The rule change and what it removed
The Government of India, with effect from February 5, 2026, permitted 100% FDI in Indian insurance companies and intermediaries, completing a 25-year liberalisation trajectory that had previously capped foreign ownership at 26%, then 49%, then 74%. The change was enacted through the Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act, 2025.
