BSECompany Update1d ago · 23 Jul 2026, 06:10 pm
Investor Presentation and Press Release for financial performance of the Company for quarter ended 30th June 2026.
Go Digit General Insurance Ltd · 544179
✦ AI SummaryResults
Go Digit General Insurance Ltd has announced its Q1 FY27 results, with a net earned premium of ₹ 2,007 cr, a 7.6% growth from Q1 FY26. The company's solvency ratio stood at 2.43x, higher than the minimum regulatory requirement of 1.50x.
Analysis Scores
Earnings Impact6/10
Growth Catalyst4/10
Governance Concern1/10
Regulatory Risk1/10
Balance Sheet Risk2/10
Liquidity Impact8/10
Market Sentiment5/10
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Full Announcement
Go Digit General Insurance Ltd - 544179 - Announcement under Regulation 30 (LODR)-Press Release / Media Release
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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 Regulation 30 of the SEBI (Listing Obligations and Disclosure
Requirements) Regulations, 2015 - Press Release and Investor Presentation
Dear Sir/Madam,
Pursuant to Regulation 30 and Para A of Part A of Schedule III read with Regulation 46 of the SEBI
(Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith
Press Release and Investor Presentation on performance review of the Company for the quarter
ended 30th June 2026.
The said press release and intimation can be accessed at the website of the Company at
https://www.godigit.com/investor-relations.
We request you to kindly take the above intimation on record.
Thanking you,
Yours sincerely,
For Go Digit General Insurance Limited
Tejas Saraf
Company Secretary & Compliance Officer
Enclosed: As Above
Go Digit General Insurance Limited | Registered Office: 1 to 6 Floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City
Survey No. 1579, Shivajinagar Pune - 411005 Maharashtra | CIN: L66010PN2016PLC167410 | IRDAI Reg. No: 158
Website www.godigit.com Email Id: hello@godigit.com Toll free 1800-258-5956
“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 72.9 73.3
Solvency Ratio 2.27 2.42 2.43
Profit Before Tax (Only with DAC) 268 1,021 254
Profit After Tax (Only with DAC) # 200 764 190
Net-Worth (Equity - IGAAP)* 4,173 4,586 4,674
Return on Average Equity** 4.9^^ 17.7 4.1^^
Net-Worth (Equity - IndAS)* 7,449 7,609 8,183
Combined Ratio on NEP with DAC (%)^ 104.6 105.7 107.2
Combined Ratio (%)*** 102.2 103.0 104.3
# Profit After Tax (Only with DAC): Profit after tax excluding all IndAS impacts except DAC.
* Net worth (Ind AS): Paid up share Capital+ Reserves & Surplus + ESOP Reserves
Net worth (IGAAP): Paid up share Capital+ Reserves & Surplus – ESOP Reserves
** Return on Average Equity: Calculated as Profit After Tax (Only with DAC) divided by (Opening Net-worth [IGAAP] + Closing Net-worth [IGAAP])/2
^ Combined Ratio on NEP with DAC: (Claims incurred net [excluding reserve discounting] + Net Commission including deferred acquisition cost + Operating Expenses)/Net Earned
Premium
*** Combined Ratio: (Claims incurred net [including reserve discounting] +Commission Net including deferred acquisition cost + Operating Expenses)/Net Earned Premium)
^^ Not annualised
Digit becomes the first multi-line insurer to declare results as per Ind AS standards, as prescribed by IRDAI.
KPI’s:
Profitability:
• Ind AS Profit before tax (only with DAC) for the Q1 2027 stood at ₹ 254 cr, compared to ₹ 268 cr in Q1 2026.
• Ind AS Profit after tax (only with DAC) for the Q1 2027 stood at ₹ 190 cr, compared to ₹ 200 cr in Q1 2026.
Combined Ratio: -
• Combined Ratio on NEP with DAC for Q1 2027 is 107.2%, as compared to 104.6% in Q1 2026
• Combined Ratio on NEP with DAC & Discounting for Q1 2027 is 104.3%, as compared to 102.2% in Q1 2026
Premium Income: -
• In Q1 2027, Net Earned Premium of the Company stood at ₹ 2,007 cr compared to ₹ 1,865 cr in Q1 2026,
recording a growth of 7.6%
• In Q1 2027, Gross Direct Premium of the Company stood at ₹ 2,447 cr compared to ₹ 2,507 cr in Q1 2026,
recording a de-growth of 2.4%
• In Q1 2027, Gross Written Premium of the Company stood at ₹ 2,731 cr compared to ₹ 2,982 cr in Q1 2026,
recording a de-growth of 8.4%
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, 2026, higher than the minimum
regulatory requirement of 1.50x.
About the Company
We aim to make insurance simple. Through innovation and transparency, we believe in delivering a seamless customer
experience journey in a significant financial product an individual would purchase in their lifetime. We are one of the leading
digital full stack insurance companies, leveraging our technology to power what we believe to be an innovative approach to
product design, distribution and customer experience for non-life insurance products. We offer motor insurance, health
insurance, travel insurance, property insurance, marine insurance, liability insurance and other insurance products, which
the customers can customize to meet their needs.
For more details visit https://www.godigit.com/
Making insurance simple
Value Statements
Question the status quo
Be Transparent
Results for the Quarter ended June 30, 2026
PRIVATE AND CONFIDENTIAL
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”, “anticipate”, “are likely”, “believe”, “continue”, “can”, “shall”, “could”, “expect”, “estimate”, “intend”, “may”, “likely”
“objective”, “plan”, “project”, “propose”, “seek to”, “will”, “will continue”, “will achieve”, “will likely”, “will pursue” or other words or
phrases of similar import. Similarly, statements that describe our Company’s strategies, objectives, plans or goals, financial and
operating projections are also forward-looking statements.
All forward-looking statements are subject to risks, uncertainties, expectations and assumptions about us that could cause actual
results to differ materially from those contemplated by the relevant forward-looking statement. Actual results may differ materially from
those suggested by the forward-looking statements due to risks or uncertainties associated with our expectations with respect to, but
not limited to, regulatory changes pertaining to the industry in which our Company operates and our ability to respond to them, our
ability to successfully implement our strategy, our growth and expansion, technological changes, our exposure to market risks, general
economic and political conditions in India and globally which have an impact on our business activities, investments, or the industry in
which we operate, the monetary and fiscal policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign
exchange rates, equity prices or other rates or prices, the performance of the financial markets in India and globally, changes in
domestic laws, regulations, taxes, changes in competition in the industry in which we operate and incidents of any natural calamities
and/or acts of violence.
Forward-looking statements reflect the current views of our Company as of the period of these results and are not a guarantee of
future performance. These statements are based on our management’s beliefs, assumptions, current plans, estimates and
expectations, which in turn are based on currently available information. Although we believe the assumptions upon which these
forward-looking statements are based are reasonable, any of these assumptions could prove to be inaccurate, and the forward-
looking statements based on these assumptions could be incorrect. We undertake no obligation to update forward-looking
statements to reflect events or circumstances after the date there.
PRIVATE AND CONFIDENTIAL
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
PRIVATE AND CONFIDENT
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