Heat the oil in a large pot over medium heat. Add the onion and cook until it softens and turns translucent.
Stir in the garlic and ginger and cook for one minute until fragrant.
Add the carrots, curry powder, and cumin. Stir and cook for two minutes to toast the spices.
Add the lentils, coconut milk, and vegetable broth. Bring the mixture to a boil.
Reduce the heat to low, cover the pot, and simmer for 25 to 30 minutes until the lentils are tender.
Season with salt and black pepper. Ladle into bowls and top with fresh cilantro before serving.