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NSE:GODIGIT

GO DIGIT GENERAL INS LTD

Financial Services › Insurance·NIFTY SMALLCAP 500
₹257.00
at close · 27 Oct 2026
▼ 10.55 (-3.94%)
ThemesArtificial Intelligence· growing

Latest filings

  1. CRISIL reaffirms AA- rating and improves outlook to positive · Credit & Debt
  2. Promoter Fairfax declared Strategic Buyer for IDBI Bank; Digit to be contributed · Strategic Transactions
  3. Routine compliance certificate under SEBI Depository Regulations for Jul-Sep 2026 quarter · Compliance
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Sells general insurance policies across motor, fire, health, crop, and specialty commercial lines to retail and corporate customers in India. In Q1 FY27, gross written premium was Rs 2,731 cr, with motor market share deliberately cut to 5.6% (down from 6.25% in FY26) as the company prioritised underwriting profitability over top-line growth in a soft pricing market. Within motor, the commercial vehicle book was reduced to 23-24% of motor and two-wheeler retail is the growing franchise; fire grew 34% YoY in FY26 (excluding fire itself) and specialty commercial lines are a new growth engine targeted at Rs 1,000 cr premium over 3-5 years. The combined ratio stood at 105.7% in FY26 and worsened to 112.3% in Q1 FY27, with claims (loss ratio of 73.3%) and commissions being the swing factors — operating expenses ran at 39% of premium, exceeding IRDAI's Expense of Management ceiling and prompting the company to seek forbearance rather than write loss-making business. The insurer is the first multi-line general insurer in India to publish results under Indian Accounting Standards, manages Rs 23,377 cr of AUM, and reports a solvency ratio of 2.43x, comfortably above the regulatory floor. A pending amalgamation with Go Digit Infoworks Services has received CCI approval (Fairfax affiliates would hold 57.28% post-merger), but still awaits NCLT and IRDAI clearances.

Operating scale
Gross written premium (Q1 FY27)
Rs 2,731 crQ1 FY27
Net premium earned (Q1 FY27)
Rs 2,007 crQ1 FY27
Assets under management
Rs 23,377 crQ1 FY27
Solvency ratio
2.43xQ1 FY27
Motor market share
5.6%Q1 FY27
Combined ratio (FY26)
105.7%FY26
Who pays it
Indian retail and corporate policyholders buying motor, health, fire, crop, and specialty commercial cover
Biggest cost
Insurance claims and losses, with commissions and operating expenses running at 39% of premium in Q1 FY27 — above IRDAI's Expense of Management ceiling
Kind of business
Cyclical general insurer in a soft pricing phase, prioritising underwriting discipline and combined-ratio improvement over top-line growth
Where it sits
First multi-line general insurer in India to publish audited Ind AS results; solvency of 2.43x is well above the regulatory floor, and Ind AS net worth is Rs 7,600 cr versus IGAAP net worth of Rs 4,600 cr
Market Cap
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P / E (TTM)
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EV / EBITDA
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Div Yield
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Growth
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Revenue 5y CAGR
PAT — · EBITDA —
Quality
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ROCE (FY26)
ROE — · margin —
Leverage
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Debt / Equity · not read for a lender
Moves on a normal day
0.90%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 12 Insurance peersBar = share of peers beaten · tick = industry median · latest reported figures
Profit growth#10/12

Scorecard

Measured from the filed financials, judged against its Insurance peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

GODIGIT · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from GO DIGIT GENERAL INS LTD's filed financials and exchange disclosures

What does GO DIGIT GENERAL INS LTD do?

GO DIGIT GENERAL INS LTD is a Insurance company listed on NSE and BSE, trading under the symbol GODIGIT.

Is GO DIGIT GENERAL INS LTD profitable?

Yes. Over the trailing twelve months GO DIGIT GENERAL INS LTD reported a net profit of ₹492 Cr.

Does GO DIGIT GENERAL INS LTD pay a dividend?

Not in the latest reported year — GO DIGIT GENERAL INS LTD's dividend payout for FY26 was nil.

How much does the GO DIGIT GENERAL INS LTD share price move in a day?

On a typical session GO DIGIT GENERAL INS LTD moves 0.90% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track GO DIGIT GENERAL INS LTD's announcements?

Every NSE and BSE filing by GO DIGIT GENERAL INS LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.