Conference Call with Go Digit General Insurance Management and Analysts on Q1FY27 Performance and Outlook. Listen to the full earnings transcript.
Go Digit General Insurance announced Q1FY27 results Financial Highlights: Gross Premium Written: Stood at Rs 2,73,086 lakh in Q1FY27, representing a YoY decrease of 8.42% compared to Rs 2,98,180 lakh in Q1FY26 and a marginal QoQ decrease of 0.18% from Rs 2,73,566 lakh in Q4FY26. Net Premium Written: Reported at Rs 2,09,419 lakh for Q1FY27, a growth of 7.36% YoY from Rs 1,95,060 lakh in Q1FY26, but a slight QoQ decline of 0.90% from Rs 2,11,322 lakh in Q4FY26. Net Premium Earned: For Q1FY27, this stood at Rs 2,00,696 lakh, compared to Rs 1,86,500 lakh in Q1FY26 (YoY increase of 7.61%) and Rs 2,30,102 lakh in Q4FY26 (QoQ decrease of 12.78%). Operating Profit: The company recorded an operating profit of Rs 7,039 lakh in Q1FY27, a YoY decline of 41.77% from Rs 12,088 lakh in Q1FY26 and a significant QoQ decrease of 88.48% from Rs 61,095 lakh in Q4FY26. Profit After Tax: Net profit reached Rs 8,639 lakh in Q1FY27, down by 37.55% YoY from Rs 13,833 lakh in Q1FY26 and down 42.18% QoQ from Rs 14,942 lakh in Q4FY26. Business Highlights: Solvency Ratio: The solvency ratio improved to 2.43 in Q1FY27, up from 2.27 in Q1FY26. Segment Performance (Net Premium Earned): Motor: Remained the largest segment with Rs 1,51,011 lakh. Health Group, Corporate: Contributed Rs 36,579 lakh. Fire: Recorded Rs 3,160 lakh. Miscellaneous Retail: Stood at Rs 3,274 lakh. Health Retail: Reached Rs 1,974 lakh. Crop: Stood at Rs 574 lakh. Marine: Contributed Rs 220 lakh. Combined Ratio: The combined ratio stood at 112.3% in Q1FY27, compared to 108.6% in Q1FY26 and 111.6% in Q4FY26. Result PDF
Go Digit General Insurance announced Q4FY26 & FY26 results Q4FY26 Financial Highlights: Gross Premium Written: Rs 2,73,566 lakh (QoQ change: -5.96%, YoY change: +6.18%) Net Premium written: Rs 2,11,322 lakh (QoQ change: -1.63%, YoY change: +3.91%) Premium Earned (Net): Rs 2,30,102 lakh (QoQ change: +6.52%, YoY change: +2.41%) Income from investments (net): Rs 34,136 lakh (QoQ change: +1.18%, YoY change: +20.17%) Total Income: Rs 3,11,171 lakh (QoQ change: +24.58%, YoY change: +8.98%) Profit after tax: Rs 14,942 lakh (QoQ change: +6.66%, YoY change: +29.24%) Earnings per share (Basic): Rs 1.62 (QoQ change: +6.58%, YoY change: +29.60%) FY26 Financial Highlights: Gross Premium Written: Rs 11,29,409 lakh (YoY change: +9.84%) Net Premium written: Rs 8,32,133 lakh (YoY change: +1.10%) Premium Earned (Net): Rs 8,41,434 lakh (YoY change: +4.58%) Income from investments (net): Rs 1,31,274 lakh (YoY change: +18.36%) Total Income: Rs 10,19,723 lakh (YoY change: +7.57%) Profit after tax: Rs 54,435 lakh (YoY change: +28.10%) Net cash flows from operating activities: Rs 2,02,569 lakh (YoY change: +26.29%) Earnings per share (Basic): Rs 5.89 (YoY change: +26.67%) Dividend: No dividend was declared for the period. Business Highlights: Solvency Ratio: The Company’s solvency ratio stood at 2.42 as of March 31, 2026, compared to 2.24 as of March 31, 2025. Scheme of Amalgamation: The Board of Directors approved a scheme of amalgamation between Go Digit Infoworks Services Private Limited ("Transferor Company") and the Company. Combined Ratio: The combined ratio for the full year stood at 110.7% compared to 109.3% in the previous year. Net Retention Ratio: The net retention ratio was 73.7% for the year ended March 31, 2026. Result PDF
Conference Call with Go Digit General Insurance Management and Analysts on Q3FY26 Performance and Outlook. Listen to the full earnings transcript.
Conference Call with Go Digit General Insurance Management and Analysts on Q2FY26 Performance and Outlook. Listen to the full earnings transcript.
Go Digit General Insurance announced Q2FY26 results Profit before tax for the Q2FY26 stood at Rs 136 crore, compared to Rs 89 crore in Q2FY25, grew by 53%. Profit after tax for the Q2FY26 stood at Rs 117 crore, compared to Rs 89 crore in Q2FY25, grew by 31%. Gross Written Premium Income: In Q2FY26, Gross Written Premium of the Company stood at Rs 2,667 crore compared to Rs 2,369 crore. in Q2FY25, recording a growth of 12.6%. Without 1/n basis: Gross Written Premium for Q2FY25 is 2,739 crore, achieving a growth of 15.6%. Assets Under Management: As of September 30, 2025, assets under management stood at Rs 21,345 crore, compared to Rs 18,502 crore as at September 30, 2024 having a growth of 15.4%. Combined Ratio: Combined Ratio for Q2FY26 is 111.4%, as compared to 112.2% in Q2FY25. Without 1/n basis: -Combined Ratio for Q2FY26 is 109.9% as compared to 112.2% in Q2FY25. Solvency: Solvency ratio was at 2.26x as at September 30, 2025 as against 2.24x as at March 31, 2025, higher than the minimum regulatory requirement of 1.50x. Result PDF
General Insurance company Go Digit General Insurance announced Q1FY26 results In Q1FY26, Gross Written Premium of the Company was at Rs 2,982 crore compared to Rs 2,660 crore in Q1FY25, recording a growth of 12.1% Without 1/n basis: Gross Written Premium for Q1FY25 is Rs 3,046 crore, achieving a growth of 14.5%. Profit before tax for the Q1FY26 stood at Rs 161 crore, compared to Rs 101 crore in Q1FY25, grew by 59.4% Profit after tax for the Q1FY26 stood at Rs 138 crore, compared to Rs 101 crore in Q1FY25, grew by 36.6%. As of June 30, 2025, assets under management stood at Rs 20,861 crore, compared to Rs 17,773 crore as at June 30, 2024 having a growth of 17.4%. Combined Ratio for Q1FY26 is 108.6%, as compared to 105.4% in Q1FY25 Solvency ratio was at 2.27x as at June 30, 2025 as against 2.24x as at March 31, 2025, higher than the minimum regulatory requirement of 1.50x. Result PDF
General Insurance company Go Digit General Insurance announced Q4FY25 & FY25 results Financial Highlights: Gross Written Premium Income: - In Q4FY25, Gross Written Premium of the Company was at Rs 2,576 crore compared to Rs 2,336 crore in Q4FY24, recording a growth of 10.3% In FY25, Gross Written Premium of the Company was at Rs 10,282 crore compared to Rs 9,016 crore in FY24, recording a growth of 14.0%. Without 1/n basis: Gross Written Premium for Q4FY25 is 2,652 crore, achieving a growth of 13.5%. Gross Written Premium for FY25 is 10,419 crore, achieving a growth of 15.6%. Profitability: Profit after tax for the Q4FY25 stood at Rs 116 crore, compared to Rs 53 crore in Q4FY24, grew by 118.9%. Profit after tax for the FY25 stood at Rs 425 crore, compared to Rs 182 in FY24, grew by 133.5%. Return on Average Equity (ROAE) for the FY25 stood at 13.0% compared to 7.5% in FY24. Assets Under Management: As of March 31, 2025, our assets under management stood at Rs 19,703 crore, compared to Rs 15,764 crore as at March 31, 2024, growth of 25.0%. Combined Ratio: - Combined Ratio for Q4FY25 is 111.3%, as compared to 108.8% in Q4FY24 Combined Ratio for FY25 is 109.3% compared to 108.7%. Without 1/n basis: Combined Ratio for Q4FY25 is 109.7% as compared to 108.8% in Q4FY24. Combined Ratio for FY25 is 108.6% as compared to 108.7% in FY24. Solvency: Solvency ratio was at 2.24x as at March 31, 2025 as against 1.61x as at March 31, 2024, higher than the minimum regulatory requirement of 1.50x. Result PDF