India's insurance penetration remained stagnant at 3.7% in FY25, significantly below the global average of 7.3% for 2024. Life insurance penetration saw a slight decrease to 2.7%, while non-life insurance stayed at 1%. Insurance density per capita increased marginally to ₹97, still far behind the global density of ₹943. Despite gradual growth in density since 2016-17, the gap with global levels persists. Regulatory adjustments are anticipated to influence future penetration rates.