Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — Q4 FY2025 Earnings Presentation
22 slides from Go Digit General Insurance's earnings presentation, Apr 29, 2025
Slide 1: Intimation under Regulation 30 - Press Release and Investor Presentation
Date: 28th April 2025 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 Dear Sir/Madam, Subject: In
Slide 2: Go Digit Q4 PBT jumps 2.2 times to ₹116 crore
Go Digit Q4 PBT jumps 2.2 times to ₹ 116 crore (PAT is same), FY 25 PBT jumps 2.3 times to ₹ 425 crore (PAT is same) Particulars FY 2023-24 FY 2024-25 Q4 2024 Q4 2025 Gross Written Premium (Cr) 9,016 10,282 2,336 2,576 Profit After Tax (Cr) 182 425 53 116 Assets Under Management (Cr) 15,764 19,703 1
Slide 3: Combined Ratio, Solvency and About the Company
Combined Ratio: - Combined Ratio for Q4 2025 is 111.3%, as compared to 108.8% in Q4 2024 Combined Ratio for FY 2024-25 is 109.3% compared to 108.7%. Without 1/n basis: -Combined Ratio for Q4 2025 is 109.7% as compared to 108.8% in Q4 2024. -Combined Ratio for FY 2024-25 is 108.6% as compared t
Slide 4: Making insurance simple: Results for the Quarter & Year ended March 31, 2025
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter & Year ended March 31, 2025 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) ₹10,282 cr. 3.3 / 5.9 85 Market share for Total / Motor Active products launched since insurance 2017 1.2 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 6.7 cr. 29.4 Lacs 71,870 Custome
Slide 8: Key Performance Indicators [IGAAP]
Key Performance Indicators [IGAAP] ₹ cr Particulars FY2023 FY2024 FY 2025 Q4 2024 Q4 2025 Gross Written Premium 7,243 9,016 10,282* 2,336 2,576* Net Earned Premium 5,164 7,096 8,046 1,982 2,247 Net retention Ratio (%) 81.6 85.8 80.0 89.9 78.9 Loss Ratio (%) 67.2 70.3 72.8 72.2 76.5 Combined Ratio (C
Slide 9: GWP Growth
GWP Growth ₹ cr ₹ cr GWP GWP 10,282 2,576 9,016 7,243 2,336 FY 2023 FY 2024 FY 2025 Q4 2024 Q4 2025 GWP Industry GWP Mix (%) GWP Growth (%) Industry Growth (%) (1) GWP Mix (%) Growth (%) Growth (%) (1) GWP FY 2023 FY 2024 FY 2025 FY 2024 FY 2025 FY 2024 FY 2025 Q4 2024 Q4 2025 Q4 2025 Q4 2025 Motor
Slide 10: Results: Combined Ratio & Profit after tax
Results: Combined Ratio & Profit after tax Combined Ratio % (1) Profit after Tax Without 1/n, COR Without 1/n, for the quarter is COR for the 109.8%(2) ₹ cr year is 108.6%(2) 111.3% 108.7% 109.3% 108.8% 425 107.4% 67.2 70.3 72.8 72.2 76.5 182 116 40.2 38.4 36.5 36.6 53 34.8 36 FY 2023 FY 2024 FY 202
Slide 11: Growing Assets Under Management base leading to higher investment income
Growing Assets Under Management base leading to higher investment income Assets under management Investment Income & Yield ₹ cr ₹ cr • Times(AUM multiple to Net-worth) Investment Yield % Without capital loss of ₹ 3.4 cr, *Not annualised yield is 7.2 Total AUM: Without capital 19,703 gain of ₹ 56.3 c
Slide 12: Investment Asset Allocation (%)
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure FY FY FY 2023 2024 2025 FY 2023 FY 2024 FY 2025 (1) Equity 1.2 1.6 6.4 Others 0.9 1.1 5.5 Reverse Repo 1.4 1.0 1.3 Money Market 2.0 0.8 1.3 AT1 Bonds 3.3 10.3 11.2 Banking and AA- & equivalent 0.0 0.7 0.5 6.6 20.6 25.7 Finance
Slide 13: Loss Ratios (%)
Loss Ratios (%) Particulars FY2023 FY 2024 FY 2025 Q4 2024 Q4 2025 Motor OD 69.3 66.1 67.8 67.9 70.5 Motor TP 68.6 60.5 66.6 59.2 68.7 Health,Travel,PA 71.9 93.9 83.8 96.1 84.9 Fire 38.2 85.7 68.7 60.6 81.6 Marine 91.1 79.9 56.1 59.5 64.1 Engineering 87.5 130.1 103.1 71.9 40.3 Other 56.2 80.3 89.1 8
Slide 14: Leveraging Technology
Leveraging Technology In-house built AI-ML microsystems that we expect will become more efficient over time and support future growth We developed bots for our various partners and functions to automate 48.2% of our policies were issued via APIs in FY2025. Cumulatively 5.3 cr. repetitive tasks polic
Slide 15: Thank You
Thank You 12 PRIVATE AND CONFIDENTIAL
Slide 16: Additional Information
Additional Information 13 PRIVATE AND CONFIDENTIAL
Slide 17: IFRS Earning
IFRS Earning ₹ cr FY 2023-24 FY 2024-25 Particulars (Audited) (Audited) Profit after tax as per IGAAP 182 425 Networth [Equity] as per IGAAP 2,515 4,033 Return on Average Equity [IGAAP] (%) 7.5 13.0 Leases and security deposit [IFRS 16 & 9] -3 -4 Deferred acquisition cost [IFRS 17] 382 264 Unrealise
Slide 18: 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 19: 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- ₹ cr31-Mar- YE Particulars (As at 31st March 2025) 2018 2019 2020 2021 2022 2023 2024 2025 End of First Year (Original
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 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 21: Go Digit Gross Direct Premium vs Industry Gross Direct Premium
Go Digit Gross Direct Premium ₹ cr 7% 8,472 29% 7,941 32% 6,160 4,674 1% 1,971 1,981 FY 2022 FY 2023 FY 2024 FY 2025 Q4 2024 Q4 2025 Industry Gross Direct Premium ₹ cr 6% 13% 3,07,659 2,89,645 16% 2,56,894 2,20,772 2% 76,168 77,458 FY 2022 FY 2023 FY 2024 FY 2025 Q4 2024 Q4 2025 18 PRIVATE AND CONFI
Slide 22: 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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