Heat oil in a large pot over medium heat until shimmering. Add onions and sauté for 4-5 minutes until soft and translucent.
Add garlic and ginger to the pot and cook for another minute until fragrant, being careful not to burn them.
Stir in all the spices (curry powder, cumin, coriander, turmeric, and cayenne) and toast for 30 seconds until aromatic. This blooms the spices and enhances their flavor.
Add the cubed pumpkin to the pot and stir to coat with the spice mixture, cooking for 2-3 minutes.
Pour in the diced tomatoes, scraping any browned bits from the bottom of the pot with a wooden spoon to incorporate all the flavor.
Add lentils, chickpeas, coconut milk, and vegetable broth to the pot. Stir well to combine all ingredients.
Bring the mixture to a boil, then reduce heat to low and simmer, partially covered, for 20-25 minutes until the pumpkin is tender and the lentils are cooked through.
Taste and adjust seasoning, adding salt, pepper, and optional maple syrup or brown sugar if needed to balance flavors.
Serve hot over rice or with naan bread, garnished with fresh cilantro and a squeeze of lime juice to brighten the flavors.