Q1. How can I download an IRDA certificate online?

You can visit the Insurance Institute of India portal to download your IC-38 Exam Passing Certificate and IRDA Agent License from the IRDAI Agency Portal using your PAN number and other mandatory details.

Q2. How to check the IRDA license online?

Visit the IRDAI Agency and click on the PAN Lookup option, enter your 10-digit PAN number, and complete the CAPTCHA. Your license status and details will be fetched from the central database.

Q3. What details are needed to download the IRDA certificate?

Some important details required are PAN Number, URN Number, Date of Birth, registered mobile number (for OTP), and registered email ID.

Q4. How to Download the IRDA Certificate Using PAN Number?

You can visit the IRDAI Agency Portal, where the PAN look-up tab at the right corner can be used to check your license details and download your IRDA Agent Certificate.

Q5. Why is my IRDA certificate not showing on the portal? ‘

The most common reasons are incorrect entry of details, a recent exam or renewal that hasn't been processed yet (wait 3–5 business days), portal downtime, or a data mismatch between your registration and licensing records.

Q6. How do I download my IRDA TCC (Training Completion Certificate)?

Your TCC can be downloaded from the Insurance Institute of India Training Certificate page using your registration details. You need to wait at least 24 hours after completing your training before attempting to download.

Q8. Can I download my renewed IRDA certificate online?

Yes. Once your renewal is processed, your updated IRDA certificate can be downloaded from the IRDAI Agency Portal using your PAN number, following the same steps as the original download.

Q9. What should I do if there is an error in my downloaded IRDA certificate?

Contact your sponsoring insurance company immediately, as they are the intermediary between you and IRDAI for resolving such issues.

Q10. Do I need to reappear for the exam when renewing my IRDA certificate?

No. You do not need to reappear for the IC-38 exam at the time of renewal. Completing 25 hours of refresher training (Continuing Professional Development) during the validity period is required.

Q11. How do I contact IRDAI if I face issues downloading my certificate?

You can reach IRDAI through their official website or raise the concern with your sponsoring insurance company's compliance or agent support team.

How to Download IRDA Certificate Online (Step-by-Step Guide for Insurance Agents)

Q: Q7. How long is the IRDA certificate valid?

An individual insurance agent's IRDA certificate is valid for 3 years from the date of issuance, and for intermediaries such as Insurance Brokers, Corporate Agents, IMFs, Web Aggregators, TPAs, and Surveyors, the certificate/License stays valid indefinitely, subject to annual fee payment and IRDAI compliance.

Komal Bhatt

26 May, 2026

IRDAI

Have you recently passed the IC-38 exam or renewed your insurance licence? The first thing you must do is download your IRDA Certificate.

Downloading the certificate is simple - visit the official website or agency portal, enter your details, and your certificate is ready to download in just a few clicks. However, many people still face issues like login errors, mismatched details, or the portal not responding.

Therefore, in this blog, we will cover the complete and simplified process of how to download IRDA certificate online, check its validity, and a few common errors to avoid while downloading it.

What is an IRDA Certificate?

The IRDA Certificate is a mandatory license that legally authorizes you to sell and advise insurance products in India. It is issued by the Insurance Regulatory and Development Authority of India and is a mandatory requirement for each individual who wants to work as a licensed insurance agent.

Who needs an IRDA Certificate?

An IRDA certificate (or IRDAI license) is a mandatory requirement for anyone who wants to sell or advise on insurance products in India. It is required by Individual Insurance Agents, insurance brokers, corporate agents, insurance companies, and Third-party administrators or surveyors that are involved in claim processing and loss assessment.

Why It Is Important for Insurance Agents?

Getting an IRDA Certificate is important for insurance agents because it:

Gives legal authority to sell insurance products
Helps with onboarding with insurance companies as a licensed insurance agent
Very important to build trust among customers
Acts as proof of completing mandatory training and qualifying for the exam
Is required for licence renewal and verification

Without a valid IRDA certificate, you cannot legally work as an insurance advisor or insurance agent. But, do you know what are the requirements to download your IRDA certificate?

Let’s discuss.

Details Required Before Downloading the IRDA Certificate

Before starting the IRDA certificate download process, keep the following details ready for verification and login purposes:

URN / Registration Number: Your Unique Registration Number assigned during training or exam registration
PAN Card: Your Permanent Account Number (PAN)
Date of Birth: The correct date of birth that matches the official records.
Registered Mobile Number: It is required for OTP Verification.
Email ID: Your registered email for communication or login

Once you have all these details ready, you can download your IRDA certificate online. But how?

Let’s explore the process in detail.

How to Download IRDA Certificate Online: Step-by-step Process

Whether you want to download the IC-38 Passing Certificate, the IRDA Training Completion Certificate (TCC), or the IRDA agent License/ Certificate, there is a simplified step-by-step process to download these documents.

A. How to download the IC-38 Exam Passing Certificate Online?

You can download your IC-38 Examination Passing Certificate directly from the Insurance Institute of India (III) portal, the official body that conducts and records IC-38 exam results.

Step 1: Visit the Official Insurance Institute of India Portal

Go to the Insurance Institute of India Examination Passing Certificate page. This is the official and most reliable portal for downloading your IC-38 passing certificate. Make sure you access the officially verified portal.

Step 2: Enter Your Details

On the page, enter your Registration Number or URN (Unique Reference Number) along with your PAN(Permanent Account Number. These details were shared with you at the time of your exam registration. Once submitted, your candidate profile will be fetched from the system.

Step 3: Download Your Certificate

Once your profile appears, click to generate and save your passing certificate. Keep both a digital copy and a printout, as it is required for your IRDAI licence application and insurer onboarding.

Note: If you need your Training Completion Certificate (TCC), download it separately from the Insurance Institute of India Training Certificate page using the same registration details. Allow at least 24 hours after completing your training before attempting to download.

B. How to download the IRDAI Agent License/Certificate?

Here is a step-by-step process that will help you download your:

IRDA license (after clearing the IC-38 exam)
Renewed IRDA Certificate / License

1. Visit the official IRDAI Agency Portal

First of all, visit the official IRDAI Agency Portal at agencyportal.irdai.gov.in, the centralised public portal maintained by IRDAI for insurance agents to access and manage their licensing details. This is the only government-authorised platform for downloading your IRDA Agent Certificate. Make sure you always access the official portal to save your personal details from risk.

2. Click on PAN Lookup

Once you are on the homepage of the IRDAI Agency Portal, look for the PAN Lookup tab. It is generally visible at the top right corner of the homepage. This allows the portal to fetch your complete agent profile and license details from the central IRDAI database using just your PAN number.

3. Enter your PAN Number and the Security Code

Then, you need to type your 10-digit PAN number correctly and complete the security code (CAPTCHA). Make sure you enter the PAN number exactly as registered during your licensing process.

4. Verify your details and click Download Certificate

Once you enter your PAN details, the portal automatically fetches your other details like:

Name
Date of birth
Agency Code, and any other details from the central database.

Before moving to the next step, carefully verify that all the displayed details are accurate and match your official records. If you notice any discrepancy, contact your sponsoring insurance company immediately to get it corrected.

5. Enter the OTP and download the certificate

Once you verify your details, click Download Certificate, an OTP (One-time-password) is sent to your registered mobile number or email. Enter the OTP to proceed and download your IRDA Certificate.

IRDA Certificate Validity and Renewal Rules

An IRDA certificate (Individual insurance agents) carries a validity period and is required to be renewed to continue as a licensed insurance agent.

Here are the key highlights about the IRDA Certificate’s validity and renewal rules.

3-Year Validity: Every IRDA agent certificate is valid for 3 years from the date of issuance. After this period, you must renew it to continue working legally.
Refresher Training (CPD): To renew your Certificate, there is no need to reappear for the IC-38 exam. Instead, you need to complete 25 hours of refresher training (Continuing Professional Development) during the 3-year validity period and timely apply for renewal of your certificate before it expires.

Note: The certificate validity and renewal rules mentioned above apply to individual insurance agents holding an IC-38 licence. For intermediary entities such as Insurance Brokers, Corporate Agents, IMFs, Web Aggregators, TPAs, and Surveyors, IRDAI has moved to a perpetual registration model (effective 5th February 2026) - meaning their licence no longer expires every 3 years but stays valid indefinitely, subject to annual fee payment and IRDAI compliance.

What Happens If Your IRDA Certificate Expires?

An IRDAI License/Certificate ( Individual insurance agent) expires when it completes the time period of 3 years' validity, provided there is no renewal applied.

The following are the key consequences an agent has to face if the certificate expires:

Loss of Authorization: The agent is no longer legally authorized by IRDAI to sell, solicit, or provide advice on any insurance policies.
Restrictions on New Onboarding: You cannot be onboarded by a new insurance company while your license remains expired.
Loss of Income: Insurance companies stop the commission payouts and deactivate the agent code.
Regulatory Penalties: If an agent practices selling insurance products with an expired license, it may lead to legal and disciplinary action against the agent by the regulatory bodies.

Common Problems Agents Face While Downloading the IRDA Certificate

The procedure for downloading the IRDA certificate is a simple process that can be completed within a few minutes. Still, many people face some challenges while doing it.

Here are some of the common problems:

Record not found: This remains one of the most common challenges people face. You often don’t notice, but entering even one wrong digit of your details prevents the system from finding your record. Re-check everything carefully.
Portal Issues or Downtime: Government portals sometimes experience downtime, especially during peak hours. Try accessing the portal early in the morning or late evening.
Delay in Processing: If you've just cleared the IC-38 exam or just renewed your certificate, the system takes a few working days to process and update your records. Wait 3–5 business days and try again.
Browser Compatibility: Sometimes, the browser or devices you are using may create difficulties in accessing the website or portal. If you're using an older browser or a mobile browser, switch to a desktop and try again.
Data Mismatch: Sometimes there's a disconnect between the data entered during registration and other procedures, especially if different institutes were involved. In this case, contact your insurance company's team to express your concern.

Summary

Downloading your IRDA Certificate online is a simple process and takes just a few minutes on your part. Whether you want to download your IC-38 Exam Passing Certificate or IRDA Agent License/Certificate, you can easily download these using your details like PAN, URN, Date of Birth, and registered mobile number.

Moreover, an agent must know that the individual insurance agent's IRDA certificate is valid for 3 years and must be renewed through 25 hours of refresher training with no need for re-examination. It is always advisable to apply for renewal at least 60-90 days before the certificate expires to avoid the loss of authorization and regulatory penalties

Disclaimer: The information provided in the blog is for informational and educational purposes only. While every effort has been made to provide accurate and updated information, the details may vary as per different sources. You are advised to consult qualified professionals before making any decision.