Press Release and Investor Presentation of Company''s performance for H1 and Q2 of FY 2026-27

Date: 5th November 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, 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 and half-year ended 30th September 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 "Underwriting Discipline Sustained Amid a Soft Market" Solvency strong at 2.40x ₹ cr Particulars Q2 FY26 H1 FY26 FY 2026 Q2 FY27 H1 FY27 Insurance Revenue 2,675 5,152 10,988 2,720 5,386 Profit Before Tax (Ex MTM) 370 690 1,227 278 597 Profit After Tax (Ex MTM) # 277 516 919 208 447 ⮚ Profit Before Tax (Ex MTM & Flood Loss) 380 700 1257 341 660 ⮚ Profit After Tax (Ex MTM & Flood Loss) 285 524 941 255 494 Return on Average Equity** ^^ 6.5 12.4 21.3 4.4 9.6 Net worth (Equity-IndAS)* 7,620 7,620 7,610 8,137 8,137 Net Retention Ratio (%) 79.1 71.9 73.7 84.3 80.4 Claims Ratio (%)## 48.2 53.2 58.6 62.4 60.9 Combined Insurance Service Ratio (%) ^ 94.9 95.3 97.3 99.8 98.4 ⮚ Combined Insurance Service Ratio (%) ^ [Ex Flood Loss] 94.5 95.1 97.0 97.4 97.2 Solvency Ratio 2.26 2.26 2.42 2.40 2.40 # Profit After Tax (Ex MTM): Profit after tax excluding mark to market impacts. Comparative periods are presented on the same basis. * 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 (excl. MTM) divided by (Opening Net-worth [IGAAP] + Closing Net-worth [IGAAP])/2. IGAAP net worth is used because solvency continues to be computed on IGAAP, and the additional Ind AS net worth is currently not available for distribution or for writing business. ^ Combined Insurance Service Ratio: [(Insurance Service Expenses + Net Expense/(Income) from Reinsurance Contracts + Other Expenses/(Income)) / Insurance Revenue] ## Claims ratio has been calculated in accordance with the methodology prescribed under the IRDA Circular No. IRDAI/F&I/CIR/MISC/92/7/2026 dated 8 July 2026. [Claims Cost / Insurance Revenue]. This is a gross ratio and does not include the impact of reinsurance; CISR includes the net cost of reinsurance, CISR is commonly used by global insurers. ^^ Not annualised Reporting basis: From this quarter, the Company reports its financial results under Ind AS, as prescribed by IRDAI, with 1 April 2025 as the transition date. Comparative figures are presented on the same basis. KPIs: Premium Income: - • In Q2 2027, Insurance Revenue of the Company stood at ₹ 2,720 cr compared to ₹ 2,675 cr in Q2 2026 • In Q2 2027, Gross Direct Premium of the Company stood at ₹ 2,351 cr compared to ₹ 2,379 cr in Q2 2026, a de-growth of 1.2%. • In Q2 2027, Gross Written Premium of the Company stood at ₹ 2,571 cr compared to ₹ 2,667 cr in Q2 2026, a de-growth of 3.6%. Excluding health reinsurance inward and government health business, which we chose not to renew as pricing was unattractive, Gross Written Premium was flat. Profitability: • Ind AS Profit before tax (Ex MTM) for the Q2 2027 stood at ₹ 278 cr, compared to ₹ 370 cr in Q2 2026. • Ind AS Profit after tax (Ex MTM) for the Q2 2027 stood at ₹ 208 cr, compared to ₹ 277 cr in Q2 2026. Profitability without Flood Loss: • Ind AS Profit before tax (Ex MTM) for the Q2 2027 stood at ₹ 341 cr, compared to ₹ 380 cr in Q2 2026. • Ind AS Profit after tax (Ex MTM) for the Q2 2027 stood at ₹ 255 cr, compared to ₹ 285 cr in Q2 2026. Combined Ratio: - • Combined Insurance Service Ratio (CISR) for Q2 2027 is 99.8%, as compared to 94.9% in Q2 2026. • Combined Insurance Service Ratio (CISR) Ex Flood Loss for Q2 2027 is 97.4%, as compared to 94.5% in Q2 2026. Assets Under Management: - • As on September 30, 2026, assets under management stood at ₹ 24,371 cr at book value, compared to ₹ 21,019 cr as at September 30, 2025, increased by ₹ 3,352 cr, having a growth of 15.9%. Solvency: - • Solvency ratio (basis IGAAP) was at 2.40 x as at September 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 117 Question the status quo 252 Be Transparent Results for the Quarter ended September 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 51 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 op [Showing first 8,000 characters — download PDF for full document]