Go Digit General Insurance Limited
4,534words
9turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
₹7,706
₹18,939
, GW
53
GW
7,706
GW
2025
GW
13%
16%
24%
₹ 2
₹ 53
Speaking time
2
2
1
1
1
1
1
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Opening remarks
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%
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