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Core Purpose

The Central Government hereby makes the Indian Insurance Companies (Foreign Investment) Amendment Rules, 2025, to further amend the Indian Insurance Companies (Foreign Investment) Rules, 2015.

Detailed Summary

The Ministry of Finance (Department of Financial Services) has issued Notification G.S.R. 928(E) dated December 30, 2025, enacting the Indian Insurance Companies (Foreign Investment) Amendment Rules, 2025. These rules, which come into force on their publication date in the Official Gazette, amend the Indian Insurance Companies (Foreign Investment) Rules, 2015. The amendment follows public consultation on the draft rules, G.S.R. 591(E) dated August 29, 2025, with suggestions and objections duly considered by the Central Government. The changes are made under the powers conferred by clause (aaa) of sub-section (2) of section 114 read with sub-clause (b) of clause (7A) of section 2 of the Insurance Act, 1938 (4 of 1938). Key amendments include: in Rule 2, the definition of "Foreign Direct Investment" (FDI) is substituted to align with the Foreign Exchange Management (Non-debt Instruments) Rules, 2019, and to explicitly include investments by Foreign Venture Capital Investors (FVCI); references to "FEMA Regulation 2000" in clauses (g) and (h) are replaced with "the Foreign Exchange Management (Non-debt Instruments) Rules, 2019"; and clause (n) is omitted. In Rule 3, "Total Foreign Investment" is replaced with "Foreign Direct Investment," and the foreign investment limit is changed from "seventy-four percent" to "such per cent. of the paid up equity capital... as stipulated by the Insurance Act, 1938 (4 of 1938)." Rule 4 is substituted to mandate that at least one among the Chief Executive Officer, managing director, and chairperson of the Board in an Indian Insurance Company with foreign investment must be a Resident Indian Citizen. Rule 4A is omitted. In Rule 5, the "seventy-four per cent" limit for total paid-up equity is replaced with "such per cent. of the total paid-up equity... as provided under the Insurance Act, 1938 (4 of 1938)." In Rule 7, references to specific sub-regulations of FEMA Regulations, 2000, are replaced with "the Foreign Exchange Management (Non-debt Instruments) Rules, 2019." In Rule 9, sub-rule (3), clauses (iii), (v), and (vii) are omitted. The original 2015 Rules were previously amended by G.S.R. 534(E) dated July 3, 2015, G.S.R. 314(E) dated March 16, 2016, G.S.R. 619(E) dated September 2, 2019, and G.S.R. 337(E) dated May 19, 2021.

Full Text

REGD. No. D. L.-33004/99 The Gazette of India CG-DL-E-30122025-268929 EXTRAORDINARY PART II-Section 3-Sub-section (i) PUBLISHED BY AUTHORITY NEW DELHI, TUESDAY, DECEMBER 30, 2025/PAUSHA 9, 1947 MINISTRY OF FINANCE (Department of Financial Services) NOTIFICATION New Delhi, the 30th December, 2025. G.S.R. 928(E).—Whereas the draft of the Indian Insurance Companies (Foreign Investment) Amendment Rules, 2025 was published in the Gazette of India, Extraordinary, Part II, Section 3, Sub-section (i) vide number G.S.R.591(E), dated the 29th August, 2025, inviting suggestions or objections from all persons likely to be affected thereby; and notice was given that the said draft rules would be taken into consideration after the expiry of a period of fifteen days from the date on which the copies of the Gazette notification are made available to the public; And whereas, the copies of the said Gazette notification were made available to the public on the 29th August, 2025; And whereas, the suggestions or objections received in response to the above mentioned draft rules have been duly considered by the Central Government; Now, therefore, in exercise of the powers conferred by clause (aaa) of sub-section (2) of section 114 read with sub-clause (b) of clause (7A) of section 2 of the Insurance Act, 1938 (4 of 1938), the Central Government hereby makes the following rules further to amend the Indian Insurance Companies (Foreign Investment) Rules, 2015, namely: 1. Short title and commencement. (1) These rules may be called the Indian Insurance Companies (Foreign Investment) Amendment Rules, 2025. (2) They shall come into force on the date of their publication in the Official Gazette. 2. In the Indian Insurance Companies (Foreign Investment) Rules, 2015 (hereinafter referred to as the said rules), in rule 2, in sub-rule (1), (i) for clause (f), the following clause shall be substituted, namely: — '(f) "Foreign Direct Investment” (FDI) means the investment by non-resident entities or persons resident outside India and other eligible entities in the equity shares of an Indian Insurance Company under the Foreign Exchange Management (Non-debt Instruments) Rules, 2019: Provided that for the purposes of these rules, Foreign Direct Investment shall include investment by Foreign Venture Capital Investors (FVCI) as permissible under the Foreign Exchange Management (Non-debt Instruments) Rules, 2019;'; (ii) in clause (g), for the letters, word and figures "FEMA Regulation 2000", the words, brackets and figures “the Foreign Exchange Management (Non-debt Instruments) Rules, 2019" shall be substituted; (iii) in clause (h), for the words, brackets, figures and letters “sub-regulations (2), (2A), (3) and (8) of regulation of FEMA Regulations, 2000", the words, brackets and figures “the Foreign Exchange Management (Non-debt Instruments) Rules, 2019" shall be substituted; (iv) clause (n) shall be omitted. 3. In the said rules, in rule 3, (a) for the words "Total Foreign Investment", the words “Foreign Direct Investment” shall be substituted; (b) for the words "to exceed seventy-four percent of the paid- up equity capital of such Indian Insurance Company", the words, figures and brackets “to exceed such per cent. of the paid up equity capital of such Indian Insurance Company as stipulated by the Insurance Act, 1938 (4 of 1938)" shall be substituted. 4. In the said rules, for rule 4, the following rule shall be substituted, namely: "4. In an Indian Insurance Company having foreign Investment, at least one amongst the Chief Executive Officer, managing director and chairperson of its Board, shall be Resident Indian Citizens.". 5. In the said rules, rule 4A shall be omitted. 6. In the said rules, in rule 5, for the words "seventy-four per cent of the total paid-up equity of the Indian Insurance Company”, the words, figures and brackets “such per cent. of the total paid-up equity of the Indian Insurance Company as provided under the Insurance Act, 1938 (4 of 1938)” shall be substituted. 7. In the said rules, in rule 7, for the words, brackets, figures and letters “sub-regulations (2), (2A), (3) and (8) of regulation 5 of FEMA Regulations, 2000 and", the words, brackets and figures "the Foreign Exchange Management (Non-debt Instruments) Rules, 2019" shall be substituted. 8. In the said rules, in rule 9, in sub-rule (3), clauses (iii), (v) and (vii) shall be omitted. [F. No. 13011/19/2013-lns.II] SHALINI PANDIT, Jt. Secy. Note: The Indian Insurance Companies (Foreign Investment) Rules, 2015 were published in the Gazette of India, Extraordinary, Part II, Section 3, Sub-section (i) vide notification number G.S.R. 115(E), dated the 19th February, 2015 and were subsequently amended by notification numbers G.S.R. 534(E), dated the 3rd July, 2015, G.S.R. 314(E), dated the 16th March, 2016, G.S.R. 619(E), dated the 2nd September, 2019 and G.S.R. 337(E), dated the 19th May, 2021.

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