Go Digit General Insurance Limited

rs,

Date: 22nd January 2025 To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai – 400 001 BSE Scrip Code: 544179 To, National Stock Exchange of India

₹ 119 crore

godigit.com Toll free 1800-258-5956 Go Digit Q3 PAT jumps 2.8 times to ₹ 119 crore, 9M PAT jumps 2.4 times to ₹ 309 crore Particulars 9M 2024 9M 2025 Q3 2024 Q3 2025 Gros

₹ 309 crore

Go Digit Q3 PAT jumps 2.8 times to ₹ 119 crore, 9M PAT jumps 2.4 times to ₹ 309 crore Particulars 9M 2024 9M 2025 Q3 2024 Q3 2025 Gross Written Premium (Cr) Retention Rati

rs 9

Go Digit Q3 PAT jumps 2.8 times to ₹ 119 crore, 9M PAT jumps 2.4 times to ₹ 309 crore Particulars 9M 2024 9M 2025 Q3 2024 Q3 2025 Gross Written Premium (Cr) Retention Ratio (%) Profit Aft

₹ 2,677

72.9 35.2 108.1 34.3 107.2  In Q3 2025, Gross Written Premium of the company stood at ₹ 2,677 cr compared to ₹ 2,428 cr in Q3 2024, achieving a growth of 10.2%.  Effective from October 1,

₹ 2,428

34.3 107.2  In Q3 2025, Gross Written Premium of the company stood at ₹ 2,677 cr compared to ₹ 2,428 cr in Q3 2024, achieving a growth of 10.2%.  Effective from October 1, 2024, other applicable

10.2%

emium of the company stood at ₹ 2,677 cr compared to ₹ 2,428 cr in Q3 2024, achieving a growth of 10.2%.  Effective from October 1, 2024, other applicable long-term premium is accounted on 1/n basis

12.8%

/n basis, without 1/n basis, Gross Written Premium for Q3 2025 is 2,738 cr, achieving a growth of 12.8%. Premium Retention Ratio: -  Premium Retention Ratio for Q3 2025 is 83.8%, as compared to 87

83.8%

ieving a growth of 12.8%. Premium Retention Ratio: -  Premium Retention Ratio for Q3 2025 is 83.8%, as compared to 87.9% in Q3 2024. Profitability: -  Profit after tax for the Q3 2025 stood a

87.9%

8%. Premium Retention Ratio: -  Premium Retention Ratio for Q3 2025 is 83.8%, as compared to 87.9% in Q3 2024. Profitability: -  Profit after tax for the Q3 2025 stood at ₹ 119 cr, compared t

₹ 119

as compared to 87.9% in Q3 2024. Profitability: -  Profit after tax for the Q3 2025 stood at ₹ 119 cr, compared to ₹ 43 cr in Q3 2024, grew by 176.5%.  Without 1/n basis, there is no impact on pro

₹ 43

n Q3 2024. Profitability: -  Profit after tax for the Q3 2025 stood at ₹ 119 cr, compared to ₹ 43 cr in Q3 2024, grew by 176.5%.  Without 1/n basis, there is no impact on profit after tax for Q3

Note

2

Total AUM

2

Disclaimer

1

The Numbers

1

Notes

1

Self-service

1

Disclaimer

This investor presentation may contain certain words or phrases in writing or otherwise which are not statements of historical facts and may be described as “forward-looking statements”. These forward-looking statements generally can be identified by words or phrases such as “aim”, “anticipate”, “are likely”, “believe”, “continue”, “can”, “shall”, “could”, “expect”, “estimate”, “intend”, “may”, “likely” “objective”, “plan”, “project”, “propose”, “seek to”, “will”, “will continue”, “will achieve”, “will likely”, “will pursue” or other words or phrases of similar import. Similarly, statements that describe our Company’s strategies, objectives, plans or goals, financial and operating projections are also forward-looking statements. All forward-looking statements are subject to risks, uncertainties, expectations and assumptions about us that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Actual results may differ materiall

The Numbers

Gross Written Premium (1) Market Share (%) (1,2) Diverse product portfolio (3) ₹7,706 cr 3.3 / 6.1 82 Market share for Total / Motor insurance Active products launched since 2017 0.9 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 6.2 cr Customers (4) 69,527 26.2 Lacs Claims settled since inception Assets under Management (3,5) Manual Policy Issuances (%) (1) Customer satisfaction score (%) (1) ₹18,939 cr 0.48 96.0/ 79.3 Motor Claims / Non-Claims

Notes

1. Data for the period (April 24 to December 24). 2. Market share is based on our Gross Written Premium of Q3 FY 2025. 3. Data as of December 31, 2024. 4. Customers/people covered under policies issued since inception of operations in 2017 till December 31, 2024 5. AUM includes equity at market value & cash and bank balance. PRIVATE AND CONFIDENTIAL 4 Key Performance Indicators [IGAAP] ₹ cr Particulars FY2023 FY2024 9M 2024 9M 2025 Q3 2024 Q3 2025 Gross Written Premium 7,243 9,016 6,680 7,706* 2,428 2,677* Net Earned Premium Net retention Ratio (%) Loss Ratio (%) Combined Ratio (COR) (%) Combined Ratio (COR) without 1/n basis (%) Profit after Tax Return on Average Equity (IGAAP) (%) Net-worth [Equity] Solvency Ratio 5,164 7,096 5,115 5,799 1,982 2,084 81.6 67.2 107.4 107.4 36 1.7 85.8 70.3 108.7 108.7 182 7.5 84.3 69.6 108.7 108.7 129 80.4 71.4 108.5 108.2 309 87.9 74.5 110.3 110.3 43 83.8 72.9 108.1 107.2 119 5.4** 9.6** 1.8** 3.1** 2,325 2,515 2,459 3,924 2,459 3,924 1.78 1.61 1.60 2

Note

1. Industry growth is calculated based on Gross Direct Premium 22 39 19 10 10 - 22 35 22 9 12 - 42 11 80 19 -8 24 17 2 38 1 36 15 (2) 17 10 20 7 3 13 9 8 11 -6 7 8 23 38 17 7 15 - 23 37 23 5 11 - 12 6 49 -17 -15 (2) 10 8 8 15 -22 17 10 2. Effective from October 1, 2024, Other applicable long-term premium is accounted on 1/n basis. Without 1/n basis, Digit growth for Q3 2025 is 13% & for 9M 2025 is 16%. PRIVATE AND CONFIDENTIAL 6 Results: Combined Ratio & Profit after tax Combined Ratio % (1) 107.4 108.7 108.7 Without 1/n basis Combined Ratio is 108.2 & Expense Ratio is 36.8 108.5 Without 1/n basis Combined Ratio is 107.2 & Expense Ratio is 34.3 108.1 110.3 Profit after Tax 67.2 70.3 69.6 71.4 74.5 72.9 182 ₹ cr 309 129 119 40.2 38.4 39.1 37.1 35.8 35.2 36 43 FY 2023 FY 2024 9M 2024 9M 2025 Q3 2024 Q3 2025 FY 2023 FY 2024 9M 2024 9M 2025 Q3 2024 Q3 2025 Expense Ratio Claim Ratio PAT

Note

1. Claim ratio is the ratio of the claims incurred (net) to the net earned premium. The expense ratio is calculated by dividing net commissions and operating expenses related to the insurance business by net written premium. Combined ratio is the sum of claim ratio and expense ratio. PRIVATE AND CONFIDENTIAL 7 Growing Assets Under Management base leading to higher investment income Assets under management Investment Leverage • Times(AUM multiple to Net-worth)

Total AUM

15,764 6.3 2,746 350 5.4 24% Investment Yield % ₹ cr Investment Income & Yield Without capital loss of ₹ 2 cr yield is 5.42 ₹ cr Without capital gain of ₹ 53 cr yield is 5.19 5.41* 977 *Not annualised 7.3 1,049 6.2 722 5.57* 777 26%