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. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Motor insurance, Health insurance, Fire and engineering insurance, Crop insurance, Specialty commercial lines. Cyclical general insurer in a soft pricing phase, prioritising underwriting discipline and combined-ratio improvement over top-line growth
| ₹ crore · consolidated | FY25 | FY26 |
|---|---|---|
| Revenue | — | — |
| EBITDA (ex other income) | — | — |
| margin % | — | — |
| Owners' profit | 425 | 544 |
| EPS, as reported (₹) | — | — |
| ROE % · ROCE % | — · — | — · — |
| Debt / equity (x) | — | — |
| Cash from operations | 1,604 | 2,026 |
| Capex | (18) | (17) |
| ₹ crore | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Profit before tax | — | — | — | — | — | — |
| Net profit | 116 | 138 | 117 | 140 | 149 | 86 |
| EPS (₹) | — | — | — | — | — | — |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| GO DIGIT GENERAL INS LTD ◆ | — | — | — | — | — | — | — | — |
| THE NEW INDIA ASSU CO LTD | — | — | — | — | — | — | — | — |
| STAR HEALTH & AL INS CO L | — | — | — | — | — | — | — | — |
| ICICI LOMBARD GIC LIMITED | — | — | — | — | — | — | — | — |
| GENERAL INS CORP OF INDIA | — | — | — | — | — | — | — | — |
| NIVA BUPA HEALTH INS CO L | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · Independent Director Mr. Giridhar Aramane resigns from Go Digit board | management changes | medium | — | — |
| 1 Sept 2026 · CCI detailed order received for Go Digit Infoworks amalgamation scheme | strategic transactions | high | — | — |
| 21 Aug 2026 · Go Digit to meet analysts and investors on August 28 in Mumbai | board shareholder meetings | low | — | — |
| 20 Aug 2026 · 10th AGM results: both resolutions passed with requisite majority | board shareholder meetings | low | — | — |
| 18 Aug 2026 · Go Digit holds 10th AGM; FY26 financials adoption and director reappointment tabled | board shareholder meetings | medium | — | — |
| 18 Aug 2026 · Go Digit 10th AGM held; 2 ordinary resolutions placed | board shareholder meetings | low | — | — |
| 14 Aug 2026 · NCLT allows first motion for amalgamation of promoter with Go Digit | strategic transactions | high | — | — |
| 11 Aug 2026 · Analysts/institutional investors meet on 14 Aug 2026 | board shareholder meetings | low | — | — |
| 30 Jul 2026 · Go Digit Q1 FY27 earnings call transcript filed | investor communications | medium | — | — |
| 29 Jul 2026 · CCI approves Go Digit amalgamation scheme | strategic transactions | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| — |
| — |
| — |
| — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| Profit growth | (37.5) | 21.9 | 10 of 12 | 18% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
