Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Q2 FY2026 Earnings Presentation
19 slides from Go Digit General Insurance's earnings presentation, Sep 30, 2025
Slide 1: Go Digit Q2 PBT jumps 1.5 times to ₹136 crore, PAT 1.3 times
Go Digit Q2 PBT jumps 1.5 times to ₹ 136 crore, PAT jumps 1.3 times to 117 crore. Particulars FY 2025 H1 FY25 H1 FY26 Q2 FY25 Q2 FY26 Gross Written Premium (Cr) 10,282 5,029 5,649 2,369 2,667 Profit Before Tax (Cr) 425 191 296 89 136 Profit After Tax (Cr) 425 191 255 89 117 Assets Under Management (
Slide 2: 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 3: Making insurance simple: Results for the Quarter ended September 30, 2025
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter ended September 30, 2025 1 PRIVATE AND CONFIDENTIAL
Slide 4: 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 5: 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 6: The Numbers
The Numbers: Gross Written Premium (1,2) Market Share (%) (1,2) Diverse product portfolio (3) ₹5,649 cr. 3.4/6.5 86 Market share for Total / Motor Active products launched since insurance 2017 0.72 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 7.6 cr. 34.4 Lacs 76,783 Custome
Slide 7: Key Performance Indicators [IGAAP]
Key Performance Indicators [IGAAP] ₹ cr Particulars FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 Gross Written Premium 10,282 5,029 5,649 2,369 2,667* Net Earned Premium 8,046 3,715 3,953 1,891 2,088 Net retention Ratio (%) 80.0 78.6 71.9 81.4 79.1 Loss Ratio (%) 72.8 70.5 71.7 70.6 73.0 Combined Ratio (
Slide 8: GWP Growth
GWP Growth GWP ₹ cr GWP ₹ cr 2,667 10,282 5,649 5,029 2,369 FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 GWP Industry GWP Mix (%) GWP Growth(%) Industry Growth (%) GWP Mix (%) Growth (%) Growth (%) (1) Segments FY 2025 H1 FY25 H1 FY26 FY 2025 H1 2026 FY 2025 H1 2026 Q2 2025 Q2 2026 Q2 2026 Q2 2026 Motor
Slide 9: Results: Combined Ratio & Profit before tax
Results: Combined Ratio & Profit before tax Profit before Tax Combined Ratio % (1) Without 1/n, COR Without 1/n, COR for the period is for the quarter is 108.5%(2) 109.9%(2) 112.2 425 ₹ cr 109.3 108.7 110.1 111.4 425 296 70.6 73.0 72.8 70.5 71.7 41 255 191 - 191 136 19 89 117 - 38.2 38.4 41.6 38.4 8
Slide 10: 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 Overall – 7.2 Investment Leverage Debt – 7.3 Times(AUM multiple to Net-worth) Total AUM: ₹ cr ₹ cr 1,325 21,345 Total AUM: 19,703 Total AUM: 5.0% Yield 18,502 4.9% 1,641 4.9% 1 2,8
Slide 11: Investment Asset Allocation (%)
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure FY 2025 H1 2025 H1 2026 FY2025 H1 2025 H1 2026 Equity 6.4 2.4 7.3 Others 5.5 1.7 6.0 Reverse Repo 1.3 0.9 0.5 Money Market 1.3 0.9 0.5 AT1 Bonds 11.2 10.8 10.6 Banking and AA- & equivalent 0.5 0.6 0.5 25.7 24.8 25.4 Finance AA
Slide 12: Loss Ratios (%)
Loss Ratios (%) Particulars FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 Motor OD 67.8 65.8 70.3 67.3 71.3 Motor TP 66.6 66.2 66.4 66.8 66.8 Health,Travel,PA 83.8 83.4 83.9 80.8 84.3 Fire 68.7 60.9 74.9 54.1 75.5 Marine 56.1 53.9 81.6 54.2 10.3 Engineering 103.1 92.3 80.1 111.3 102.2 Other 89.1 81.3 78.0
Slide 13: Thank You
Thank You 11 PRIVATE AND CONFIDENTIAL
Slide 14: Additional Information
Additional Information 12 PRIVATE AND CONFIDENTIAL
Slide 15: IFRS Earning
IFRS Earning ₹ cr FY 2024-25 H1 2024-25 H1 2025-26 Particulars (Audited) (Unaudited) (Unaudited) Profit before tax as per IGAAP 425 191 296 Networth [Equity] as per IGAAP 4,033 3,805 4,290 Leases and security deposit [IFRS 16 & 9] (4) (4) (4) Deferred acquisition cost [IFRS 17] 264 143 204 Unrealise
Slide 16: 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 17: 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 18: 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 19: 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 GDP Gross Direct Premium CY Current Year PY Previous Year AI-ML Artificial Intelligence - Machine Learnin
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