Go Digit General Insurance Limited has scheduled an analyst and institutional investor presentation for February 16, 2026, according to a regulatory filing submitted on February 15, 2026. The presentation materials have been made available on the company's investor relations website ahead of the scheduled meeting.

Strategic Growth Framework

The company has outlined its transition from market-led to choice-led growth, driven by deliberate capital and risk decisions. Go Digit's strategic framework focuses on four key areas: capital allocation to ROE-positive opportunities, risk segmentation and pricing using data, selective product launches where outcomes can be controlled, and selective channel scaling rather than uniform expansion.

Business Performance Metrics

The presentation reveals strong performance across key business segments from April 2025 to December 2025. The Motor segment achieved 15.3% GDPI growth, while Corporate Lines Overall recorded 14.7% growth during this period.

Commercial Lines Strategy

Go Digit positions its Commercial Lines as an outcome-managed growth engine, acknowledging that severity dominates frequency in this segment where one large loss can erode years of profits and capital. The company adopts different strategies based on market cycles, with horizontal expansion during soft markets and rapid scaling during favorable hard market conditions.

Technology-Driven Claims Management

The company has implemented significant technological improvements in its claims processing capabilities. Motor Own Damage claims have shown improved efficiency metrics, with End-to-End TAT reducing from 17.8 days in December 2024 to 16.8 days in December 2025.

Motor Third Party Claims Framework

The presentation details Go Digit's comprehensive approach to Motor Third Party claims management, emphasizing active steering of every TP claim and decisions shaped by facts and evidence rather than petitions. The company has implemented a pre-decision checklist system focusing on accident genuineness, vehicle involvement verification, evidence alignment, and early settlement opportunities where liability is clear.

The analyst presentation demonstrates Go Digit's commitment to disciplined growth and operational excellence across its insurance portfolio, with particular emphasis on technology-driven efficiency improvements and risk-based decision making.

Go Digit General Insurance delivered robust financial performance in Q3 FY26, with profit before tax surging 37% to Rs. 163 crores compared to Rs. 119 crores in the corresponding quarter of the previous year. The company's strong operational metrics and improved profitability ratios reflect its strategic focus on profitable growth across key business segments.

Financial Performance Highlights

The company's financial metrics demonstrated strong momentum across multiple parameters:

The company reported that it now has no accumulated losses, marking a significant milestone in its financial journey. The tax rate for the current financial year is approximately 14%, expected to move to 25% from the next financial year.

Business Segment Performance

Go Digit's two-wheeler business emerged as a standout performer, recording exceptional growth of 47% in Q3 FY26. The segment's collected premium reached Rs. 668 crores compared to Rs. 456 crores in the previous year, representing an increase of Rs. 212 crores. This growth was significantly aided by the lower GST introduced from September 22nd, benefiting the company's substantial two-wheeler portfolio.

The company's motor business mix evolved notably during the quarter:

Chairman Kamesh Goyal noted that commercial vehicles, which constituted 60%-65% of the motor book five years ago, now represent just 19% of the portfolio, demonstrating the management team's ability to adapt to market dynamics.

Asset Management and Investment Performance

Go Digit's Assets Under Management (AUM) crossed Rs. 22,500 crores for the first time, reaching Rs. 22,509 crores. This represents a growth of Rs. 2,800 crores compared to December 31st, 2024, marking an 18.8% increase. The company's investment portfolio showed strong performance with an overall yield of 1.9% for the quarter.

IFRS Reporting and Combined Ratio

For the first time, Go Digit declared its combined ratio under IFRS basis, providing enhanced transparency in financial reporting. The IFRS combined ratio improved to 105% in Q3 FY26 from 106.2% in the previous year. For the nine-month period, the ratio stood at 105.6% compared to 106.9% last year, showing consistent improvement.

The company's Deferred Acquisition Cost (DAC) under IFRS reached Rs. 2,403 crores pre-tax, which will benefit future IGAAP books as premium gets earned with zero acquisition cost. Advanced premium as of December 31st, 2025 totaled Rs. 2,949 crores, with motor contributing Rs. 2,605 crores and non-motor Rs. 344 crores.

Strategic Business Decisions

Go Digit made strategic decisions regarding its business portfolio, including not renewing approximately Rs. 220 crores of government health business due to inadequate pricing. The company also implemented reinsurance arrangements in motor business to protect against tail risks, particularly in electric vehicle segments, while maintaining investment income through funds-withheld arrangements.

The management emphasized its focus on profitable growth over market share, with the company maintaining strong renewal retention rates and customer satisfaction scores. The Net Promoter Score (NPS) continues to remain healthy, reflecting the company's customer-centric approach and digital-first strategy.