Go Digit General Insurance Limited

rs,

Date: 28th April 2025 To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai – 400 001 BSE Scrip Code: 544179 To, National Stock Exchange of India

₹ 116 crore

it.com Email Id: hello@godigit.com Toll free 1800-258-5956 Go Digit Q4 PBT jumps 2.2 times to ₹ 116 crore (PAT is same), FY 25 PBT jumps 2.3 times to ₹ 425 crore (PAT is same) Particulars FY 2023-24

₹ 425 crore

-5956 Go Digit Q4 PBT jumps 2.2 times to ₹ 116 crore (PAT is same), FY 25 PBT jumps 2.3 times to ₹ 425 crore (PAT is same) Particulars FY 2023-24 FY 2024-25 Q4 2024 Q4 2025 Gross Written Premium (

₹ 2,576

9.7 Gross Written Premium Income: -  In Q4 2025, Gross Written Premium of the Company was at ₹ 2,576 cr compared to ₹ 2,336 cr in Q4 2024, recording a growth of 10.3%  In FY 2024-25, Gross Writt

₹ 2,336

mium Income: -  In Q4 2025, Gross Written Premium of the Company was at ₹ 2,576 cr compared to ₹ 2,336 cr in Q4 2024, recording a growth of 10.3%  In FY 2024-25, Gross Written Premium of the Compa

10.3%

Premium of the Company was at ₹ 2,576 cr compared to ₹ 2,336 cr in Q4 2024, recording a growth of 10.3%  In FY 2024-25, Gross Written Premium of the Company was at ₹ 10,282 cr compared to ₹ 9,016

₹ 10,282

2024, recording a growth of 10.3%  In FY 2024-25, Gross Written Premium of the Company was at ₹ 10,282 cr compared to ₹ 9,016 cr in FY 2023-24, recording a growth of 14.0%.  Without 1/n basis: - G

₹ 9,016

h of 10.3%  In FY 2024-25, Gross Written Premium of the Company was at ₹ 10,282 cr compared to ₹ 9,016 cr in FY 2023-24, recording a growth of 14.0%.  Without 1/n basis: - Gross Written Premium for

14.0%

ium of the Company was at ₹ 10,282 cr compared to ₹ 9,016 cr in FY 2023-24, recording a growth of 14.0%.  Without 1/n basis: - Gross Written Premium for Q4 2025 is 2,652 cr, achieving a growth of 13

13.5%

0%.  Without 1/n basis: - Gross Written Premium for Q4 2025 is 2,652 cr, achieving a growth of 13.5%. - Gross Written Premium for FY 2024-25 is 10,419 cr, achieving a growth of 15.6%. Profitabilit

15.6%

ing a growth of 13.5%. - Gross Written Premium for FY 2024-25 is 10,419 cr, achieving a growth of 15.6%. Profitability:  Profit after tax for the Q4 2025 stood at ₹ 116 cr, compared to ₹ 53 cr in

₹ 116

9 cr, achieving a growth of 15.6%. Profitability:  Profit after tax for the Q4 2025 stood at ₹ 116 cr, compared to ₹ 53 cr in Q4 2024, grew by 118.9%.  Profit after tax for the FY 2024-25 stoo

“About the Company We aim to make insurance simple.”

Note

3

Total AUM

3

Profitability

1

Disclaimer

1

The Numbers

1

Notes

1

Self-service

1

Profitability

 Profit after tax for the Q4 2025 stood at ₹ 116 cr, compared to ₹ 53 cr in Q4 2024, grew by 118.9%.  Profit after tax for the FY 2024-25 stood at ₹ 425 cr, compared to ₹ 182 in FY 2023-24, grew by 133.5%.  Return on Average Equity (ROAE) for the FY 2024-25 stood at 13.0% compared to 7.5% in FY 2023-24. Assets Under Management: -  As of March 31, 2025, our assets under management stood at ₹ 19,703 cr, compared to ₹ 15,764 cr as at March 31, 2024, growth of 25.0%. Combined Ratio: -  Combined Ratio for Q4 2025 is 111.3%, as compared to 108.8% in Q4 2024  Combined Ratio for FY 2024-25 is 109.3% compared to 108.7%.  Without 1/n basis: -Combined Ratio for Q4 2025 is 109.7% as compared to 108.8% in Q4 2024. -Combined Ratio for FY 2024-25 is 108.6% as compared to 108.7% in FY 2023-24. Solvency: -  Solvency ratio was at 2.24x as at March 31, 2025 as against 1.61x as at March 31, 2024, higher than the minimum regulatory requirement of 1.50x. About the Company We aim to make insurance si

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” likely”, “will pursue” or other words or “objective”, “plan”, “project”, “propose”, “seek to”, “will”, “will continue”, “will achieve”, “will 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) ₹10,282 cr. 3.3 / 5.9 85 Market share for Total / Motor insurance Active products launched since 2017 1.2 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 6.7 cr. Customers (4) 71,870 29.4 Lacs Claims settled since inception Assets under Management (3,5) Manual Policy Issuances (%) (1) Customer satisfaction score (%) (1) 19,703 cr. 0.46 95.8 / 80.0 Motor Claims / Non-Claims

Notes

1. Data for the period FY 2025. 2. Market share is based on our Gross Written Premium of FY 2025. 3. Data as of March 31, 2025. 4. Customers/people covered under policies issued since inception of operations in 2017 till March 31, 2025 5. AUM includes equity at market value & cash and bank balance. PRIVATE AND CONFIDENTIAL 4 Key Performance Indicators [IGAAP] ₹ cr Particulars FY2023 FY2024 FY 2025 Q4 2024 Q4 2025 Gross Written Premium 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 7,243 5,164 81.6 67.2 107.4 107.4 36 1.7 9,016 10,282* 2,336 2,576* 7,096 8,046 1,982 2,247 85.8 70.3 108.7 108.7 182 7.5 80.0 72.8 109.3 108.6 425 13.0 89.9 72.2 108.8 108.8 53 2.1** 78.9 76.5 111.3 109.7 116 3.5** 2,325 2,515 4,033 2,515 4,033 1.78 1.61 2.24 1.61 2.24 Net-worth [Equity] - Net worth means the aggregate value of the paid-up shar

Note

1. Industry growth is calculated based on Gross Direct Premium 2. Effective from October 1, 2024, specified applicable long-term premium is accounted on 1/n basis. Without 1/n basis, Digit growth for Q4 2025 is 13.5% & for FY 2025 is 15.6%, whereas for Q4 2025 industry grew by 6.5% approximately and FY 2025 Industry grew at 8.6%. PRIVATE AND CONFIDENTIAL 6 Results: Combined Ratio & Profit after tax Combined Ratio % (1) Profit after Tax Without 1/n, COR for the year is 108.6%(2) 107.4% 108.7% 109.3% 108.8% Without 1/n, COR for the quarter is 109.8%(2) 111.3% ₹ cr 425 67.2 70.3 72.8 72.2 76.5 40.2 38.4 36.5 36.6 34.8 36 182 116 53 FY 2023 FY 2024 FY 2025 Q4 2024 Q4 2025 FY 2023 FY 2024 FY 2025 Q4 2024 Q4 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. 2. This has no impact on the profits PRIVATE AND CONFIDENTIAL 7 Growing Assets Under Management base leading to higher investment income Assets under management • Times(AUM multiple to Net-worth) ₹ cr Investment Yield % Investment Income & Yield ₹ cr Without capital loss of ₹ 3.4 cr, yield is 7.2 *Not annualised