| Annual Financials | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 1,419 | 2,252 | 3,841 | 5,886 | 8,615 | 9,696 | 10,082 |
| Expenses | 1,594 | 2,375 | 4,137 | 5,850 | 8,410 | 9,216 | 9,551 |
| EBITDA | -175 | -123 | -296 | 36 | 206 | 479 | 530 |
| Operating Profit % | -17 % | -9 % | -10 % | -1 % | 0 % | 3 % | -15 % |
| Depreciation | 0 | 0 | 0 | 0 | 18 | 20 | 0 |
| Interest | 0 | 0 | 0 | 0 | 6 | 34 | 0 |
| Profit Before Tax | -175 | -123 | -296 | 36 | 182 | 425 | 530 |
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 22 |
| Net Profit | -175 | -123 | -296 | 36 | 182 | 425 | 508 |
| EPS in ₹ | -0.24 | -1.50 | -3.55 | 0.41 | 2.08 | 4.65 | 5.30 |
Go Digit General Insurance
Go Digit General Insurance
355.75
+0.70
(0.20%)
Key Fundamentals
Market Cap
32,782.20 Cr
EPS
4.65
PE Ratio
64.69
Dividend Yield
0.00 %
Industry
Insurance 52 Week High
381.40
52 Week Low
264.60
PB Ratio
7.09
Debt to Equity
0.10
Sector
General Insurance Analyst Rating and Forecast
- By Refinitiv from10 analysts
Actual
Company News
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Go Digit General Insurance reported quarterly premium of INR 2,667 crores with a growth rate of 15.6% without I/n basis, outpacing industry growth of 10%. The company achieved its highest-ever Motor OD market share of 6.2% since inception. H1 premium reached INR 5,649 crores with overall market share of 3.4% and Motor market share of 6.5%. Profit before tax increased to INR 136 crores from INR 89 crores, while profit after tax was INR 117 crores at 14% tax rate. Combined ratio improved to 109.9% compared to 112.2% in the same quarter last year on a without I/n basis. The company's two-wheeler business now comprises 30% of motor mix, up from 27% last year, though this impacts profitability as commission for 5 years is provided upfront while premium is earned over the policy period. Assets under management increased to INR 21,345 crores with solvency ratio of 2.26. The company disclosed deferred acquisition cost of INR 1,708 crores as of September 30, with INR 710 crores expected to benefit H2 results. Net worth increased to INR 4,290 crores from INR 3,805 crores last year.
Go Digit General Insurance Limited released its 13th Transparency Report covering the first half of fiscal year 2025-26. The company reported significant improvements in claims processing times across health and motor insurance. For health insurance, cashless pre-authorization averaged 26.9 minutes with fastest approval in 7 minutes, hospital discharge approvals averaged 52.5 minutes, and reimbursement claims were settled in an average of 2.4 days. Motor insurance work approval times improved by 52 minutes to 14 hours 44 minutes overall. Customer service metrics showed enhanced performance with social media first response time improving from 20 minutes to 6 minutes 15 seconds, and social media closure time dropping from 32.5 hours to 20.5 hours. The company's claims settlement ratio increased to 97.2% from 96.2% in the previous period. Go Digit also received 11 awards during the period, including the Best Fintech Insurance Award at the Financial Express Best Banks Awards 2025.
GoDigit General Insurance Seeks Shareholder Approval for ESOP Amendment and Director Appointments
Oct 30, 2025
Oct 30, 2025GoDigit General Insurance has issued a postal ballot notice seeking shareholder approval for three key resolutions. The company proposes to amend its Employee Stock Option Plan 2018 by extending the exercise period from 4 years to 8 years from the date of vesting. Additionally, shareholders will vote on appointing Giridhar Aramane as Non-Executive Independent Director for a five-year term and Michael Wallace as Non-Executive Director. The e-voting period runs from October 31, 2025, to November 29, 2025, with results to be announced by December 2, 2025. Giridhar Aramane is a former IAS officer with over 30 years of public service experience, including roles as Defense Secretary and Executive Director at IRDAI. Michael Wallace brings over 30 years of property casualty insurance experience and currently serves as Vice President at Fairfax Financial Holdings Limited.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
2,028.60 | #1 99,294.10 | 36.05 | 24,000.80 | 16.45 | 2,508 | 18.08 | 58.30 | |
386.90 | 67,500.50 | #1 7.92 | #1 49,924.60 | 7.53 | #1 6,974 | #1 80.67 | 57.50 | |
355.75 | #3 32,782.20 | #5 64.69 | #5 9,695.50 | #4 12.54 | #5 425 | #3 51.51 | 48.70 | |
185.26 | 30,118.80 | 25.52 | 43,634.00 | 0.32 | 972 | 65.38 | 45.46 | |
497.60 | 28,809.50 | 54.88 | 16,113.00 | 14.87 | 646 | -50.67 | 61.19 | |
76.45 | 14,031.10 | 152.84 | 5,529.70 | #1 27.52 | 214 | -371.54 | 47.96 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
12.54 %
Net Income Growth
133.85 %
Cash Flow Change
-6.77 %
ROE
74.43 %
ROCE
108.60 %
EBITDA Margin (Avg.)
106.69 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3,893 | 585 | 1,037 | 1,536 | 3,793 | 4,962 |
| Fixed Assets | 21 | 22 | 125 | 161 | 173 | 215 |
| Current Assets | 330 | 472 | 652 | 939 | 1,388 | 1,835 |
| Capital Work in Progress | 67 | 81 | 24 | 1 | 3 | 1 |
| Investments | 3,476 | 5,430 | 9,247 | 12,389 | 15,408 | 19,464 |
| Other Assets | 330 | -4,948 | -8,359 | -11,015 | -11,790 | -14,718 |
| Total Liabilities | 3,893 | 1,294 | 2,072 | 2,442 | 3,793 | 4,962 |
| Current Liabilities | 2,780 | 4,774 | 8,070 | 11,048 | 13,889 | 16,797 |
| Non Current Liabilities | -3 | 3 | 1 | 2 | 350 | 350 |
| Total Equity | 1,116 | 1,872 | 2,919 | 3,345 | 3,443 | 4,612 |
| Reserve & Surplus | 299 | 955 | 1,949 | 2,357 | 2,364 | 3,409 |
| Share Capital | 817 | 825 | 859 | 874 | 875 | 923 |
Cash Flow
| Cash Flow | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -39 | 86 | -13 | 133 | 77 | -141 |
| Investing Activities | -2,057 | -1,637 | -3,487 | -2,514 | -1,986 | -2,837 |
| Operating Activities | 1,199 | 1,563 | 2,479 | 2,250 | 1,721 | 1,604 |
| Financing Activities | 820 | 159 | 995 | 397 | 342 | 1,092 |
Share Holding
| % Holding | Aug 2022 | Mar 2023 | May 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 83.66 % | 83.48 % | 73.58 % | 73.58 % | 73.28 % | 73.18 % | 73.12 % | 73.10 % | 73.09 % |
| FIIs | 0.00 % | 0.00 % | 4.31 % | 5.10 % | 5.52 % | 6.47 % | 7.85 % | 8.28 % | 8.47 % |
| DIIs | 0.00 % | 0.00 % | 14.78 % | 16.22 % | 15.58 % | 15.18 % | 15.27 % | 14.39 % | 14.13 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 0.00 % | 3.90 % | 1.86 % | 2.31 % | 2.10 % | 2.23 % | 2.54 % | 2.60 % |
| Others | 16.34 % | 16.52 % | 3.43 % | 3.24 % | 3.31 % | 3.08 % | 1.53 % | 1.69 % | 1.71 % |
| No of Share Holders | 523 | 542 | 610 | 67,000 | 63,484 | 66,301 | 71,321 | 66,167 | 65,851 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 14 Aug 2024 |  Annual General Meeting | NA | 14 Aug 2024 | 337.95 | 348.35 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 374.90 | 347.55 |
| 22 Jan 2025 | Quarterly Result Announcement | NA | 22 Jan 2025 | 333.80 | 291.60 |
| 28 Apr 2025 | Quarterly Result Announcement | NA | 28 Apr 2025 | 279.20 | 298.65 |
| 28 Jul 2025 | Quarterly Result Announcement | NA | 28 Jul 2025 | 354.10 | 348.65 |
| 06 Aug 2025 | Annual General Meeting | NA | 06 Aug 2025 | 334.50 | 355.40 |
| 28 Oct 2025 | Quarterly Result Announcement | NA | 28 Oct 2025 | 359.65 | 353.10 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation6 days ago
6 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Newspaper PublicationOct 31, 2025
Oct 31, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotOct 30, 2025
Oct 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 28, 2025
Oct 28, 2025Un-Audited Financial Results For Q2 And H1 Of FY 2025-26Oct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 28, 2025
Oct 28, 2025Board Meeting Outcome for Board Meeting Outcome For Unaudited Financial Results For Q2 And H1 FY 2025-26Oct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 17, 2025
Oct 17, 2025Board Meeting Intimation for Board Meeting Intimation For Unaudited Financial Results For The Quarter And Half Year Ended 30-09-2025Oct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 13, 2025
Oct 13, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement Under Regulation 30 Read With Sch III Part A Para B(8) - Show Cause Notice From GST AuthoritySep 25, 2025
Sep 25, 2025Announcement Under Reg 30 Part A Para B(8) - Show Cause Notice From GST AuthoritySep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 29, 2025
Aug 29, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotAug 26, 2025
Aug 26, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 11, 2025
Aug 11, 2025Disclosure under Regulation 30A of LODRAug 11, 2025
Aug 11, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Meeting UpdatesAug 06, 2025
Aug 06, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 06, 2025
Aug 06, 2025Grant Of Esops Under Companys Employee Stock Option Plan 2018Aug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Announcement Under Reg 30 - Reply To BSE Email Received On 30Th July 2025Jul 30, 2025
Jul 30, 2025Clarification sought from Go Digit General Insurance LtdJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 28, 2025
Jul 28, 2025Results- Q1 FY 2025-26Jul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 28, 2025
Jul 28, 2025Board Meeting Outcome for Outcome Of Board Meeting For Approving Financial Results For Q1 FY 2025-26Jul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 23, 2025
Jul 23, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 18, 2025
Jul 18, 2025Board Meeting Intimation for Intimation Pursuant Regulation 29 Of SEBI Listing Regulations 2015 Regarding Board Meeting.Jul 17, 2025
Jul 17, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 15, 2025
Jul 15, 2025Notice Of Annual General Meeting Scheduled On 6Th August 2025Jul 14, 2025
Jul 14, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 14, 2025
Jul 14, 2025Reg. 34 (1) Annual Report.Jul 14, 2025
Jul 14, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Jul 10, 2025Intimation Of The 9Th Annual General Meeting Of The CompanyJul 10, 2025
Jul 10, 2025Disclosure Under Regulation 30 Of SEBI Listing RegulationsJul 04, 2025
Jul 04, 2025Mutual Fund Holdings
Mirae Asset Midcap Fund Direct - Growth 
Edelweiss Small Cap Fund Direct - Growth 
Sundaram Focused Fund Direct-Growth 
Bajaj Finserv Flexi Cap Fund Direct-Growth 
Bajaj Finserv Small Cap Fund Direct-Growth 
Invesco India Multicap Fund Direct-Growth 
Aditya Birla Sun Life Consumption Direct Fund-Growth 
ITI Banking and Financial Services Fund Direct - Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth 
HDFC Nifty Smallcap 250 Index Fund Direct-Growth 
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth 
SBI Nifty 500 Index Fund Direct-Growth 
Navi Nifty 500 Multicap 50:25:25 Index Fund Direct-Growth 
Kotak Nifty Smallcap 250 Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 47.93
ATR(14)
Less Volatile 9.42
STOCH(9,6)
Neutral 36.29
STOCH RSI(14)
Neutral 28.08
MACD(12,26)
Bearish -0.25
ADX(14)
Weak Trend 23.42
UO(9)
Bearish 44.87
ROC(12)
Uptrend And Accelerating 0.13
WillR(14)
Neutral -74.31
About Go Digit General Insurance
Go Digit General Insurance Limited is a digital full stack insurance company incorporated in 2016 in Pune, Maharashtra. It offers various non-life insurance products including motor, health, travel, property, marine, and liability insurance. The company leverages technology for product design, distribution, and customer experience, operating entirely on cloud and utilizing artificial intelligence and machine learning. Go Digit distributes its products through a partnership-based model across multiple channels. The company has introduced innovative insurance offerings such as customizable flight delay insurance and COVID-19 hospitalization coverage. As of March 31, 2022, Go Digit had 56 active insurance products. The company completed its Initial Public Offering in May 2024, raising Rs 2615 Crores through a combination of fresh issue and offer for sale.
Listing Date
23 May, 2024(1 Years,
-10 days)
Website
Chairperson NameKAMESH GOYAL
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