Go Digit General Insurance Limited

rs,

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

₹ 136 crore

git.com Toll free 1800-258-5956 Go Digit Q2 PBT jumps 1.5 times to ₹ 136 crore, PAT jumps 1.3 times to 117 crore. Particulars Gross Written Premium (Cr) Profit Before Tax

117 crore

Go Digit Q2 PBT jumps 1.5 times to ₹ 136 crore, PAT jumps 1.3 times to 117 crore. Particulars Gross Written Premium (Cr) Profit Before Tax (Cr) Profit After Tax (Cr) FY 2

2.3%

109.9 *Last year same quarter the CoR was 112.2, thus on like to like basis CoR has improved by 2.3% during the quarter Gross Written Premium Income: - • In Q2 2026, Gross Written Premium of the

₹ 2,667

r Gross Written Premium Income: - • In Q2 2026, Gross Written Premium of the Company stood at ₹ 2,667 cr compared to ₹ 2,369 cr in Q2 2025, recording a growth of 12.6% • Without 1/n basis: - Gross

₹ 2,369

um Income: - • In Q2 2026, Gross Written Premium of the Company stood at ₹ 2,667 cr compared to ₹ 2,369 cr in Q2 2025, recording a growth of 12.6% • Without 1/n basis: - Gross Written Premium for Q2

12.6%

emium of the Company stood at ₹ 2,667 cr compared to ₹ 2,369 cr in Q2 2025, recording a growth of 12.6% • Without 1/n basis: - Gross Written Premium for Q2 2025 is 2,739 cr, achieving a growth of 15.

15.6%

.6% • Without 1/n basis: - Gross Written Premium for Q2 2025 is 2,739 cr, achieving a growth of 15.6%. Profitability: • • Profit before tax for the Q2 2026 stood at ₹ 136 cr, compared to ₹ 89 c

₹ 136

achieving a growth of 15.6%. Profitability: • • Profit before tax for the Q2 2026 stood at ₹ 136 cr, compared to ₹ 89 cr in Q2 2025, grew by 53%. Profit after tax for the Q2 2026 stood at ₹ 117 c

₹ 89

15.6%. Profitability: • • Profit before tax for the Q2 2026 stood at ₹ 136 cr, compared to ₹ 89 cr in Q2 2025, grew by 53%. Profit after tax for the Q2 2026 stood at ₹ 117 cr, compared to ₹ 89 c

53%

• Profit before tax for the Q2 2026 stood at ₹ 136 cr, compared to ₹ 89 cr in Q2 2025, grew by 53%. Profit after tax for the Q2 2026 stood at ₹ 117 cr, compared to ₹ 89 cr in Q2 2025, grew by 31%.

₹ 117

₹ 136 cr, compared to ₹ 89 cr in Q2 2025, grew by 53%. Profit after tax for the Q2 2026 stood at ₹ 117 cr, compared to ₹ 89 cr in Q2 2025, grew by 31%. Assets Under Management: - • As of September

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

Total AUM

3

Note

2

Profitability

1

Disclaimer

1

The Numbers

1

Notes

1

Profitability

• • Profit before tax for the Q2 2026 stood at ₹ 136 cr, compared to ₹ 89 cr in Q2 2025, grew by 53%. Profit after tax for the Q2 2026 stood at ₹ 117 cr, compared to ₹ 89 cr in Q2 2025, grew by 31%. Assets Under Management: - • As of September 30, 2025, assets under management stood at ₹ 21,345 cr, compared to ₹ 18,502 cr as at September 30, 2024 having a growth of 15.4%. Combined Ratio: - • Combined Ratio for Q2 2026 is 111.4%, as compared to 112.2% in Q2 2025 • Without 1/n basis: -Combined Ratio for Q2 2026 is 109.9% as compared to 112.2% in Q2 2025. Solvency: - • Solvency ratio was at 2.26x as at September 30, 2025 as against 2.24x as at March 31, 2025, higher than the minimum regulatory requirement of 1.50x. About the Company We aim to make insurance simple. Through innovation and transparency, we believe in delivering a seamless customer experience journey in a significant financial product an individual would purchase in their lifetime. We are one of the leading digital full stac

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 (1,2) Market Share (%) (1,2) Diverse product portfolio (3) ₹5,649 cr. 3.4/6.5 86 Market share for Total / Motor insurance Active products launched since 2017 0.72 cr policies sold (1) Partner network (3) Digitally enabled claims (3) 7.6 cr. Customers (4) 76,783 34.4 Lacs Claims settled since inception Assets under Management (3,5) Manual Policy Issuances (%) (1) Customer satisfaction score (%) (1) 21,345 cr. 0.37 93.3/84.2 Motor Claims / Non-Claims

Notes

1. Data for the period FY 2025-26 2. Market share is based on our Gross Written Premium of H1 FY 2026. 3. Data as of September 30, 2025. 4. Customers/people covered under policies issued since inception of operations in 2017 till September 30, 2025 5. AUM includes equity at market value & cash and bank balance. PRIVATE AND CONFIDENTIAL 4 Key Performance Indicators [IGAAP] Particulars FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 ₹ cr 251 186 0 252 217 117 251 199 51 252 213 102 252 213 102 251 193 26 Gross Written Premium Net Earned Premium Net retention Ratio (%) Loss Ratio (%) Combined Ratio (COR) (%) Combined Ratio (COR) without 1/n basis (%) Profit before Tax Profit after Tax# Return on Average Equity (IGAAP) (%) Net-worth [Equity] Solvency Ratio 10,282 8,046 80.0 72.8 109.3 108.6 425 425 13.0 4,033 2.24 5,029 3,715 78.6 70.5 108.7 108.7 191 191 6.0** 3,805 2.18 5,649 3,953 71.9 71.7 110.1 108.5 296 255 6.1** 4,290 2.26 2,369 1,891 81.4 70.6 112.2 112.2 89 89 2.4** 3,805 2.18 2,667* 2,08

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 Q2 2026 is 15.6% whereas for Q2 industry grew by 10% and Digit growth H1 2026 is 15.0%, whereas industry grew by 11.3%. PRIVATE AND CONFIDENTIAL 6 251 186 0 252 217 117 251 199 51 252 213 102 252 213 102 251 193 26 Results: Combined Ratio & Profit before tax Combined Ratio % (1) Without 1/n, COR for the period is 108.5%(2) Without 1/n, COR for the quarter is 109.9%(2) 109.3 108.7 110.1 112.2 111.4 Profit before Tax 425 425 ₹ cr 72.8 70.5 71.7 70.6 73.0 36.5 38.2 38.4 41.6 38.4 296 41 255 191 - 191 136 19 117 89 - 89 FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 FY 2025 H1 2025 H1 2026 Q2 2025 Q2 2026 Expense Ratio Claim Ratio PAT TAX

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. This has no impact on the profits 2. This has no impact on the profits PRIVATE AND CONFIDENTIAL 7 251 186 0 252 217 117 251 199 51 252 213 102 252 213 102 251 193 26 Growing Assets Under Management base leading to higher investment income Assets under management Investment Performance Investment Leverage Times(AUM multiple to Net-worth)