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The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill, 2025

PRS Legislative Research · prsindia.org Free Advanced India

PRS's neutral summary of the 2025 insurance law: foreign investment in Indian insurers raised from 74% to 100%, foreign reinsurers' net owned funds cut from ₹5,000 crore to ₹1,000 crore, and the IRDAI approval threshold for share transfers raised from 1% to 5%.

  • Foreign ownership is no longer the barrier; capital is.
  • The ₹100 crore minimum was removed only for insurance co-operative societies.
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  1. What does it take to start an insurance company in India?

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