Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Q3 FY2026 Earnings Presentation
20 slides from Go Digit General Insurance's earnings presentation, Jan 23, 2026
Slide 1: Regulation 30 intimation cover letter
Date: 22nd January 2026 To, To, BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G Bandra Kurla Complex, Dalal Street, Fort, Mumbai – 400 001 Bandra (East), Mumbai – 400 051 BSE Scrip Code: 544179 NSE Symbol: GODIGIT Subject: Intimation under
Slide 2: Go Digit Q3 PBT jumps to ₹163 crore
Go Digit Q3 PBT jumps to ₹ 163 crore, 9M FY 25-26 PBT ₹ 459 crore exceeded PBT of full FY 24-25 ₹ 425 crore. Particulars FY 2025 9M FY25 9M FY26 Q3 FY25 Q3 FY26 Gross Direct Premium (Cr) 8,472 6,491 7,444 2,115 2,557 Gross Written Premium (Cr) 10,282 7,706 8,558 2,677 2,909 Profit Before Tax (Cr) 42
Slide 3: About the Company
About the Company We aim to make insurance simple. Through innovation and transparency, we believe in delivering a seamless customer experience journey in a significant financial product an individual would purchase in their lifetime. We are one of the leading digital full stack insurance companies,
Slide 4: Making insurance simple
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter ended December 31, 2025 1 PRIVATE AND CONFIDENTIAL
Slide 5: Disclaimer
Disclaimer: This investor presentation may contain certain words or phrases in writing or otherwise which are not statements of historical facts and may be described as “forward-looking statements”. These forward-looking statements generally can be identified by words or phrases such as “aim”, “anti
Slide 6: Business Strengths
Business Strengths High-quality Focus on Predictive Advanced A nimble customer empowering underwriting technology organization with experience distribution models platform a skilled and partners experienced management team 3 PRIVATE AND CONFIDENTIAL
Slide 7: The Numbers
The Numbers: Gross Written Premium (1,2) Market Share (%) (1,2) Diverse product portfolio (3) ₹ 8,558 cr. 3.4/6.5 87 Market share for Total / Motor Active products launched since insurance 2017 1.21 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 8.1 cr. 37.4 Lacs 79,117 Custom
Slide 8: Key Performance Indicators [IGAAP]
Key Performance Indicators [IGAAP] ₹ cr Particulars FY 2025 9M 2025 9M 2026 Q3 2025 Q3 2026 Gross Written Premium 10,282 7,706 8,558* 2,677 2,909* Net Earned Premium 8,046 5,799 6,113 2,084 2,160 Net retention Ratio (%) 80.0 80.4 72.5 83.8 73.8 Loss Ratio (%) 72.8 71.4 72.0 72.9 72.5 Combined Ratio
Slide 9: GWP Growth
GWP Growth GWP ₹ cr ₹ cr GWP 10,282 2,909 8,558 7,706 2,677 FY 2025 9M 2025 9M 2026 Q3 2025 Q3 2026 Industry GWP Industry GWP Mix (%) GWP Growth(%) GWP Mix (%) Growth (%)(1) Growth (%) Growth (%) (1) Segments FY 2025 9M FY25 9M FY26 FY 2025 9M 2026 FY 2025 9M 2026 Q3 2025 Q3 2026 Q3 2026 Q3 2026 Mot
Slide 10: Results: Combined Ratio & Profit before tax
Results: Combined Ratio & Profit before tax Combined Ratio % (1) Combined Ratio IFRS basis (excluding discounting benefit %)Unaudited Profit before Tax COR without 1/n % 106.9 106.9 105.6 106.2 105.0 ₹ cr 108.6 108.2 108.5 107.2 108.6 459 109.3 108.5 110.3 110.7 108.1 425 - 64 425 395 309 - 72.8 71.
Slide 11: Growing Assets Under Management base leading to higher investment income
Growing Assets Under Management base leading to higher investment income Assets under management Investment Performance Investment Leverage Times(AUM multiple to Net-worth) ₹ cr Total AUM: ₹ cr 22,509 Yield Total AUM: 5.1 Total AUM: Overall – 7.2 19,703 Debt – 7.3 18,939 4.9 2,801 1,325 Overall – 5.
Slide 12: Investment Asset Allocation (%)
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure FY 2025 9M 2025 9M 2026 FY 2025 9M 2025 9M 2026 Equity 6.4 2.9 7.4 Others 5.5 2.4 6.2 Reverse Repo 1.3 0.6 0.9 Money Market 1.3 0.6 0.9 AT1 Bonds 11.2 11.6 10.9 Banking and AA- & equivalent 0.5 0.5 0.5 25.7 25.5 24.8 Finance A
Slide 13: Loss Ratios (%)
Loss Ratios (%) Particulars FY 2025 9M 2025 9M 2026 Q3 2025 Q3 2026 Motor OD 67.8 66.9 72.1 69.0 75.6 Motor TP 66.6 65.8 64.5 65.1 60.7 Health,Travel,PA 83.8 83.4 85.0 83.3 87.7 Fire 68.7 61.8 80.6 63.5 87.3 Marine 56.1 41.8 81.3 20.9 81.3 Engineering 103.1 132.1 66.2 188.1 38.9 Other 89.1 86.1 83.3
Slide 14: Thank You
Thank You 11 PRIVATE AND CONFIDENTIAL
Slide 15: Additional Information
Additional Information 12 PRIVATE AND CONFIDENTIAL
Slide 16: IFRS Earning
IFRS Earning ₹ cr FY 2024-25 9M 2024-25 9M 2025-26 Particulars (Audited) (Unaudited) (Unaudited) Profit before tax as per IGAAP 425 309 459 Networth [Equity] as per IGAAP 4,033 3,924 4,436 Leases and security deposit [IFRS 16 & 9] (4) 6 (4) Deferred acquisition cost [IFRS 17] 264 238 322 Unrealised
Slide 17: Reserving Triangle Disclosure: Whole Account
Reserving Triangle Disclosure: Whole Account Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- Particulars (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 2025 End of First Year (Original
Slide 18: Reserving Triangle Disclosure: Motor TP
Reserving Triangle Disclosure: Motor TP Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE ₹ cr31-Mar- Particulars (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 2025 End of First Year (Original
Slide 19: Reserving Triangle Disclosure: Whole Account excluding Motor TP
Reserving Triangle Disclosure: Whole Account excluding Motor TP Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- Particulars (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 2025 End of F
Slide 20: Glossary
Glossary Abbreviations Full Form FY Financial Year Q Quarter OD Own Damage TP Third Party Lacs Lakhs Cr Crore PA Personal Accident API Application Programming Interface GWP Gross Written Premium DAC Deferred Acquisition Cost GDP Gross Direct Premium CY Current Year PY Previous Year AI-ML Artificial
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