Go Digit General Insurance Limited · NSE:GODIGIT

Go Digit General Insurance — Q4 FY2026 Earnings Presentation

22 slides from Go Digit General Insurance's earnings presentation, Apr 29, 2026

Slide 1: Intimation under Regulation 30 to stock exchanges
Date: 28th April 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 R
Slide 2: Go Digit Q4 PBT jumps by 49% to 173 crore
Go Digit Q4 PBT jumps by 49% ƚŽ༤173 crore, FY 25–26 PBT jumps by ϰϵйƚŽ༤ϲϯϮĐƌŽƌĞ WĂƌƟĐƵůĂƌƐ FY 2025 FY 2026 Q4 FY25 Q4 FY26 Gross Direct Premium with 1/n (Cr) 8,472 9,846 1,981 2,402 'ƌŽƐƐtƌŝƩĞŶWƌĞŵŝƵŵwith 1/n (Cr) 10,282 11,294 2,576 2,736 Net Earned Premium 8,046 8,414 2,247 2,301 EĞƚƌĞƚĞŶƟŽŶZĂƟŽ;й
Slide 3: Premium income, AUM, solvency and profitability; about the company
Premium Income: - x /ŶYϰϮϬϮϲ͕'ƌŽƐƐŝƌĞĐƚWƌĞŵŝƵŵŽĨƚŚĞŽŵƉĂŶǇƐƚŽŽĚĂƚ༤Ϯ͕ϰϬϮĐƌĐŽŵƉĂƌĞĚƚŽ༤ϭ͕ϵϴϭĐƌŝŶYϰϮϬϮϱ͕ ƌĞĐŽƌĚŝŶŐĂŐƌŽǁƚŚŽĨϮϭ͘ϯй x /ŶYϰϮϬϮϲ͕'ƌŽƐƐtƌŝƩĞŶWƌĞŵŝƵŵŽĨƚŚĞŽŵƉĂŶǇƐƚŽŽĚĂƚ༤Ϯ͕ϳϯϲĐƌĐŽŵƉĂƌĞĚƚŽ༤Ϯ͕ϱϳϲĐƌŝŶYϰϮϬϮϱ͕ ƌĞĐŽƌĚŝŶŐĂŐƌŽǁƚŚŽĨϲ͘Ϯй ƐƐĞƚƐhŶĚĞƌDĂŶĂŐĞŵĞŶƚ͗- x As on DĂƌĐŚϯϭ͕ϮϬϮϲ͕ĂƐƐĞƚƐƵŶĚĞƌŵĂŶĂŐĞŵĞŶƚ༤ϮϮ͕ϵ
Slide 4: Making insurance simple: Results for the Quarter ended March 31, 2026
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter ended March 31, 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 h- h-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 rs: Gross Written Premium (1,2) Market Share (%) (1,2) Diverse product portfolio (3) ൠ 11,294 cr. 3.4 / 6.3 88 Market share for Total / Motor Active products launched since insurance 2017 1.67 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 8.4 cr. 40.6 Lacs 81,124
Slide 8: Key Performance Indicators
Key Performance Indicators ཪcr Particulars FY 2025 FY 2026 Q4 2025 Q Q4 2026 Q ¾ Net worth (IGAAP): Paid up share capital+Securities Premium+ Gross Direct Premium 8,472 9,846 1,981 2,402 Accumulated losses/gains as per IGAAP Gross Written Premium 10,282 , 11,294* , 2,576 , 2,736* , Net worth (Ind AS
Slide 9: Earnings Reconciliation IGAAP to Ind AS
Earning g Reconciliation IGAAP to Ind AS ༤cr FY 2024 202 24- 2 4 4-25 25 25 FY 2025 202 25- 2 5-26 5 26 26 Particulars 1. IRDAI has mandated that all insurers adopt (Unaudited) (Audited) Indian Accounting Standards (IndAS) beginning 1 April 2026. In preparation for this Profit before tax 425 632 tra
Slide 10: GDPI Growth
GDPI Growth ཪcr ཪcr GDPI GDPI 9,846 2,402 8,472 1,981 &zϮϬϮϱ &zϮϬϮϲ YϰϮϬϮϱ YϰϮϬϮϲ GDPI Industry GDPI Mix (%) GDPI Growth(%) Industry Growth (%)(1) GDPI Mix (%) Growth (%) Growth (%) (1) Segments FY 2025 FY 2026 FY 2025 FY 2026 FY 2025 FY 2026 Q4 2025 Q4 2026 Q4 2026 Q4 2026 Motor – OD 26.4 26.1 14.1
Slide 11: GWP Growth
GWP Growth ཪcr ཪcr GWP GWP 11,294 2,736 2,576 10,282 FY 2025 FY 2026 Q4 2025 Q4 2026 GWP Industry GWP Mix (%) GWP Growth(%) Industry Growth (%)(1) GWP Mix (%) Growth (%) Growth (%) (1) Segments FY 2025 FY 2026 FY 2025 FY 2026 FY 2025 FY 2026 Q4 2025 Q4 2026 Q4 2026 Q4 2026 Motor – OD 21.7 22.8 14.1
Slide 12: Results: Combined Ratio & Profit before tax
Results: s: Combined Ratio & Profit before tax Combined Ratio% * Profit before Tax (only with DAC) ൠ cr 1,021 Ϯϱϳ 106.9% 105.7% % 106.8% 105.8% 689 ϳϲϰ ϭϳϯ ϭϳϯ ϱϭϲ 239 142 ϲϬ ϲϬ ϯϲ ϯϲ 179 ϭϬϲ ϳϮ͘ϴ ϳϮ͘ϵ ϳϲ͘ϱ ϳϱ͘Ϯ &zϮϬϮϱ &zϮϬϮϲ YϰϮϬϮϱ YϰϮϬϮϲ PAT TAX Profit before Tax IGAAP 632 ൠ cr ϴϳ ϱϰϰ 425 - ϰϮϱ ϯϰ
Slide 13: Growing Assets Under Management
Growing Assets Under Management nt base leading to higher investment income Assets under management Investment Performance Investment Leverage Times(AUM multiple to Net-worth) ൠ cr ൠ cr Total AUM: Yield Overall – 7.4 22,922 Debt – 7.6 Total AUM: 5.0 1,588 19,703 Overall – 7.2 ϳϱ͘ϯ Debt – 7.3 ϯ͕Ϯϭϯ 4
Slide 14: Investment Asset Allocation (%)
Investment Asset Allocation (%) %) Rating Wise Exposure Sector Wise Exposure &zϮϬϮϱ &zϮϬϮϲ ƋƵŝƚǇ ϲ͘ϰ 8.3 &zϮϬϮϱ &zϮϬϮϲ ZĞǀĞƌƐĞZĞƉŽ 1.3 Ϭ͘ϲ KƚŚĞƌƐ ϱ͘ϱ ϲ͘ϴ dϭŽŶĚƐ ϭϭ͘Ϯ ϭϬ͘ϱ DŽŶĞǇDĂƌŬĞƚ 1.3 Ϭ͘ϯ ͲΘĞƋƵŝǀĂůĞŶƚ Ϭ͘ϱ Ϭ͘ϱ ĂŶŬŝŶŐĂŶĚ&ŝŶĂŶĐĞ Ϯϱ͘ϳ Ϯϱ͘ϱ AA+ ϲ͘Ϭ 7.3 ,ŽƵƐŝŶŐĂŶĚ 33.1 ϯϯ͘ϱ ΘĞƋƵŝǀĂůĞŶƚ ϯϴ͘Ϯ 37.1 /ŶĨƌĂƐ
Slide 15: Loss Ratios (%) [IGAAP]
Loss sss Ratios (%) [IGAAP] Particulars FY 2025 FY 2026 Q4 2025 Q4 2026 Motor Total 67.0 68.0 69.4 70.0 Motor OD 67.8 72.7 70.5 74.4 Motor TP 66.6 65.1 68.7 67.2 Health,Travel,PA 83.8 84.4 84.9 82.5 Fire 68.7 84.8 81.6 93.9 Marine 56.1 48.8 64.1 45.8 Engineering 103.1 63.6 40.3 57.7 Other 89.1 85.5
Slide 16: ESG Initiatives
ESG Initiatives Environmental Factors: Social Factors: Governance factors: 9 The Company endeavors to optimize 9 The Digit mobile application offers a 9 The Company has adopted a energy consumption across its offices dedicated assistance helpline, comprehensive Code of Conduct through the adoption o
Slide 17: Thank You
Thank You 14 PRIVATE AND CONFIDENTIAL
Slide 18: Additional Information
Additional Information 15 PRIVATE AND CONFIDENTIAL
Slide 19: Reserving Triangle Disclosure: Whole Account
Reserving Triangle Disclosure: Whole Account d Lo Incurred Losses osse ess aand nd Allocated Expenses (Ultimate Movement) n ༤cr Parti Particulars P arti rti tiiculars l YE E331- 31 1 1-Mar Ma M ar- YE a E331- 31 1 1-Mar Ma M ar- YE a E331- 31 1 1-Mar Ma M ar- YE a E 31 31- 31 1-Mar Ma M ar- YE a E33
Slide 20: Reserving Triangle Disclosure: Motor TP
Reservingg Triangle g Disclosure: Motor TP d Losses Incurred ess and Allocated Expenses (Ultimate Movement) ༤cr Particulars P artiicu arti ulars YE E331- 31 1-Mar 1 Ma Maar- YE E331- 31 1-Mar 1 Ma Maar- YE E331- 31 1-Mar 1 Ma Maar- YE E 31 31- 31-Mar 1 Ma Maar- YE E331- 31 1-Mar 1 Ma Maar- YE E331-
Slide 21: Reserving Triangle Disclosure: Whole Account excluding Motor TP
Reserving Triangle Disclosure: Whole Account excluding Motor TP d Lo Incurred Losses osse ess aand nd Allocated Expenses (Ultimate Movement) n ༤cr Parti Particulars arti rtiiculars YE E331- 31 1-Mar 1 Ma Maar- YE E 31 31- 31-Mar 1 Ma Maar- YE E331- 31 1-Mar 1 Ma Ma ar- YE E331- 31 1-Mar 1 Ma Maar- Y
Slide 22: Glossary
Glossary Abbreviations Abbreviat 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 GDP Gr

Go Digit General Insurance — Q4 FY2026 Earnings Presentation on 6ix

Go Digit General Insurance — Q4 FY2026 Earnings Presentation

Slide 1: Intimation under Regulation 30 to stock exchanges

Slide 2: Go Digit Q4 PBT jumps by 49% to 173 crore

Slide 3: Premium income, AUM, solvency and profitability; about the company

Slide 4: Making insurance simple: Results for the Quarter ended March 31, 2026

Slide 5: Disclaimer

Slide 6: Business Strengths

Slide 7: The Numbers

Slide 8: Key Performance Indicators

Slide 9: Earnings Reconciliation IGAAP to Ind AS

Slide 10: GDPI Growth

Slide 11: GWP Growth

Slide 12: Results: Combined Ratio & Profit before tax

Slide 13: Growing Assets Under Management

Slide 14: Investment Asset Allocation (%)

Slide 15: Loss Ratios (%) [IGAAP]

Slide 16: ESG Initiatives

Slide 17: Thank You

Slide 18: Additional Information

Slide 19: Reserving Triangle Disclosure: Whole Account

Slide 20: Reserving Triangle Disclosure: Motor TP

Slide 21: Reserving Triangle Disclosure: Whole Account excluding Motor TP

Slide 22: Glossary