Go Digit General Insurance Q3 FY26 Results: PBT Jumps 37% to ₹163 Crore, Nine-Month Performance Exceeds Full FY25

Go Digit General Insurance Limited has delivered robust financial performance for the quarter ended December 31, 2025, with profit before tax jumping 36.9% year-on-year to ₹163.00 crore. The company's nine-month FY26 performance has been particularly noteworthy, with PBT reaching ₹459.00 crore, already exceeding the full FY25 figure of ₹425.00 crore.

Strong Premium Growth Across Segments

The company demonstrated solid premium growth momentum during Q3 FY26. Gross Direct Premium increased by 20.9% to ₹2,557.00 crore compared to ₹2,115.00 crore in Q3 FY25, while Gross Written Premium grew 8.7% to ₹2,909.00 crore from ₹2,677.00 crore in the corresponding previous quarter.

Premium Metric	Q3 FY26	Q3 FY25	Growth (%)
Gross Direct Premium	₹2,557 cr	₹2,115 cr	+20.9%
Gross Written Premium	₹2,909 cr	₹2,677 cr	+8.7%

For the nine-month period, Gross Written Premium reached ₹8,558.00 crore compared to ₹7,706.00 crore in 9M FY25, representing an 11.1% increase. The motor segment continued to be the primary growth driver, with Motor OD contributing 26.6% of the GWP mix in Q3 FY26 and recording 23.4% growth.

Profitability and Financial Performance

Go Digit General Insurance showcased strong profitability metrics across key parameters. Profit after tax for Q3 FY26 stood at ₹140.00 crore, marking a 17.6% increase from ₹119.00 crore in Q3 FY25.

Financial Metric	Q3 FY26	Q3 FY25	9M FY26	9M FY25
Profit Before Tax	₹163 cr	₹119 cr	₹459 cr	₹309 cr
Profit After Tax	₹140 cr	₹119 cr	₹395 cr	₹309 cr
Net Earned Premium	₹2,160 cr	₹2,084 cr	₹6,113 cr	₹5,799 cr

The company's return on average equity for the nine-month period was 9.3%, while the net-worth increased to ₹4,436.00 crore as of December 31, 2025, compared to ₹3,924.00 crore in the previous year.

Asset Management and Investment Performance

Assets Under Management witnessed substantial growth, increasing by 18.8% to ₹22,509.00 crore as of December 31, 2025, compared to ₹18,939.00 crore as of December 31, 2024. This growth was primarily driven by business surplus generation.

Investment Parameter	9M FY26	9M FY25	Growth (%)
Investment Income	₹1,179 cr	₹975 cr	+21.0%
Assets Under Management	₹22,509 cr	₹18,939 cr	+18.8%
Investment Leverage	5.1x	4.8x	-

The company reported unrealized gains of ₹686.00 crore as of December 31, 2025, comprising ₹403.00 crore from equity portfolio and ₹283.00 crore from other investments. Investment income grew 21% year-on-year to ₹1,179.00 crore for the nine-month period.

Operational Metrics and Combined Ratio

Go Digit General Insurance maintained stable operational performance with a combined ratio of 110.7% in Q3 FY26 compared to 108.1% in Q3 FY25. However, the IFRS basis combined ratio (excluding discounting benefit) improved to 105.0% from 106.2% in the previous year quarter.

Ratio Metric	Q3 FY26	Q3 FY25	9M FY26	9M FY25
Loss Ratio	72.5%	72.9%	72.0%	71.4%
Expense Ratio	38.2%	35.2%	38.3%	37.1%
Combined Ratio	110.7%	108.1%	110.3%	108.5%
Combined Ratio (IFRS basis)	105.0%	106.2%	105.6%	106.9%

The company maintained a healthy solvency ratio of 2.30x as of December 31, 2025, significantly above the minimum regulatory requirement of 1.50x, compared to 2.24x as of March 31, 2025.

Market Position and Business Outlook

The company has strengthened its market position with a 3.4% overall market share and 6.5% market share in motor insurance based on nine-month FY26 Gross Written Premium. Go Digit General Insurance operates through a partner network of 79,117 entities and has maintained high customer satisfaction scores of 94.7% for motor claims and 83.4% for non-claims processes.

With 1.21 crore policies sold during the nine-month period and serving 8.1 crore customers since inception, the company continues to demonstrate its digital-first approach with only 0.35% manual policy issuances. The insurer has settled 37.4 lakh claims since inception, reinforcing its commitment to customer service excellence.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+1.19%	-1.34%	-5.53%	-8.45%	+11.58%	+5.98%

Go Digit General Insurance Limited has announced its quarterly earnings conference call to discuss the financial results for the quarter and nine months ended December 31, 2025. The call is scheduled to take place on Thursday, January 22, 2026, at 7:00 PM IST.

Regulatory Compliance and Filing Details

The company made this announcement through a regulatory filing dated January 14, 2026, addressed to both BSE Limited and National Stock Exchange of India Limited. The filing was made pursuant to Regulation 30 and Para A of Part A of Schedule III and Regulation 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The document was digitally signed by Tejas Saraf, Company Secretary & Compliance Officer.

Conference Call Access Information

ICICI Securities is hosting the Q3 & 9M FY2026 results conference call, providing multiple access options for participants:

Access Type:	Details
Universal Access Numbers:	+91 22 6280 1144 / +91 22 7115 8045
Date and Time:	Thursday, January 22, 2026 at 19:00 hrs India Time
Host:	ICICI Securities

International Participant Access

The conference call offers toll-free access for international participants from multiple regions:

Country/Region:	Toll-Free Number
Singapore:	8001012045
Hong Kong:	800964448
UK:	08081011573
USA:	18667462133

Contact Information and Coordination

ICICI Securities has designated specific personnel for call coordination and clarifications. Mr. Jaideep Goswami, Head of Equities, serves as the primary call coordinator. Additional support is provided by Mr. Ansuman Deb and Mr. Shubham Prajapati for coordination matters, while Mr. Rushad Kapadia, Ms. Seema Sehgal, and Ms. Minali Ginwala are available for any clarifications regarding the conference call.

The earnings call will provide investors and analysts with insights into the company's financial performance for the third quarter and nine months of FY2026, covering the period ended December 31, 2025.