesn’t typically inspire enthusiasm. The myriad of confusing options, the endless paperwork, and the persistent outreach from agents have historically made securing bike insurance a frustrating task. However, a significant change is underway, largely thanks to advancements in digital solutions. Transforming Bike Insurance Comparison and Renewals Digitally In…

[affiliateprogramsinindia]

Best Affiliate Programs in Gurgaon to Join and Earn in 2025

Affiliate marketing has emerged in recent years as a highly effective method for generating passive income online. With India's digital economy booming and Gurgaon emerging as a leading tech and startup hub, the city offers exciting opportunities for affiliate marketers. Whether you're a content creator, blogger, influencer, or just someone looking to monetize your digital presence, there are several affiliate programs in Gurgaon that can help you earn in 2025.

In this article, we’ll explore the best affiliate programs in Gurgaon to join and earn in 2025, why you should focus on local affiliate options, and how to make the most out of them.

What is Affiliate Marketing and How It Works

Affiliate marketing is a performance-based marketing strategy where you promote a company’s products or services and earn a commission for each sale, lead, or click generated through your unique affiliate link.

Here’s how it works:

You join an affiliate program.

You receive a unique tracking link.

You promote the link via your blog, social media, or other channels.

You earn a commission when someone takes action using your link.

This model is appealing because it doesn’t require you to create your own product — just promote and profit.

Why Choose Gurgaon-Based Affiliate Programs?

While global affiliate programs are popular, Gurgaon-based affiliate programs come with specific advantages:

Local Relevance: You can promote brands that your audience in Gurgaon already knows and trusts.

Easier Collaboration: Many local brands offer better communication, faster approvals, and custom campaigns.

Networking Opportunities: Proximity to marketing agencies, startups, and influencers can open doors to exclusive deals.

Better Conversion Rates: Local campaigns often resonate better with region-specific audiences.

Key Features to Look for in an Affiliate Program

Before joining any affiliate program, check for the following features:

Attractive Commissions: Look for programs that offer competitive rates (fixed or percentage-based).

Reliable Tracking and Timely Payouts: Make sure the platform uses trusted tracking software and pays regularly.

Marketing Resources: Banners, email templates, and support can boost your performance.

Product Demand in Gurgaon: Ensure the products or services are in demand locally.

Best Affiliate Programs in Gurgaon to Join in 2025

Here are some of the best affiliate programs in Gurgaon worth exploring this year:

1. Adsplay International

Overview: A Gurgaon-based affiliate network that offers a wide variety of campaigns including CPL (Cost Per Lead), CPA (Cost Per Action), and CPI (Cost Per Install).

Why it’s great: Local support team, fast payments, and exclusive Indian offers.

Best for: New affiliates, bloggers, YouTubers, and WhatsApp marketers targeting Indian consumers.

2. Droom Affiliate Program

Overview: Droom is a top online automobile marketplace based in Gurgaon.

What’s offered: Earn commissions on car listings, insurance sales, and service packages.

Why it stands out: High-ticket commissions and a trusted brand name in auto sales.

3. PolicyBazaar Affiliate Program

Overview: A top insurance and financial services aggregator that began operations in Gurgaon.

Highlights: Competitive commissions for insurance leads, loans, and credit card applications.

Benefits: Trusted in Indian households, excellent brand recall, and regional promotions.

4. UrbanClap (Urban Company) Partner Program

Overview: Home services giant with strong operations in Gurgaon.

How it works: Affiliates can promote services like home cleaning, salon-at-home, AC repairs, etc.

Why join: High demand for these services in Gurgaon, ideal for lifestyle bloggers or neighborhood WhatsApp groups.

5. Amazon Associates India (Local Focus)

Overview: While not based in Gurgaon, Amazon India allows you to promote products regionally.

Tip: Curate Gurgaon-centric shopping guides, like “Best Diwali Gifts for Gurgaon Residents” or “Top Home Appliances for Gurgaon Summers”.

Earning potential: Moderate commissions, but massive product variety.

6. Local Fashion & Beauty Brands

Examples: Look for Gurgaon-based fashion startups or Instagram boutiques.

Approach: Reach out directly or use platforms like Brandly Global to find campaigns.

Why it works: Fashion and beauty niches are high-converting with the right audience.

Top Strategies for Affiliate Marketing Success in Gurgaon

Local SEO is Key: Use keywords like “best products in Gurgaon,” “services near me,” etc., to attract local traffic.

Promote on WhatsApp & Telegram Groups: Gurgaon has several community groups where product recommendations spread quickly.

Collaborate with Micro-Influencers: Leverage local personalities to build trust and amplify your message.

Use Local Languages: Create content in Hindi or Hinglish to connect better with a broader audience.

Track & Optimize: Use tools like Google Analytics and affiliate dashboards to see what’s working and tweak accordingly.

Future of Affiliate Marketing in Gurgaon

By 2025, affiliate marketing in Gurgaon is projected to shift toward a more localized approach, driven heavily by data insights. As more businesses adopt affiliate models, competition among programs will increase, giving affiliates better terms and flexibility. Additionally:

Influencer marketing will merge with affiliate campaigns.

AI-based tools will help affiliates predict trends and automate promotions.

Regional affiliate networks will offer hyperlocal deals and faster growth potential.

Conclusion

Gurgaon’s booming digital ecosystem presents an exciting opportunity for anyone looking to earn online through affiliate marketing. By choosing the right programs and tailoring your strategy to a local audience, you can unlock consistent income in 2025 and beyond.

Whether you’re starting out or already familiar with affiliate marketing, begin by exploring these best affiliate programs in Gurgaon. Try a few, analyze your performance, and scale the ones that work best for your niche.

Read More:- Best Affiliate Programs in India for Digital Marketers

[techit-rp]

Decoding India’s Startup IPO Boom: Opportunities and Risks for Retail Investors

India’s startup ecosystem is booming—and so is its IPO pipeline. With unicorns and high-growth startups eyeing public markets, retail investors are presented with exciting, yet risky, opportunities. Companies like Swiggy, OYO, and PharmEasy are preparing to go public, and investors are eager to get in on the action. But as we’ve seen in the past, not every IPO turns into a long-term success story.

In this fast-changing landscape, the need for financial knowledge is more urgent than ever. Whether you're an aspiring analyst or an active investor, enrolling in a professional investment banking course in Kolkata can help you decode IPOs with clarity, confidence, and competence.

The Rise of Startup IPOs in India

India is currently home to over 100 unicorns, and many of them are racing toward public listings to unlock value, raise capital, and expand globally. With government initiatives like Startup India and Digital India, the startup scene has become more investor-friendly, and the Indian capital markets are welcoming these young companies with enthusiasm.

In recent years, IPOs from startups like Zomato, Paytm, Nykaa, and Policybazaar have created headlines—and controversies. While some delivered impressive listing gains, others struggled to hold their ground post-IPO, raising concerns about overvaluation and weak financials.

Why Retail Investors Are Eager (and Anxious)

Retail participation in IPOs has skyrocketed thanks to:

Easy access to stock markets via platforms like Zerodha, Upstox, and Groww

Social media hype and influencer-driven investment narratives

The belief that investing early in "India’s next big thing" can lead to massive returns

However, IPOs of startups differ from traditional company listings. Most are in the pre-profit stage, have limited historical financial data, and are driven by future growth potential rather than strong balance sheets. This creates both opportunities and risks.

Opportunities in the Startup IPO Boom

1. Early-Stage Growth Access

IPOs offer the public a chance to invest in innovative businesses that were previously only accessible to venture capitalists or private equity firms.

2. High Liquidity Potential

For companies with strong business models and customer traction, public markets can accelerate growth and create long-term value for investors.

3. Tech-Driven Disruption

Many startups going public are disrupting traditional industries. If timed well, investing in these companies can result in substantial gains.

Risks That Can’t Be Ignored

1. Valuation Volatility

Startup IPOs often carry aggressive valuations based on projected revenues. Without profitability, it becomes difficult to assess intrinsic value.

2. Limited Financial Track Record

Unlike mature companies, startups may have only a few years of financial performance available—making due diligence harder.

3. Post-IPO Underperformance

Paytm’s IPO, one of India’s biggest ever, is a cautionary tale. It listed below issue price and saw significant value erosion post-listing.

4. Regulatory & Market Risks

SEBI’s evolving IPO norms, global interest rate fluctuations, and tech-sector corrections add unpredictability to startup IPOs.

The Role of Financial Education in IPO Analysis

In this environment of hype and uncertainty, retail investors must go beyond headline numbers. Understanding a company’s financials, business model, sector outlook, and regulatory disclosures is essential. This is where investment banking skills come into play.

Why You Should Consider an Investment Banking Course in Kolkata

Kolkata is emerging as a center for financial learning, offering access to top-tier training and growing job markets. Enrolling in an investment banking course in Kolkata can empower you with:

IPO Valuation Techniques: Learn how to analyze DCF (Discounted Cash Flow), Comparable Company Analysis, and Precedent Transactions.

Financial Statement Analysis: Decode income statements, balance sheets, and cash flows with real-world startup examples.

Pitch Book and Deal Structuring: Understand how investment banks help startups go public and how they build pitch decks for IPOs.

Due Diligence & Risk Assessment: Develop the skills to evaluate regulatory filings, management teams, and market timing.

Such a course is ideal for:

Aspiring investment bankers

CFA/CA students

Equity research professionals

Serious retail investors looking to upskill

By gaining these tools, you'll be equipped to make informed decisions, rather than following the crowd.

Real-World Example: Zomato vs. Paytm

Zomato’s IPO in 2021 was backed by a strong customer base and revenue growth, and while it faced some corrections, it stabilized over time.

Paytm, despite its brand value, listed at a much higher valuation and struggled due to unclear revenue streams and intense competition.

A trained investment banker or analyst would spot the difference by evaluating:

Revenue models and scalability

Unit economics

Regulatory risk

Market share and competitive positioning

Final Thoughts: Don’t Follow the Hype—Follow the Numbers

The startup IPO boom in India is exciting and full of potential, but it’s not without risks. For investors, this is a time of both opportunity and caution. For professionals, it's an era that demands deeper financial insight and strategic thinking.

If you want to stay ahead in India’s rapidly evolving financial ecosystem, a professional investment banking course in Kolkata could be your launchpad. With the right skills, you won't just ride the IPO wave—you'll analyze it, understand it, and profit from it.

[news786hz]

Interview with Sajja Praveen Chowdary, Director of Policybazaar for Business

Interview with Sajja Praveen Chowdary, Director of Policybazaar for Business

[10bmnews]

48% Of Indians Underestimate Healthcare Costs, Choose Rs 5 Lakh Coverage: Policybazaar

Last Updated:April 17, 2025, 15:15 IST Policybazaar.com’s report shows 48% of Indians choose health coverage of Rs 5 lakh or less, and 47.6% are unaware of term insurance, highlighting gaps in financial preparedness. Experts suggest a life insurance cover of 15-20 times one’s annual income to ensure financial stability for at least 10 years. Healthcare costs are severely underestimated by many,…

[grotoblogs]

Explore Groto's Design Projects – Where Innovation Meets Impact

Discover Groto's diverse portfolio, featuring impactful projects across AI, SaaS, EdTech, and more. From enhancing AI dubbing UX to optimizing insurance platforms, our work drives results. Learn how our design solutions, including Mockup Generators, elevate user experiences and brand engagement.

Transforming AI Dubbing UX

One of Groto's notable projects involved enhancing the user experience for an AI dubbing platform. The team reimagined the interface to streamline workflows, making the dubbing process more efficient and user-friendly. By integrating advanced design principles and user feedback, Groto delivered a solution that not only improved usability but also increased conversion rates, demonstrating the power of thoughtful design in AI applications.

Optimizing Insurance Shopping with PolicyBazaar

In the FinTech sector, Groto collaborated with PolicyBazaar to optimize its home insurance shopping experience. The redesign focused on simplifying the user journey, reducing friction points, and enhancing the overall aesthetic appeal. The result was a more engaging platform that improved user retention and satisfaction, showcasing Groto's expertise in creating seamless digital experiences in the financial services industry.

Reimagining Meydan's Digital Presence

Groto's work with Meydan, a business consulting firm, involved reimagining its website to reflect a modern and cohesive brand identity. The redesign emphasized clarity, functionality, and visual appeal, aligning the digital presence with Meydan's strategic goals. This project highlighted Groto's ability to translate brand values into compelling digital narratives.

Empowering EdTech with Homeguru

In the education technology space, Groto partnered with Homeguru to transform the learning experience. The mobile app design focused on creating an intuitive interface that facilitated seamless interaction between students and tutors. By prioritizing user needs and incorporating interactive features, Groto helped Homeguru enhance its educational offerings and user engagement.

Leveraging Mockup Generators for Effective Design Presentation

A key component of Groto's design process is the use of mockup generators. These tools allow the team to create realistic visual representations of designs, providing clients with a clear preview of the final product. Mockup generators are instrumental in aligning client expectations, facilitating feedback, and ensuring the design meets the desired objectives. By incorporating mockups into presentations, Groto enhances communication and collaboration with clients, leading to more successful project outcomes.

Conclusion

Groto's diverse portfolio exemplifies its dedication to crafting innovative and effective digital solutions. Through strategic design and thoughtful execution, Groto continues to shape the future of digital experiences across various industries. Whether enhancing AI interfaces, optimizing financial platforms, or transforming educational tools, Groto's work stands as a testament to the impact of user-centered design.