In September 2026, IRDAI released a consultation paper proposing the Public Insurance Registry (PIR), a digital public infrastructure for insurance that seeks to create a standardized and interoperable data layer for the sector. The PIR is designed to improve financial inclusion, enhance consumer trust, and streamline insurance access through a privacy-centric, consent-based framework. Key highlights include a federated data architecture that minimizes data collection, strong DPDP-aligned privacy safeguards, benefits for a broad range of stakeholders, and a phased implementation model under IRDAI-led governance.