Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Q4 FY2026 Earnings Presentation
21 slides from Go Digit General Insurance's earnings presentation, 2026
Slide 1: Go Digit Q4 PBT jumps by 49% to ₹173 crore, FY 25–26 PBT jumps by 49%
Go Digit Q4 PBT jumps by 49% to ₹ 173 crore, FY 25–26 PBT jumps by 49% to ₹632 crore Particulars FY 2025 FY 2026 Q4 FY25 Q4 FY26 Gross Direct Premium with 1/n (Cr) 8,472 9,846 1,981 2,402 Gross Written Premium with 1/n (Cr) 10,282 11,294 2,576 2,736 Net Earned Premium 8,046 8,414 2,247 2,301 Net ret
Slide 2: Premium Income, AUM, Solvency and Profitability commentary
Premium Income: - • In Q4 2026, Gross Direct Premium of the Company stood at ₹ 2,402 cr compared to ₹ 1,981 cr in Q4 2025, recording a growth of 21.3% • In Q4 2026, Gross Written Premium of the Company stood at ₹ 2,736 cr compared to ₹ 2,576 cr in Q4 2025, recording a growth of 6.2% Assets Under Man
Slide 3: 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 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) ₹ 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 Cus
Slide 7: Key Performance Indicators
Key Performance Indicators ₹ cr Particulars FY 2025 FY 2026 Q4 2025 Q4 2026 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): Paid up
Slide 8: Earning Reconciliation IGAAP to Ind AS
Earning Reconciliation IGAAP to Ind AS ₹ cr FY 2024-25 FY 2025-26 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 transition, our company has prepared IndAS I
Slide 9: GDPI Growth
GDPI Growth ₹ cr ₹ cr GDPI GDPI 9,846 2,402 8,472 1,981 FY 2025 FY 2026 Q4 2025 Q4 2026 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.
Slide 10: GWP Growth
GWP Growth ₹ cr ₹ cr 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.
Slide 11: Results: Combined Ratio & Profit before tax
Results: Combined Ratio & Profit before tax Combined Ratio% * Profit before Tax (only with DAC) ₹ cr 1,021 257 106.9% 105.7% 106.8% 105.8% 689 764 173 516 239 142 60 36 179 106 72.8 72.9 76.5 75.2 FY 2025 FY 2026 Q4 2025 Q4 2026 PAT TAX Profit before Tax IGAAP 632 ₹ cr 87 544 425 - 425 34.1 32.8 30.
Slide 12: 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 ₹ cr Total AUM: Yield Overall – 7.4 22,922 Debt – 7.6 Total AUM: 5.0 1,588 19,703 Overall – 7.2 75.3 Debt – 7.3 3,213 4.9
Slide 13: Investment Asset Allocation (%)
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure FY 2025 FY 2026 Equity 6.4 8.3 FY 2025 FY 2026 Reverse Repo 1.3 0.6 Others 5.5 6.8 AT1 Bonds 11.2 10.5 Money Market 1.3 0.3 AA- & equivalent 0.5 0.5 Banking and Finance 25.7 25.5 AA+ 6.0 7.3 Housing and 33.1 33.5 AAA & equival
Slide 14: Loss Ratios (%) [IGAAP]
Loss 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 92.5
Slide 15: ESG Initiatives
ESG Initiatives Environmental Factors: Social Factors: Governance factors: The Company endeavors to optimize The Digit mobile application offers a The Company has adopted a energy consumption across its offices dedicated assistance helpline, comprehensive Code of Conduct through the adoption o
Slide 16: Thank You
Thank You 14 PRIVATE AND CONFIDENTIAL
Slide 17: Additional Information
Additional Information 15 PRIVATE AND CONFIDENTIAL
Slide 18: 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 19: 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 20: 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 21: 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 GDP Gross Direct
Go Digit General Insurance — Q4 FY2026 Earnings Presentation on 6ix