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Insure Legally. Operate Transparently.

IRDAI Registration for Insurance Businesses in India

Start Bharat helps you comply with every requirement  from documentation to licensing.

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    OverviewThe Insurance Regulatory and Development Authority of India (IRDAI) regulates all insurance entities — insurers, agents, web aggregators, TPAs, and brokers. Without IRDAI registration, no person or company can legally distribute or underwrite insurance products in India. Start Bharat helps you navigate IRDAI’s layered application system, file documents, meet capital requirements, and gain approval to operate a legally recognized insurance business.

    IRDAI Applications Supported Across Categories
    10 +
    Startup Founders Guided
    10 +
    MCA compliance track record
    0 %

    Who Is This For?Start Bharat’s IRDAI registration service is perfect for entrepreneurs and firms entering India’s insurance sector.

    Businesses Starting Insurance Broking Firms

    Professionals setting up direct, composite, or reinsurance broking companies across health, life, or general lines.

    Companies Launching Life or General Insurance

    Enterprises meeting capital and infrastructure norms to start full-fledged insurance firms under IRDAI guidelines.

    Foreign Firms Entering Indian Insurance Market

    Joint ventures or foreign investors complying with FDI and regulatory approvals to launch operations in India.

    TPAs and Insurance Tech Aggregators

    Entities handling claim processing, benefit administration, or online comparison/aggregation of insurance policies.

    Entrepreneurs Starting Insurance Marketing Firms (IMFs)

    Individuals and small businesses looking to distribute insurance under the IMF model approved by IRDAI.

    Solutions OfferedStart Bharat provides end-to-end support for your IRDAI application — including advisory, compliance, and liaison.

    Benefits IRDAI registration makes your insurance business legal, recognized, and eligible to operate across India.

    Step-by-Step ProcessStart Bharat simplifies your IRDAI journey into four clear and compliant stages:

    Frequently Asked Questions

    We’ve amassed a large number of frequently asked questions (FAQs)

     Anyone wanting to distribute, sell, underwrite, process, or aggregate insurance policies in India must register under IRDAI.

     Includes Insurance Company (life/general), Insurance Broker, Corporate Agent, IMF, Web Aggregator, and TPA.

     Depends on category:

    • Insurer: ₹100 Cr (Life/General), ₹200 Cr (Reinsurance)

    • Broker: ₹50L–₹5Cr

    • Web Aggregator: ₹25L

    IMF: ₹10L

     Typically 60–120 days depending on business type and response to IRDAI queries.

     Yes. Up to 74% FDI is allowed in insurance — subject to IRDAI and RBI guidelines for joint ventures and foreign promoters.

    Usually 3 years. Must be renewed with compliance reports, updated documents, and prescribed fees.

    Get StartedLaunch your insurance business with full regulatory strength.