Go Digit General Insurance Limited · NSE:GODIGIT
Go Digit General Insurance — H1 FY2027 Earnings Presentation
21 slides from Go Digit General Insurance's earnings presentation, Nov 5, 2026
Slide 1: Exchange intimation under Regulation 30
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 Regul
Slide 2: Underwriting Discipline Sustained Amid a Soft Market
"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 T
Slide 3: About the Company
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,
Slide 4: Making insurance simple
Making insurance simple Value Statements Question the status quo Be Transparent Results for the Quarter ended September 30, 2026 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) ₹ 5,302 cr. 3.0 / 5.6 90 Market share for Total / Motor Active products launched since insurance 2017 0.88 cr policies sold (1) Partner network (3) Claims settled since inception (3) 9.4 cr. 84,128 48.0 Lacs
Slide 8: Key Performance Indicators
Key Performance Indicators ₹ cr Insurance Revenue: Gross Earned Premium Particulars Q2 2026 H1 2026 FY 2026 Q2 2027 H1 2027 *Net worth (Ind AS): Paid up share Capital+ Reserves & Surplus + ESOP Reserves Insurance Revenue 2,675 5,152 10,988 2,720 5,386 **Return on Average Equity: Calculated as Profit
Slide 9: Ind AS Financial Statements
Ind AS Financial Statements ₹ cr Q2 2026 H1 2026 FY 2026 Q2 2027 H1 2027 Particulars (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) Insurance Revenue (A) 2,675 5,152 10,988 2,720 5,386 Insurance Service Expense (B) (2,131) (4,320) (9,749) (2,608) (5,070) - Claims (B1) (1,289) (2,740) (6
Slide 10: GDPI Growth
GDPI Growth 9,846 4,887 4,798 2,379 2,351 H1 2026 FY 2026 H1 2027 Q2 2026 Q2 2027 GDPI Mix GDPI Growth Industry GDPI Growth Industry GDPI Growth Industry GDPI Mix (%) GDPI Mix (%) (%) (%) Growth (%) (%) Growth (%) (%) Growth (%) Segments FY 2026 FY 2026 FY 2026 H1 2026 H1 2027 H1 2027 H1 2027 Q2 202
Slide 11: GWP Growth
GWP Growth 11,294 5,649 5,302 2,667 2,571 H1 2026 FY 2026 H1 2027 Q2 2026 Q2 2027 GWP Mix GWP Growth Industry GDPI GWP Growth Industry GDPI GWP Growth Industry GDPI GWP Mix (%) GWP Mix (%) (%) (%) Growth (%) (%) Growth (%) (%) Growth (%) Segments FY 2026 FY 2026 FY 2026 H1 2026 H1 2027 H1 2027 H1 20
Slide 12: Combined Insurance Service Ratio and Profit before tax
Combined Insurance Service Ratio (%) Profit before tax (Ex MTM & Flood loss) ₹ cr CISR w/o Flood 94.5 95.1 97.0 97.4 97.2 1,257 99.8 98.4 95.3 97.3 94.9 309 37.4 37.5 30 38.7 42.2 46.7 700 660 174 150 10 380 919 63 341 58.6 62.4 60.9 53.2 93 48.2 10 70 516 63 447 277 208 Q2 2026 H1 2026 FY 2026 Q2 2
Slide 13: Assets under management and Investment Performance
Assets under management Investment Performance ₹ cr ₹ cr Investment Leverage Yield % Overall – 7.4 * Not Annualized Debt – 7.6 24,371 1,588 22,883 75 21,019 5.2 5.0 4.9 1,486 2 Overall – 3.7* 3,422 Debt – 3.8* 1,563 Overall – 3.7* 2 6 Debt – 3.7* 875 769 43 35 1,512 Overall – 1.9* Overall – 1.9* Deb
Slide 14: Investment Asset Allocation
Investment Asset Allocation (%) Rating Wise Exposure Sector Wise Exposure H1 2026 FY 2026 H1 2027 Equity 6.8 7.6 8.6 REITs & InvITs 0.5 0.7 1.0 H1 2026 FY 2026 H1 2027 Reverse Repo 0.5 0.6 0.4 Others 6.0 6.8 8.1 AT1 Bonds 10.6 10.5 9.8 Money Market 0.5 0.3 0.4 AA- & equivalent 0.5 0.5 0.4 Banking an
Slide 15: Claims Ratios (%) [Ind AS – Gross, Discounted]
Claims Ratios (%) [Ind AS – Gross, Discounted] Particulars Q2 FY26 H1 FY26 FY 2026 Q2 FY27 H1 FY27 Motor Total 51.1 55.1 56.1 58.4 56.7 Motor OD 71.1 70.3 71.9 80.3 77.3 Motor TP 39.5 46.2 46.7 45.2 44.3 Health, Travel & PA 81.7 76.2 76.5 77.0 76.3 Fire -37.2 6.5 40.0 46.6 52.8 Marine 85.2 76.9 57.0
Slide 16: Thank You
Thank You 13 PRIVATE AND CONFIDENTIAL
Slide 17: Additional Information
Additional Information 14 PRIVATE AND CONFIDENTIAL
Slide 18: Reserving Triangle Disclosure: Whole Account
Reserving Triangle Disclosure: Whole Account Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr IGAAP Net Basis : As at YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- 31st March 2026 2018 2019 2020 2021 2022 2023 2024 2025 2026 End of
Slide 19: Reserving Triangle Disclosure: Motor TP
Reserving Triangle Disclosure: Motor TP Incurred Losses and Allocated Expenses (Ultimate Movement) ₹ cr IGAAP Net Basis : As at YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- 31st March 2026 2018 2019 2020 2021 2022 2023 2024 2025 2026 ₹ cr End of
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 IGAAP Net Basis : As at YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- YE 31-Mar- 31st March 2026 2018 2019 2020 2021 2022 2023 202
Slide 21: Glossary
Glossary Abbreviations Full Form Abbreviations Full Form FY Financial Year GWP Gross Written Premium Q Quarter DAC Deferred Acquisition Cost OD Own Damage OCI Other Comprehensive Income TP Third Party GDPI Gross Direct Premium Income RI Re-insurance CY Current Year P&L Profit and Loss Account PY Pre
Go Digit General Insurance — H1 FY2027 Earnings Presentation on 6ix