Go Digit General Insurance Ltd.
GODIGITFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
10 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 10 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20240621 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240801 | 2024-06-30 | yes | |
| TRANSCRIPT | 20250731 | 2024-06-30 | yes | |
| TRANSCRIPT | 20250127 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250505 | 2025-03-31 | yes | |
| TRANSCRIPT | 20251103 | 2025-09-30 | yes | |
| TRANSCRIPT | 20251229 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260129 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260506 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260730 | 2026-06-30 | yes |
GODIGIT
files the general-insurance revenue and shareholders’ accounts. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | insurance general |
| Scope served | standalone |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 250.30 |
| 52-week range | 239.0 – 365.6 |
| Return 1M | -3.28% |
| Return 3M | -19.94% |
| Return 1Y | -30.25% |
| Return 3Y | not reported for this period |
| Return 5Y | not reported for this period |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Premium earned | 2,007.00 |
| Net premium written | 2,094.00 |
| Income from investments, net | 352.00 |
| Claims incurred | 1,472.00 |
| Claims paid | 1,047.00 |
| Commission, net | 615.00 |
| Operating expenses related to insurance business | 202.00 |
| Premium deficiency | 0.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.73 | -0.00 |
| institutions foreign | 0.08 | 0.00 |
| institutions domestic | 0.15 | 0.00 |
| mutual funds | 0.09 | 0.01 |
| public | 0.27 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 10 |
Financial statements
Filed results, standalone, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|
| Net cash from operating activities | 1,604.00 | 882.00 | 2,026.00 |
| Net cash from investing activities | -2,837.00 | -968.00 | -2,019.00 |
| Net cash from financing activities | 1,092.00 | -13.00 | -28.00 |
| Purchase of property, plant and equipment | 18.00 | 9.00 | 17.00 |
| Net increase in cash | -141.00 | -98.00 | -22.00 |
| con:CFO.BEFORE_TAX | 1,604.00 | 882.00 | 2,107.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 0.00 | 0.00 | 81.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 10,455.00 | 2,909.00 | 6,776.00 |
| con:INVESTMENTS_SOLD | 6,541.00 | 1,285.00 | 3,416.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 |
Revenue account (policyholders), as filed
| Line | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|
| Premium earned | 8,046.00 | 1,865.00 | 2,088.00 | 2,160.00 | 8,414.00 | 2,007.00 |
| Net premium written | 8,231.00 | 1,951.00 | 2,109.00 | 2,148.00 | 8,321.00 | 2,094.00 |
| Income from investments, net | 1,109.00 | 314.00 | 320.00 | 337.00 | 1,313.00 | 352.00 |
| Claims incurred | 5,859.00 | 1,311.00 | 1,524.00 | 1,567.00 | 6,133.00 | 1,472.00 |
| Claims paid | 3,872.00 | 903.00 | 1,098.00 | 1,311.00 | 4,487.00 | 1,047.00 |
| Commission, net | 2,228.00 | 572.00 | 603.00 | 603.00 | 2,344.00 | 615.00 |
| Operating expenses related to insurance business | 778.00 | 175.00 | 207.00 | 217.00 | 803.00 | 202.00 |
| Premium deficiency | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Underwriting profit or loss | -819.00 | -194.00 | -246.00 | -226.00 | -866.00 | -282.00 |
| Transfer to the profit and loss account | 615.00 | 121.00 | 74.00 | 112.00 | 917.00 | 70.00 |
Profit and loss account (shareholders), as filed
| Line | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|
| Income in the shareholders' account | 831.00 | 179.00 | 154.00 | 185.00 | 1,198.00 | 139.00 |
| Shareholders' income from investments | 216.00 | 57.00 | 80.00 | 73.00 | 278.00 | 68.00 |
| Shareholders' other income | 0.00 | 1.00 | 1.00 | 0.00 | 2.00 | 0.00 |
| Transfer from the policyholders' account | 615.00 | 121.00 | 74.00 | 112.00 | 917.00 | 70.00 |
| Non-operating expense | 406.00 | 18.00 | 19.00 | 22.00 | 566.00 | 24.00 |
| Profit before exceptional items and tax | 425.00 | 161.00 | 136.00 | 163.00 | 632.00 | 115.00 |
| con:EXTRAORDINARY_ITEMS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit for the period | 425.00 | 138.00 | 117.00 | 140.00 | 544.00 | 86.00 |
| Profit carried to the balance sheet | 425.00 | 138.00 | 117.00 | 140.00 | 544.00 | 86.00 |
| Transfer to reserves | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Final dividend | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings per share, basic | 4.62 | 1.49 | 1.26 | 1.51 | 5.88 | 0.93 |
| Other income | 324.00 | 0.00 | 0.00 | 0.00 | 470.00 | 1.00 |
| con:OTHER_OPERATING_EXPENSES | 456.00 | 85.00 | 116.00 | 121.00 | 434.00 | 103.00 |
| con:INS.PROVISIONS_DOUBTFUL | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INS.PROVISIONS_DOUBTFUL_NON_OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 10.00 | 2.00 |
| con:INS.NON_OPERATING_EXPENSE_OTHER | 406.00 | 18.00 | 19.00 | 22.00 | 556.00 | 22.00 |
Funds and assets, as filed
| Line | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|
| Paid-up equity share capital | 923.00 | 923.00 | 923.00 | 924.00 | 924.00 | 925.00 |
| Investments — policyholders' fund | 15,528.00 | 16,308.00 | 16,947.00 | 17,961.00 | 18,294.00 | 18,669.00 |
| Investments — shareholders' fund | 3,936.00 | 4,368.00 | 4,257.00 | 4,437.00 | 4,409.00 | 4,785.00 |
| Other assets net of current liabilities | -14,800.00 | -15,722.00 | -16,195.00 | -17,162.00 | -17,667.00 | -18,100.00 |
| Total assets | 4,664.00 | 4,954.00 | 5,009.00 | 5,235.00 | 5,036.00 | 5,354.00 |
| Investments | 19,464.00 | 20,676.00 | 21,204.00 | 22,397.00 | 22,703.00 | 23,454.00 |
| Reserves and surplus | 3,441.00 | — | 3,453.00 | — | 3,716.00 | — |
| Borrowings | 350.00 | — | 350.00 | — | 350.00 | — |
| con:LOANS | 0.00 | — | 0.00 | — | 0.00 | — |
| Property, plant and equipment | 162.00 | — | 159.00 | — | 157.00 | — |
| Current assets | 1,835.00 | — | 1,927.00 | — | 2,091.00 | — |
| Current liabilities | 12,904.00 | — | 14,278.00 | — | 16,114.00 | — |
| con:PROVISIONS | 3,893.00 | — | 4,003.00 | — | 3,803.00 | — |
Solvency and underwriting ratios, as filed
| Line | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|
| Solvency ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Combined ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Incurred claim ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Expenses of management ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPAs — policyholders' fund | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPAs, per cent — policyholders' fund | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INS.NPA_NET_PCT_POLICYHOLDERS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INS.SHAREHOLDING_PCT | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2024-05-23 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 73.58 | 73.58 | 73.28 | 73.18 | 73.12 | 73.10 | 0.73 | 0.73 | 0.73 | 0.73 |
| Domestic institutions | 14.78 | 16.22 | 15.58 | 15.18 | 15.27 | 14.39 | 0.14 | 0.14 | 0.15 | 0.15 |
| Mutual funds | — | — | — | — | — | 6.57 | 0.07 | 0.08 | 0.08 | 0.09 |
| Insurance companies | 0.29 | 0.29 | 0.16 | 0.14 | 0.14 | 0.15 | 0.00 | 0.00 | 0.00 | 0.00 |
| Foreign institutions | 4.31 | 5.10 | 5.52 | 6.47 | 7.85 | 8.28 | 0.08 | 0.08 | 0.08 | 0.08 |
| Government | — | — | — | — | — | — | — | — | 0.00 | 0.00 |
| Public | 26.42 | 26.42 | 26.72 | 26.82 | 26.88 | 26.90 | 0.27 | 0.27 | 0.27 | 0.27 |
| Non-institutional | 7.33 | 5.10 | 5.63 | 5.17 | 3.76 | 4.23 | 0.04 | 0.04 | 0.04 | 0.04 |
| Shares outstanding | 917202340 | 917202340 | 920981495 | 922244580 | 923025934 | 923278176 | 923348120 | 924287149 | 924499031 | 924603078 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Go Digit Infoworks Services Private Limited | Holding Company | Any other transaction, Purchase of goods or services | 82,163,000.00 | 6 |
| Go Digit Life Insurance Limited | Company in which director is inte | Any other transaction, Purchase of goods or services | 41,804,000.00 | 5 |
| Jasleen Kohli | MD & CEO | Any other transaction, Remuneration | 24,748,000.00 | 2 |
| Ravi Khetan | KMP | Any other transaction, Remuneration | 8,681,000.00 | 2 |
| Tejas Saraf | KMP | Any other transaction, Remuneration | 2,432,000.00 | 3 |
| Christof Mascher | Independent Director | Any other transaction | 1,900,000.00 | 1 |
| Vandana Gupta | Independent Director | Any other transaction, Sale of goods or services | 1,556,000.00 | 2 |
| Rajendra Beri | Independent Director | Any other transaction | 1,200,000.00 | 1 |
| Philip Varghese | Director of holding company | Sale of goods or services | 710,000.00 | 1 |
| Mahender Kumar Garg | Independent Director | Any other transaction | 400,000.00 | 1 |
| Aadesh Goyal | Relative of director | Any other transaction, Sale of goods or services | 270,000.00 | 2 |
| Amrish Goyal | Relative of director | Any other transaction, Sale of goods or services | 103,000.00 | 2 |
| Ravindra Kumar Sharma | Relative of director | Sale of goods or services | 10,000.00 | 1 |
| Mohinder Singh kohli | Relative of director/KMP | Sale of goods or services | 4,000.00 | 1 |
| Ria Ann Philip | Relative of director of holding co | Sale of goods or services | 3,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-30 | Q1FY27 | REPORTING AND INVESTOR RELATIONS | Read the call |
| 2026-05-06 | Q4FY26 | FINANCIAL REPORTING, REPORTING AND INVESTOR RELATIONS | Read the call |
| 2026-01-29 | Q3FY26 | Read the call | |
| 2025-12-29 | Q2FY26 | DIGIT GENERAL INSURANCE LIMITED, GENERAL INSURANCE LIMITED | Read the call |
| 2025-11-03 | Q2FY26 | Read the call | |
| 2025-07-31 | Q1FY25 | Read the call | |
| 2025-05-05 | Q4FY25 | INSURANCE LTD. | Read the call |
| 2025-01-27 | Q3FY25 | Read the call | |
| 2024-08-01 | Q1FY25 | GENERAL INSURANCE LIMITED, LIMITED | Read the call |
| 2024-06-21 | Q4FY24 | DIGIT GENERAL INSURANCE, DIGIT GENERAL INSURANCE LIMITED, GENERAL INSURANCE LIMITED | Read the call |
What they said about it, quarter by quarter
| Topic | Q1FY25 | Q1FY27 | Q2FY26 | Q3FY25 | Q3FY26 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capital allocation | On the other hand, a business that are combined of 110 can actually give you a positive ROE if the acquisition cost from that business is low. | Warren Buffett got, I think, amongst his early acquisitions, even before GEICO, if I remember, was an acquisition called as National Indemnity. | We are also seeing that this year, as of 30th September, we had deferred acquisition cost post tax of INR 1,708 crores. | — | The only difference is that acquisition cost Go Digit General Insurance Limited January 22, 2026 which is getting deferred here over the policy premiu… | Answering your question as to how we look at distribution etcetera I think we as a company are channel agnostic which basically means that we try and … | — | But as previous quarters, we have already provided for INR109 crores of acquisition cost already on this unearned premium. |
| Debt and cash | Because cash flow, I think we have been having positive cash flow from almost the first or the second quarter since we started. | First one is, I mean, from a more of a medium-term industry dynamics perspective, I mean, on one hand, we have this issue of pressure on profitability… | — | — | — | — | — | — |
| Guidance | And that is why it becomes almost impossible for us to give any kind of a forward guidance because we look at the opportunities, the rate, supply and … | And as some of you have noticed in the past, occasionally with some frustration, we do not give guidance. | This INR 117 crores is at a tax rate of 14%, which we expect to be for the entire year. | And if we look at quarter 4, I'm not giving any guidance. | And we expect even in the next quarter, the tax rate to be 14%. | What exactly that number would be that we will know only on 30th of June, but we expect the solvency ratio to go beyond 200% definitely. | Supratim, since we do not give a guidance, so I do not want to exactly speak as to what we are looking at. | Supratim, you know that we don't give any sort of a guidance because our experience is that whatever guidance you give, which is based on how the mark… |
| Margin | So we needed a lot of capital for the solvency margin perspective itself, not from a cash flow. | — | — | — | I think when we look at from a capital allocation perspective at 230% solvency margin, if we move, for example, to 12.5% of our AUM in equity, and you… | — | — | — |
| Pricing | The challenge we have seen in Motor TP business in the last 3 years is that there's hardly been any price increase. | Pricing across most lines of business has drifted down, and now it is down across the board. | So, I think on the OD side, the impact is more on the new vehicles because the pricing, at least in digit, we do is more related to the bond cost and … | In case of fire business I think we are seeing some market discipline in pricing from 1st of January. | 38 crores, because we did not accept the government health business in this quarter, the same business which we wrote last year, because in our view, … | Go Digit General Insurance Limited June 14, 2024 As far as I think the de-tariffing goes, our view is that sooner or later, one should have de- tariff… | But I think the smaller policies which were due now, say, during the month, not exactly on 1st of April, there I would say we have seen some improveme… | So I think we'll wait for this, but the capability building for crop has been going on for some time and we would participate in crop on the direct si… |
| Revenue growth | — | — | Others is only an area where we have degrown at minus 19% compared to industry's degrowth of minus 5%. | So, in third quarter, growth looks a little better at 6 percentage compared to industry growth of 8 percentage. | 2,115 crores, which is a growth of 20.9. | — | And if you also look at from an AUM increase perspective, from a business side though the growth was slower this year compared to the earlier year, on… | So over a period of 1 year, we have added more than INR3,200 crores of AUM, which is a growth of about 16.3%. |