September quarter mein insurance companies ne stock market mein paisa daalna kaafi kam kar diya hai. Investment ka figure June ke **₹18,087 Crore** se girkar **₹8,013 Crore** par aa gaya hai, kyunki ye companies ab safety aur bonds par focus kar rahi hain.
Equity se doori kyun bana rahe hain Insurers?
Market mein halchal badhte hi insurance companies defensive mode mein aa gayi hain. Irada saaf hai—capital bachana. IRDAI ke naye rules ke hisaab se, har insurer ko 150% ka solvency margin maintain karna zaroori hai. Jab market girta hai, toh equity portfolio ki value kam ho jaati hai, jisse company ka solvency ratio pressure mein aa jaata hai. Isse bachne ke liye choti insurance companies ne stock market se haath kheench liye hain.
Bonds bane nayi pasand
Ek taraf jahan stocks mein volatility hai, wahi doosri taraf bond market mein acche returns mil rahe hain. Government securities aur corporate bonds mein ab investors ko 'guaranteed' returns mil rahe hain. Sabse badi baat ye hai ki bonds ki accounting cost price par hoti hai, jisse roz-roz ki market ki girawat ka portfolio par koi asar nahi padta.
Traders ke liye kya hai message?
Insurance companies market mein badi liquidity laati hain. Agar inka buying flow kam rehta hai, toh market mein tezi lana mushkil ho sakta hai. Filhal, ye ek tactical move lag raha hai. Jaise hi market ki volatility kam hogi ya bond yields stable honge, hume phir se insurance companies ka action stock market mein dikh sakta hai. Tab tak, companies ke quarterly results mein unka solvency ratio zaroor check karte rahiye.