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Go Digit General Insurance Q1 FY26: Underwriting loss, profit up

April 28, 2026 4 mins read Firehose Gupta

Go Digit General Insurance Limited — Quarter and year ended March 31, 2026

Sl. No. Particulars 3 Months Ended / As at Year ended / As at Year ended / As at
March 31, 2026
Refer Note 6		 March 31, 2025
Refer Note 6		 March 31, 2026
Audited
OPERATING RESULTS
1 Gross Premium Written 2,73,566 2,57,638 11,29,409
2 Net Premium written¹ 2,11,322 2,03,378 8,32,133
3 Premium Earned (Net) 2,30,102 2,24,687 8,41,434
4 Income from investments (net)² 34,136 28,406 1,31,274
5 Other income
(i) Contribution from Shareholders Funds towards Excess EOM (Refer Note 7) 46,873 32,401 46,873
(ii) Contribution towards remuneration of MD/CEO/WTD/Other KMPs 18 6 80
(iii) Others 42 18 62
6 Total income (3 to 5) 3,11,171 2,85,518 10,19,723
7 Commissions & Brokerage³ 56,673 59,827 2,34,424
8 Net commission³ 56,673 59,827 2,34,424
9 Operating Expenses related to insurance business:
(a) Employees’ remuneration and welfare expenses 9,162 5,647 36,828
(b) Other operating expenses:
– i. Business Development & Sales Promotion Expenses 4,669 842 18,010
– ii. Other expenses 6,512 4,376 25,420
10 Premium Deficiency – – –
11 Incurred Claims⁴:
(a) Claims Paid 1,17,581 1,35,361 4,48,717
(b) Change in Outstanding Claims (Incl. IBNR / IBNER) 55,479 36,559 1,64,585
12 Total Expense (8+9+10+11) 2,50,076 2,42,612 9,27,984
13 Underwriting Profit/(Loss): (3-12) (19,974) (17,925) (86,550)
14 Provisions for doubtful debts (including bad debts written off) – – –
15 Provisions for diminution in value of investments – – –
16 Operating Profit/(Loss): (6-12) 61,095 42,906 91,739
17 Appropriations
(a) Transfer to Profit and Loss A/c 61,095 42,906 91,739
(b) Transfer to reserves – – –
NON-OPERATING RESULTS
18 Income in shareholders’ account:
(a) Transfer from Policyholders’ Fund 61,095 42,906 91,739
(b) Income from investments (net)² 6,849 6,342 27,820
(c) Other income 62 57 243
19 Expenses other than those related to insurance business 49,730 37,744 55,609
20 Provisions for doubtful debts (including bad debts written off) 1,024 – 1,024
21 Provisions for diminution in value of investments – – –
22 Total Expense (19+20+21) 50,754 37,744 56,633
23 Profit / Loss before extraordinary items (18-22) 17,252 11,561 63,169
24 Extraordinary Items – – –
25 Profit / (loss) before tax (23-24) 17,252 11,561 63,169
26 Provision for tax 2,310 – 8,734
27 Profit / (loss) after tax 14,942 11,561 54,435
28 Dividend per share (₹)
(a) Interim Dividend – – –
(b) Final dividend – – –
29 Profit / (Loss) carried to Balance Sheet 14,942 11,561 54,435
30 Paid up equity capital 92,450 92,303 92,450
31 Reserve & Surplus (Excluding Revaluation Reserve)⁷ 3,71,635 3,14,237 3,71,635
32 Fair Value Change Account and Revaluation Reserve 4,503 24,830 4,503
33 Share application money pending allotment – – –
34 Borrowings 35,000 35,000 35,000
Total Assets:
(a) Investments:
– Shareholders’ Fund 4,40,899 3,93,628 4,40,899
– Policyholders’ Fund 18,29,367 15,52,774 18,29,367
(b) Other Assets (Net of current liabilities and provisions) (17,66,678) (14,80,032) (17,66,678)
Ratio March 31, 2026 Dec 31, 2025 March 31, 2025 March 31, 2026 March 31, 2025
(i) Solvency Ratio ᵛᵃ 2.42 2.30 2.24 2.42 2.24
(ii) Expenses of Management Ratio ᵛᵇ 41.9% 43.4% 39.0% 40.5% 39.0%
(iii) Incurred Claim Ratio 75.2% 72.5% 76.5% 72.9% 72.8%
(iv) Net retention ratio 77.2% 73.8% 78.9% 73.7% 80.1%
(v) Combined ratio 111.6% 110.7% 111.3% 110.7% 109.3%
(vi) Earning per share (Rs.) (Face value ₹10 per share)
– Basic (a) before extraordinary items (net of tax expense, period not annualized) 1.62 1.52 1.25 5.89 4.65
– Diluted 1.61 1.51 1.25 5.88 4.62
– Basic (b) after extraordinary items (net of tax expense, period not annualized) 1.62 1.52 1.25 5.89 4.65
– Diluted 1.61 1.51 1.25 5.88 4.62
(vii) NPA ratios:
a) Gross and Net NPAs – – – – –
b) % of Gross & Net NPAs – – – – –
(viii) Yield on Investments (Gross Of Tax)⁶
(a) Without unrealized gains 1.8% 1.9% 1.8% 7.4% 7.2%
(b) With unrealised gains 0.2% 2.2% 1.8% 6.5% 7.6%
(ix) Public shareholding
a) No. of shares 24,95,38,309 24,93,26,427 24,81,22,662 24,95,38,309 24,81,22,662
b) Percentage of shareholding 27.0% 27.0% 26.9% 27.0% 26.9%
c) % of Government holding (in case of public sector insurance companies) Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable
Sl. No. Particulars Mar 31, 2026 Dec 31, 2025 Mar 31, 2025 Mar 31, 2026 Mar 31, 2025
(A) Fire Net Premium Earned 3,638 3,629 4,173 11,511 11,926
Income from Investments 784 749 597 2,958 2,231
Other Income 1 – – 2 –
(B) Marine Net Premium Earned 347 203 619 379 978
Income from Investments 17 19 32 70 57
Other Income – – – – –
(C) Health including Personal Accident* (i) Health Retail — Net Premium Earned 1,934 1,949 1,696 7,683 6,682
(i) Health Retail — Income from Investments 125 122 107 456 389
(i) Health Retail — Other Income 327 – 158 328 158
(ii) Health Group, Corporate — Net Premium Earned 36,252 30,018 33,029 1,31,716 1,32,208
(ii) Health Group, Corporate — Income from Investments 2,242 1,964 1,990 8,530 7,848
(ii) Health Group, Corporate — Other Income 1,376 – 2,227 1,378 2,227
(iii) Health Government Business — Net Premium Earned 317 4,677 8,902 19,021 26,508
(iii) Health Government Business — Income from Investments 292 225 (20) 1,294 1,018
(iii) Health Government Business — Other Income 1 – – 1 –
(D) Motor Net Premium Earned 1,49,973 1,51,155 1,37,331 5,92,308 5,42,405
Income from Investments 29,446 29,623 25,147 1,13,477 95,845
Other Income 44,878 19 29,597 44,954 29,618
(E) Miscellaneous (i) Miscellaneous Retail — Net Premium Earned 3,064 2,865 2,621 11,219 9,442
(i) Miscellaneous Retail — Income from Investments 257 259 192 1,024 765
(i) Miscellaneous Retail — Other Income 347 – 440 348 440
(ii) Miscellaneous Group, Corporate — Net Premium Earned 2,234 2,307 5,097 5,867 9,225
(ii) Miscellaneous Group, Corporate — Income from Investments 355 363 560 1,432 1,212
(ii) Miscellaneous Group, Corporate — Other Income – – 2 1 2
Sl. No. Particulars 3 Months Ended / As at December 31, 2025 March 31, 2025 March 31, 2026 March 31, 2025
(F) Crop: Net Premium Earned 32,343 19,208 31,219 61,730 65,222
Income from Investments 620 415 (198) 2,035 1,546
Other Income 1 – – 1 –
2 Premium Deficiency – – – – –
3 (A) Fire 799 2,598 (67) 10,485 4,004
(B) Marine 332 113 283 952 809
(C) Health Retail 174 (409) 13 (607) 194
(C) Health Group, Corporate (4,757) 1,206 2,148 (1,748) (1,745)
(C) Health Government Business 1,403 (31) 372 2,506 289
(D) Motor (20,366) (28,019) (21,941) (1,04,558) (85,661)
(E) Miscellaneous Retail 227 163 174 (204) (2,207)
(E) Miscellaneous Group, Corporate (318) 1,865 503 4,163 322
(F) Crop 2,532 (88) 590 2,461 2,096
4 (A) Fire 1,584 3,347 530 13,445 6,235
(B) Marine 349 132 315 1,022 866
(C) Health Retail 626 (287) 278 177 741
(C) Health Group, Corporate

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