Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Investor Day (February 2026)
31 slides from Go Digit General Insurance's investor day presentation, Feb 16, 2026
Slide 1: Making insurance simple
Making insurance simple Value Statements Question the status quo Be Transparent Analyst/Investor Day - February 16th, 2026
Slide 2: 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 3: Growth
Growth From Market-Led to Choice-Led Growth - driven by deliberate capital and risk decisions Capital Risk Channels Products Launched only where Allocated to ROE-positive Segmented and priced Scaled selectively, not outcomes can be opportunities using data uniformly controlled We decide where to gro
Slide 4: Here's How the Day Fits Together
Here’s How the Day Fits Together Distribution → quality of inflow Commercial Lines → underwriting Motor Third Party claims → outcome discipline Technology → automating scale
Slide 5: Distribution
Distribution digit
Slide 6: Distribution: Where Growth Discipline Starts
Distribution: Where Growth Discipline Starts Distribution determines the quality of inflow Poor inflow cannot be fixed downstream Scale without steering erodes ROE Three Questions That Drive Every Distribution Decision • Where do we deploy capital and effort? • How do we protect ROE as scale increas
Slide 7: Distribution: Growth Follows ROE not Volumes
Distribution: Growth Follows ROE not Volumes Motor Corporate Lines Overall 14.7% 15.3% 77.3% 14.4% 9.7% 46.2% 8.7% 45.1% 7.7% 20.1% 12.9% 6.9% 7.8% 6.9% Motor TP Motor OD Liability Fire Marine Cargo Engineering Overall Capital and effort redirected from low-ROE segments to higher-ROE segments. Impro
Slide 8: Digital & Direct - Growth
Digital & Direct - Growth Business Steering Scale Profitability ---------- ---------- ~1.6x YoY growth (First 9M) ROE remains healthy as • Scaling D2C with clear profitability D2C at meaningful scale the channel scales thresholds • Pricing governed through segmentation and partner data Direct Platfo
Slide 9: Ojas - Advancing Execution and Early Signals
Ojas - Advancing Execution and Early Signals Single-source platform on Web & App for Sales Steering, driven by data intelligence and communication nudges Automated Business Intelligence Dashboard Linked To Steering Goals Digital Assistant To Orchestrate Business Meetings Comprehensive business snaps
Slide 10: Commercial Lines
Commercial Lines digit
Slide 11: Commercial Lines Need a Different Mindset
Commercial Lines Need a Different Mindset Severity dominates frequency: One Large loss can erode years of profits and Capital Commercial Lines is an outcome-managed growth engine • Growth is cyclical and non-linear • We grow horizontally when pricing and reinsurance economics are not favourable • We
Slide 12: Why a different mindset – Market Cycles
Why a different mindset – Market Cycles RI Burn cost adopted Reinsurer Burn Cost Hard Cycle due to on IIB published IIB FLEXA BC for NAT CAT Losses + on selected FLEXA BC + Industry all Occ. adopted Improvement in NAT occupancies Minimum NAT CAT CAT Rates Rate 2017 2018 2019 2020 2021 2022 2024 2025
Slide 13: Severity Risk is a Reality
Severity Risk is a Reality Large Losses Major CAT Losses with Significant Impact on Industry Loss as a % of Event Name Insurer’s Single Loss Group Lead Insurer's Loss Loss to Lead Year Economic Losses* Insurer GDP GWP of Lead (INR Crore) Losses (INR Crore) Share Amount Insurer Insurer 250-500 85% 30
Slide 14: Outcome-Managed Growth Engine
Outcome-Managed Growth Engine Loss Events / Capital Capital Deplition Hard Market Strategy Soft Market Strategy Shock Horizontal expansion in Geographies, Prepare to scale quickly when the market Occupancies, Partners and explore new improves opportunities Under Manage growth through segments which
Slide 15: Operational Roads: Market Cycle & Company's Approach
Operational Roads: Market Cycle & Company’s Approach Operational Roads NOP vs Rate 0.9 We were a prominent player in the segment up to 180 0.8 FY22–23 during the hard market phase. However, 160 0.7 140 increasing rate competition affected our growth 0.6 120 trajectory, prompting us to adopt a cautio
Slide 16: Motor Third Party Claims Management
Motor Third Party Claims Management
Slide 17: Motor TP Claims: Engineering Outcomes Through Discipline
Motor TP Claims • Largest and hardest claims book to manage • Court-driven injury/death awards with long Engineering Outcomes timelines Through Discipline • Frequent wage revisions and evolving judgments • High exposure to exaggeration and fraud • Outcomes vary widely without active management
Slide 18: Holistic Approach to Handling Motor TP Claims
Holistic Approach to Handling Motor TP Claims • Every TP Claim is actively steered • Claim decisions are shaped by facts and evidences, not petitions • Unified field intelligence, fraud controls and legal strategy • Focus on controlling outcomes, not just handling litigation
Slide 19: Motor TP Claim
Motor TP Claim Is the accident event itself genuine? Was our insured/Vehicle actually present and involved? Pre decision checklist Do physical, digital, and human evidence align consistently? Can the claim be prevented before filing? If filed, is the claim defensible? If liability is cle
Slide 20: Prevent
Prevent Evidence & checklist mapping Immediate Action led to no TP • Digital evidence Litigation against Company • Physical evidence • Head on Collision, 3 fatalities • Human intelligence • FIR against Insured Vehicle Checklist impact: • Advance signal, OD reported, early field action Evidence Consi
Slide 21: Defend
Defend Evidence & checklist mapping • Digital evidence • Physical evidence • High-stake TP fatal claim • Human intelligence • Looked compliant on paper • Early red flags triggered deeper Checklist impact: review Accident genuineness Insured/ Driver presence What this case demonstrates - System Over
Slide 22: Early Settlement Fairness is also an Outcome
Early Settlement Fairness is also an Outcome Where Liability is Clear • Liability established early • No benefit in prolonged litigation A pilot tragically lost his life after being hit by an insured truck. Company had settled the claim of • Proactive settlement before court award ₹3.5 crore within
Slide 23: Technology as an Enabler and Differentiator
Technology as an Enabler and Differentiator Scaling claims without compromising quality
Slide 24: Why Technology Matters as Volume Rises
Why Technology Matters as Volume Rises Business focus on Motor Own Damage (OD) Motor OD Claim Volume means rising claims volume April’24-December’24 April’25-December’25 When you scale manually: every new hire is a Claim volume = 5.1L Claim volume = 5.5L consistency risk, every resignation is knowle
Slide 25: Scaling breaks Human Heavy Contact
Scaling breaks Human Heavy Contact Claims are predominantly registered on App / Phone Limited concurrency — one agent, one call at a time Inconsistent registration outcomes across agents Talent availability & regional language constraints Particulars Dec’ 24 Dec' 25 Call count for follow up
Slide 26: Converting Scaling to a Repeatable Process
Converting Scaling to a Repeatable Process Agentic AI-based claims registration — currently in beta Consistent, cognition-based capture of claim information — no variation across interactions Knowledge base-driven responses to garage and customer queries Multi-language: Hindi live, expanding
Slide 27: Motor Own Damage Claims – Scaling Challenge
Motor Own Damage Claims – Scaling Challenge Physical Survey % Vehicle Repair Order sent under 8 Attrition hrs Month Dec’24 Dec'25 Month Dec’24 Dec'25 Month Dec’24 YTD Dec’25 YTD Physical Survey % 30% 43% VRO Ach % 51% 57% Attrition % 15.09% 15.07% People churn — knowledge leaves with every resigna
Slide 28: Motor Own Damage Claims – Scaling Challenge #2
Motor Own Damage Claims – Scaling Challenge #2 When quality depends on When the process is multi- When you show data and the individual stage expect interpretation Every admissibility check is Every handoff loses context, A veteran connects the dots in only as good as who's on every parts negotiatio
Slide 29: From Data to Insights
From Data to Insights • From showing data to surfacing insights - the system tells you what to look at • Survey + Assessment merged into a single system-controlled workflow • Prices and repair/replace decisions jointly agreed within the system - no offline negotiation
Slide 30: Directional Metrics: Higher throughput with better control
Directional Metrics: Higher throughput with better control and stable service velocity Time Motion Studies Cycles End – End TAT Month Dec’24 Dec'25 Month Dec’24 Dec'25 Month Dec’24 Dec'25 Cycle count 1.89 1.73 E2E TAT 17.8 16.8 TMS in mins 22.8 17.6 Claim Growth Customer NPS Score Productivity Month
Slide 31: Thank You
Thank You digit
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