GODIGIT
Go Digit General Insurance share price & financials
- Price
- ₹281.9
- Market cap
- ₹23.6k Cr
- Sector
- Financial Services
- Calls analysed
- 9
Go Digit General Insurance Limited Q1 FY27
What went well
- Net Earned Premium increased by 8% YoY to ₹2,007 crores, demonstrating earning through despite reduced gross premium.
- Solvency ratio remained strong at 2.43 times, providing significant capital optionality.
- Equity asset allocation reached 9.5% of AUM with ₹268 crores in unrealized gains, alongside ₹220 crores in fixed income unrealized gains.
What to watch
- Profit after tax (with DAC, without discounting and mark-to-market) decreased by 5% YoY to ₹190 crores from ₹200 crores a year ago.
- Gross Written Premium declined by 8% YoY, primarily due to a strategic shift away from unprofitable segments like reinsurance inward business in health and crop, and fire business.
What Go Digit General Insurance Limited does
Go Digit General Insurance is a digital-first, full-stack non-life insurer, founded in 2017, that underwrites motor (own-damage and third-party), health, travel and commercial-lines insurance (fire, marine cargo, engineering and liability) for individuals and businesses. It earns premium income by pricing and underwriting these policies through a paperless, technology-driven process covering everything from policy issuance to claims settlement. The company distributes through a large network of agents, intermediaries, point-of-sale persons (POSPs) and motor insurance service providers (MISPs), as well as its own digital and direct-to-customer channels, taking coverage into tier-2, tier-3 towns and rural India. It has served customers across nearly every pin code in the country since inception.
Segments
- Motor Insurance
- Health & Travel Insurance
- Commercial / Corporate Lines
- Customers served since inception
- 67 million
- Distribution partner network
- 71,000+ partners (agents, intermediaries, POSPs, MISPs)
- Insurance products offered
- 85 products across segments
- Geographic service reach
- Digital service available across almost every pin code in India
- Motor insurance market position
- 4th largest private motor insurer in India
- IRDAI registration number
- 158
Guidance record · Q1 FY27
what the last two calls moved 17 tracked 4 delivered 6 missed 7 open- Solvency Ratio delivered said Q4 FY24 Promised: > 200% by June 30, 2024 Q1 FY27: Reported at 2.43x (243%), continuing to exceed target.
- Motor TP Market Share went quiet said Q2 FY25 Promised: >6% in H2 FY25 Q1 FY27: No specific breakout for Motor TP market share provided. Target period has passed.
- Expense of Management (EOM) Ratio at risk said Q2 FY25 Promised: Compliance with 30% limit within 3 years Q1 FY27: Management notes EOM rules have driven up commissions, making compliance harder. Awaiting regulatory changes.
All 17 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 8.5%, net profit down 37.7% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2,234 | 2,436 | 2,594 | 2,236 | 2,488 +11% | 2,570 +6% | 2,711 +5% | 2,427 +9% |
| EBITDA | 89 | 118 | -209 | 159 | 135 +52% | 162 +37% | -297 −42% | 114 −28% |
| Net profit | 89 | 119 | 116 | 138 | 117 +31% | 140 +18% | 149 +28% | 86 −38% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −28.1% 1Y
1Y: ₹356.5 on 10 Sept 2025 → ₹256.2. High ₹365.6 (29 Oct 2025), low ₹245.65 (28 Jul 2026).
How the price took the results
close before → close after
- Q1 FY27
- −0.8%
- 23 Jul
- Q4 FY26
- −1.0%
- 28 Apr
- Q3 FY26
- +1.2%
- 22 Jan
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Financials, as filed
Revenue grew 10.8% a year over 2 years, FY24 to FY26. Operating margin widened to 1.6%.
| Year ending | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | ₹8.1k Cr | ₹9.4k Cr | ₹10.0k Cr |
| Operating profit | ₹-286 Cr | ₹99 Cr | ₹159 Cr |
| Operating margin | -3.5% | 1.1% | 1.6% |
| Interest | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹182 Cr | ₹425 Cr | ₹544 Cr |
| Net margin | 2.2% | 4.5% | 5.4% |
| ROCE | 5.0% | 11.0% | 13.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹825 Cr | ₹859 Cr | ₹874 Cr | ₹875 Cr | ₹923 Cr | ₹924 Cr |
| Reserves | ₹402 Cr | ₹1.1k Cr | ₹1.6k Cr | ₹1.8k Cr | ₹3.7k Cr | ₹3.7k Cr |
| Borrowings | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹350 Cr | ₹350 Cr | ₹350 Cr |
| Other liabilities | ₹4.8k Cr | ₹8.1k Cr | ₹11.1k Cr | ₹13.9k Cr | ₹18.4k Cr | ₹19.9k Cr |
| Total liabilities | ₹6.0k Cr | ₹10.0k Cr | ₹13.5k Cr | ₹17.0k Cr | ₹23.3k Cr | ₹25.0k Cr |
| Fixed assets | ₹22 Cr | ₹125 Cr | ₹161 Cr | ₹173 Cr | ₹159 Cr | ₹265 Cr |
| Capital work in progress | ₹81 Cr | ₹24 Cr | ₹1 Cr | ₹2 Cr | ₹0 Cr | ₹3 Cr |
| Investments | ₹5.4k Cr | ₹9.2k Cr | ₹12.4k Cr | ₹15.4k Cr | ₹21.2k Cr | ₹22.6k Cr |
| Other assets | ₹471 Cr | ₹652 Cr | ₹938 Cr | ₹1.4k Cr | ₹2.0k Cr | ₹2.1k Cr |
| Total assets | ₹6.0k Cr | ₹10.0k Cr | ₹13.5k Cr | ₹17.0k Cr | ₹23.3k Cr | ₹25.0k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, DIIs added +0.63 pp while the public trimmed −0.47 pp. The shareholder count shrank 8% to 60,707.
- Promoters
- 73.0%
- FIIs
- 8.2%
- DIIs
- 15.0%
- Public
- 3.8%
Since Jun 2025
- DIIs +0.63 pp
- Public −0.47 pp
- Promoters −0.10 pp
How it drifted, 9 quarters
Over this window FIIs went from 5.1% to 8.2% — +3.1 pp.
Ownership split by quarter, oldest first. Jun '24: Promoters 73.6%, FIIs 5.1%, DIIs 16.2%, Public 5.1%.Sep '24: Promoters 73.3%, FIIs 5.5%, DIIs 15.6%, Public 5.6%.Dec '24: Promoters 73.2%, FIIs 6.5%, DIIs 15.2%, Public 5.2%.Mar '25: Promoters 73.1%, FIIs 7.9%, DIIs 15.3%, Public 3.8%.Jun '25: Promoters 73.1%, FIIs 8.3%, DIIs 14.4%, Public 4.2%.Sep '25: Promoters 73.1%, FIIs 8.5%, DIIs 14.1%, Public 4.3%.Dec '25: Promoters 73.0%, FIIs 8.3%, DIIs 14.3%, Public 4.4%.Mar '26: Promoters 73.0%, FIIs 8.0%, DIIs 14.6%, Public 4.3%.Jun '26: Promoters 73.0%, FIIs 8.2%, DIIs 15.0%, Public 3.8%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life ELSS Tax Saver Fund Mutual fund newly disclosed 1.27% held
- Mirae Asset Large & Midcap Fund Mutual fund +0.10 pp 4.76% held
The same filing shows 0 holders trimming and 1 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Go Digit General Insurance Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Go Digit Infoworks Services Private Limited | 72.98% | unchanged |
| Mirae Asset Large & Midcap Fund Mutual fund | 4.76% | +0.10 pp |
| A91 Emerging Fund I Llp VC / PE | 1.51% | unchanged |
| Government Pension Fund Global Sovereign | 1.43% | unchanged |
| Faering Capital India Evolving Fund Ii VC / PE | 1.31% | unchanged |
| Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life ELSS Tax Saver Fund Mutual fund | 1.27% | newly disclosed |
| Valueattics Reinsurance Limited | 0.01% | unchanged |
| Aadesh Goyal | 0.01% | unchanged |
| Pooja Gupta | 0.00% | unchanged |
| Anjana Gupta | 0.00% | unchanged |
| ANT Success Company Limited | 0.00% | unchanged |
| Oben Ventures LLP | 0.00% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Mutual funds in GODIGIT
Filings to Aug 2026
1 new, 4 added, 1 trimmed, 0 sold out — net +38.07 L shares (+104.4%).
- Held by funds
- ₹192 Cr
- 7 schemes
- Biggest holder
- SBI Large and Midcap Fund
- ₹98 Cr · 0.2% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| SBI Large and Midcap Fund SBI Mutual Fund | ₹98 Cr | new | Aug '26 |
| SBI Innovative Opportunities Fund SBI Mutual Fund | ₹78 Cr | held | Sep '24 |
| Nippon India Nifty Smallcap 250 Index Fund Nippon India Mutual Fund | ₹10 Cr | +0.05 L | Sep '24 |
| SBI Nifty Smallcap 250 Index Fund SBI Mutual Fund | ₹5 Cr | +0.02 L | Sep '24 |
| Nippon India Nifty 500 Equal Weight Index Fund Nippon India Mutual Fund | ₹1 Cr | +0.00 L | Sep '24 |
| SBI Nifty 500 Index Fund SBI Mutual Fund | ₹0 Cr | −0.00 L | Sep '24 |
| SBI Nifty Small Cap 250 ETF SBI Mutual Fund | ₹0 Cr | +0.00 L | May '26 |
HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.
Mutual funds Aug 2026
4 added, 1 trimmed — net +38.07 L shares (+104.4%)
- Funds are sitting on
- -1%
- vs est. average cost
- Held by funds
- ₹192 Cr
- 7 schemes · ≈ 0.89% of the company
- Biggest holder
- SBI Large and Midcap Fund
- ₹98 Cr · 0.2% of that fund
- Longest holder
- SBI Innovative Opportunities Fund
- 2y · since Sep '24
Shares held by these funds −50%
May '24 36.45 L shares Jul '26
All earnings calls (7)
Read the Q1 FY27 call →Learn to analyse Go Digit General Insurance Limited
Guides on how to read this kind of business and the numbers that matter.