Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Q1 FY2027 Earnings Presentation
20 slides from Go Digit General Insurance's earnings presentation, Jul 23, 2026
Slide 1: Exchange intimation letter under Regulation 30
Date: 23rd July 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 Re
Slide 2: Profitability Discipline Over Growth in a Soft Market
“Profitability Discipline Over Growth in a Soft Market" Solvency strong at 2.43x ₹ cr Particulars Q1 FY26 FY 2026 Q1 FY27 Gross Direct Premium 2,507 9,846 2,447 Gross Written Premium 2,982 11,294 2,731 Net Earned Premium 1,865 8,414 2,007 Net retention Ratio (%) 65.4 73.7 76.7 Loss Ratio (%) 70.3 72.
Slide 3: Assets Under Management, Solvency and About the Company
Assets Under Management: - • As on June 30, 2026, assets under management stood at ₹ 23,377 cr at book value, compared to ₹ 20,468 cr as at June 30, 2025, increased by ₹ 2,909 cr, having a growth of 14.2%. Solvency: - • Solvency ratio was at 2.43 x as at June 30, 2026 as against 2.42x as at March 31
Slide 4: Making insurance simple - Results for the Quarter ended June 30, 2026
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter ended June 30, 2026 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) Market Share (%) (1,2) Diverse product portfolio (3) ₹ 2,731cr. 3.1 / 5.6 88 Market share for Total / Motor Active products launched since insurance 2017 0.42 cr policies sold (1) Partner network (3) Claims settled since inception (3) 8.9 cr. 82,612 43.6 Lacs C
Slide 8: Key Performance Indicators
Key Performance Indicators ₹ cr Particulars Q1 2026 FY 2026 Q1 2027 # Profit After Tax (Only with DAC): Profit after tax excluding all IndAS impacts except DAC. Gross Direct Premium 2,507 9,846 2,447 *Net worth (Ind AS): Paid up share Capital+ Reserves & Surplus + ESOP Reserves Gross Written Premium
Slide 9: Ind AS Financial Information
IndAS Financial Information ₹ cr Q1 2026 FY 2026 Q1 2027 Insurance Revenue is the Gross Earned Premium Particulars (Unaudited) (Audited) (Reviewed) Insurance Revenue (i) 2,471 10,942 2,653 Insurance Service Expenses is on gross basis and includes claims, acquisition cost and expenses related Ins
Slide 10: GDPI and GWP by segment
GDPI GDPI Industry GDPI Industry GDPI GDPI Mix (%) Mix (%) Growth(%) Growth (%) Growth (%) Growth (%) 9,846 Segments FY 2026 FY 2026 FY 2026 Q1 2026 Q1 2027 Q1 2027 Q1 2027 Motor – OD 26.1 15.3 9.0 21.6 21.4 -3.0 16.4 Motor – TP 42.5 15.4 9.3 37.0 38.8 2.4 12.2 Motor Total 68.7 15.3 9.2 58.5 60.2 0.
Slide 11: Results: Combined Ratio & Profit before tax
Results: Combined Ratio & Profit before tax Combined Ratio%* Profit before Tax only with DAC 107.2 104.6 105.7 1,021 257 ₹ cr 70.3 72.6 73.3 764 268 254 68 64 33.9 34.3 32.8 200 190 Q1 2026 FY 2026 Q1 2027 Q1 2026 FY 2026 Q1 2027 PAT TAX Expense Ratio Claim Ratio * Combined Ratio: (Claims incurred n
Slide 12: Expanding Asset Base Driving Higher Investment Returns
Expanding Asset Base Driving Higher Investment Returns Assets under management Investment Performance Investment Leverage Times(AUM multiple to Net-worth) ₹ cr Yield Overall – 7.4 ₹ cr Total AUM: Debt – 7.6 23,377 * Not Annualized 1,588 Total AUM: 5.0 75.3 22,880 Total AUM: 20,468 5.0 497 1 4.9 3,41
Slide 13: Investment Asset Allocation (%)
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure Q1 2026 FY 2026 Q1 2027 Equity 6.1 7.6 8.6 Q1 2026 FY 2026 Q1 2027 REITs & InvITs 0.2 0.7 0.9 Others 5.5 6.8 8.1 Reverse Repo 1.4 0.6 0.9 Money Market 1.9 0.3 0.8 AT1 Bonds 10.7 10.5 10.3 Banking and AA- & equivalent 0.5 0.5 0
Slide 14: Loss Ratios (%)
Loss Ratios (%) Particulars Q1 FY26 FY 2026 Q1 FY27 Motor Total 67.2 68.0 70.2 Motor OD 69.3 72.7 75.9 Motor TP 66.0 65.1 66.6 Health,Travel,PA 83.3 84.4 87.2 Fire 73.1 84.8 83.0 Marine 51.4 48.8 61.8 Engineering 53.5 63.6 82.4 Other 64.8 85.5 52.2 Total 70.3 72.9 73.3 11 PRIVATE AND CONFIDENTIAL
Slide 15: Thank You
Thank You 12 PRIVATE AND CONFIDENTIAL
Slide 16: Additional Information
Additional Information 13 PRIVATE AND CONFIDENTIAL
Slide 17: Reserving Triangle Disclosure: Whole Account
Reserving Triangle Disclosure: Whole Account Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr Particulars YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- (As at 31st March 2026) 2018 2019 2020 2021 2022 2023 2024 2025 2026 End of Firs
Slide 18: Reserving Triangle Disclosure: Motor TP
Reserving Triangle Disclosure: Motor TP Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr Particulars YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 2025 2026 ₹ cr End of Firs
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 Particulars YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 20
Slide 20: Glossary
Glossary Abbreviations Full Form FY Financial Year Q Quarter OD Own Damage TP Third Party Lacs Lakhs P&L Profit and Loss Account Cr Crore PA Personal Accident API Application Programming Interface GWP Gross Written Premium DAC Deferred Acquisition Cost OCI Other Comprehensive Income GDPI Gross Direc
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