# Go Digit General Insurance (GODIGIT) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/godigit

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹248.8
- Change: -4.44%
- As of: 2026-11-06
- 1D return: -4.44%
- 5D return: -4.53%
- 1M return: -4.84%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

GODIGIT (₹248.80) exhibits a developing daily downtrend, trading below all major moving averages and the Supertrend indicator. The ADX of 24.58 suggests the downward momentum is strengthening, supported by a bearish weekly structure and negative slopes across short- and medium-term averages. Recent price action includes wide intraday ranges on November 3 and 27, with significant downside anomalies indicating active selling pressure. The stock is positioned near the lower end of its 20-day (+8.1%) and 252-day (+12.7%) ranges, reflecting a substantial year-to-date decline of -28.3% and a current drawdown of -33.2%. While the monthly Supertrend remains bullish, the daily and weekly bearish signals dominate the immediate outlook. Key resistance lies at ₹253.15 (1.75% above), while support is observed at ₹244.20 (1.85% below). A sustained move above the 20-day EMA would be required to challenge the prevailing bearish bias.

- Trend Direction: Daily trend is bearish with developing strength (ADX 24.58); price trades below all key MAs and the daily Supertrend.
- Price Positioning: Trading near the lower end of 20-day and 252-day ranges; YTD return is -28.3% with a current drawdown of -33.2%.
- Key Levels: Immediate resistance at ₹253.15 (+1.75%); immediate support at ₹244.20 (-1.85%).
- Momentum & Risk: High volatility (annualized +30.7%, ATR 4.03%) with recent wide-intraday-range anomalies signaling active downside participation.

- Inside Bar
- Bearish Engulfing Reversal
- Outside Bar
- Bullish Engulfing Reversal

### News Context

Go Digit General Insurance reported mixed results for the July-September quarter (Q2 FY27), highlighting a divergence between top-line revenue growth and bottom-line profitability. While insurance revenue rose 1.68% year-on-year to ₹2,720 crore, gross written premiums declined by 3.6% to ₹2,571 crore. This premium contraction coincided with a significant deterioration in underwriting efficiency; the combined insurance service ratio climbed to 99.8% from 94.9% in the prior year period, indicating that claims and operational costs nearly consumed all earned revenue. Consequently, net profit fell 31% year-on-year to ₹142 crore. Management attributed these pressures to higher claims costs, including flood-related losses, and structural market challenges where third-party motor insurance rates have remained stagnant over five years while pricing across other lines has drifted down. Despite these operational headwinds, the company’s balance sheet remains robust, with assets under management growing 15.9% to ₹24,371 crore and a solvency ratio maintained at 2.40 times.

- Profitability contracted sharply: Net profit dropped 31% YoY to ₹142 crore, driven by a combined insurance service ratio increase to 99.8% (from 94.9% YoY) as costs approached revenue levels.
- Premiums declined despite revenue growth: Gross written premium fell 3.6% to ₹2,571 crore, contrasting with a 1.68% rise in total insurance revenue to ₹2,720 crore.
- Structural pricing pressure: Management cited stagnant third-party motor insurance rates over the last five years and downward drift in pricing across most lines as key factors limiting margin expansion.
- Strong capital position: Assets under management grew 15.9% to ₹24,371 crore, and the insurer maintained a healthy solvency ratio of 2.40 times.

- [Go Digit posts 31% dip in net profit to Rs 142 crore - The Economic Times](https://economictimes.indiatimes.com/tech/startups/go-digit-posts-31-dip-in-net-profit-to-rs-142-crore/articleshow/135576852.cms)
- [Go Digit General Insurance Q2 FY27 Revenue Rises To ₹2,720 Crore, Premium Collections Decline As Combined Insurance Service Ratio Climbs To 99.8%](https://www.freepressjournal.in/business/go-digit-general-insurance-q2-fy27-revenue-rises-to-2720-crore-premium-collections-decline-as-combined-insurance-service-ratio-climbs-to-998)

### What Changed

Go Digit General Insurance reported Q2 FY2026-27 results on November 5, 2026, revealing a 31% year-on-year decline in net profit to ₹142 crore. Profitability pressure stemmed from a Combined Insurance Service Ratio (CISR) increase to 99.8% from 94.9%, driven by approximately ₹63 crore in flood-related claims and unattractive pricing in government health segments. Gross Written Premium fell 3.6% to ₹2,571 crore, though excluding non-renewed health reinsurance inward and government business, premium volume remained flat. Solvency remained robust at 2.40x with Assets Under Management growing 15.9% to ₹24,371 crore.

Concurrently, the company advanced its amalgamation with Go Digit Infoworks Services Private Limited. Equity shareholders approved the scheme via a court-convened meeting on November 5, 2026, which received majority public shareholder support. The transaction remains subject to final regulatory approvals from IRDAI and the NCLT. On the market front, the stock price declined from ₹260.35 to ₹248.80 as of November 6, 2026.

- Q2 Net profit fell 31% YoY to ₹142 crore; CISR rose to 99.8% due to ₹63 crore flood losses and soft pricing.
- GWP declined 3.6% to ₹2,571 crore; underlying volumes were flat after adjusting for exited government and reinsurance segments.
- Shareholders approved the amalgamation with Go Digit Infoworks on November 5, 2026; pending IRDAI and NCLT clearance.
- Stock price decreased to ₹248.80 on November 6, 2026, from ₹260.35 previously.

- [Go Digit posts 31% dip in net profit to Rs 142 crore - The Economic Times](https://economictimes.indiatimes.com/tech/startups/go-digit-posts-31-dip-in-net-profit-to-rs-142-crore/articleshow/135576852.cms)
- [Go Digit General Insurance Q2 FY27 Revenue Rises To ₹2,720 Crore, Premium Collections Decline As Combined Insurance Service Ratio Climbs To 99.8%](https://www.freepressjournal.in/business/go-digit-general-insurance-q2-fy27-revenue-rises-to-2720-crore-premium-collections-decline-as-combined-insurance-service-ratio-climbs-to-998)
- [Go Digit General Insurance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026164749_GDGIL_Outcome_of_BM_5112026_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026165754_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding a press release dated November 05, 2026, titled "Financial Presentation Q2 and H1 FY2026-27". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026170119_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding Proceedings of Court Convened General Meeting held on November 05, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026172612_GDGIL_Shareholders_Meeting_05112026_final.pdf)
- [MEETING DATE : 05-NOV-2026](https://nsearchives.nseindia.com/corporate/xbrl/RESULT_VOTING_1753689_05112026053433_WEB.xml)

### Official Filings

Go Digit General Insurance Limited reported unaudited Ind AS financial results for the quarter and half-year ended September 30, 2026, on November 5, 2026. The company recorded a Profit Before Tax (excluding mark-to-market impacts) of ₹278 crore for Q2 FY2026-27, down from ₹370 crore in the prior year period. Gross Written Premium (GWP) declined by 3.6% to ₹2,571 crore, primarily due to non-renewal of health reinsurance inward and government health business; excluding these segments, GWP remained flat. The Combined Insurance Service Ratio (CISR) increased to 99.8% from 94.9% in the prior year, driven by flood losses that added approximately ₹63 crore to claims costs. Despite operational headwinds, solvency remained strong at 2.40x, and Assets Under Management grew 15.9% to ₹24,371 crore.

In parallel corporate actions, the Board voluntarily surrendered IRDAI forbearance for FY 2026-27 and adopted Ind AS reporting with a transition date of April 1, 2025. Additionally, equity shareholders approved a Scheme of Amalgamation with Go Digit Infoworks Services Private Limited via a court-convened meeting on November 5, 2026. This resolution received majority approval from public shareholders but remains subject to requisite statutory and regulatory approvals, including those from the IRDAI and the National Company Law Tribunal (NCLT).

- Q2 FY2026-27 Profit Before Tax (excl. mark-to-market) was ₹278 crore, compared to ₹370 crore in the prior year period.
- Gross Written Premium fell 3.6% to ₹2,571 crore, attributed to non-renewal of specific health reinsurance and government business; CISR rose to 99.8% from 94.9%, impacted by ₹63 crore in flood-related claims.
- Solvency ratio stood at 2.40x, and Assets Under Management increased 15.9% to ₹24,371 crore.
- Shareholders approved amalgamation with Go Digit Infoworks Services Private Limited on November 5, 2026; the scheme is pending IRDAI and NCLT approvals.

- [Go Digit General Insurance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026164749_GDGIL_Outcome_of_BM_5112026_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026165754_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding a press release dated November 05, 2026, titled "Financial Presentation Q2 and H1 FY2026-27". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026170119_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding Proceedings of Court Convened General Meeting held on November 05, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026172612_GDGIL_Shareholders_Meeting_05112026_final.pdf)
- [MEETING DATE : 05-NOV-2026](https://nsearchives.nseindia.com/corporate/xbrl/RESULT_VOTING_1753689_05112026053433_WEB.xml)
- [Integrated Filing- Financials|Original|](https://nsearchives.nseindia.com/corporate/xbrl/IF_INS_COM_IND_AS_21009_WebXMLFile_20261105_192422730.xml)
- [Go Digit General Insurance Limited has informed the Exchange about Link of Recording |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026201831_Regulation_30_Disclosure_EarningsCallAudioRecording_Q2FY2627.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_02112026161548_GDGIL_Earnings_Call_Final.pdf)
- [Board Meeting Intimation |Meeting Date: 05-Nov-2026](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_21009_WebXMLFile_20261030_165644321.xml)
- [GO DIGIT GENERAL INSURANCE LIMITED has informed the Exchange about Board Meeting to be held on 05-Nov-2026 to inter-alia consider and approve the Unaudited Financial results of the Company for the Half Yearly ended September 2026 . |SUBJECT: Board Meeting Intimation](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_21009_WebXMLFile_20261030_171516012.xml)

### Fundamentals

Go Digit General Insurance demonstrates a transition from asset-light operations to significant capital accumulation, marked by a sharp rise in total assets from ₹5,009 crore to ₹29,651 crore between September 2025 and September 2026. This expansion is driven primarily by an increase in investments to ₹25,152 crore, while borrowings remain stable at ₹350 crore. The company maintains zero interest costs across all reported periods, indicating no reliance on debt financing for operations.

Profitability metrics show robust growth, with net profit rising from ₹425 crore in FY2025 to ₹544 crore in FY2026, supported by a strong compounded profit growth of 148% over three years. Return on Equity improved to 12% last year, and ROCE increased to 13% in March 2026. However, earnings quality signals require attention: the Cash from Operating Activity (₹2,026 crore) significantly exceeds Net Profit (₹544 crore), and the CFO/EBITDA ratio stands at 1,169%, suggesting substantial non-operating income or working capital dynamics distinct from core underwriting profits. Sales growth moderated to 7% TTM, down from historical highs, though YoY sales growth remained positive at 4% in March 2026.

Shareholding patterns show promoter stakes slightly diluted to 72.96% as of September 2026, while FIIs increased their holding to 6.58%. A notable data anomaly exists in the Solvency Ratio reporting, which shows a sequential jump from ₹0.02 to ₹240; investors should verify this metric against standard regulatory disclosures.

- Asset base expanded sharply to ₹29,651 crore (Sep 2026), driven by investments growing to ₹25,152 crore, while borrowings held flat at ₹350 crore.
- Net profit grew 28% YoY to ₹544 crore in FY2026, with ROE improving to 12% and ROCE reaching 13% in Mar 2026.
- Operating cash flow (₹2,026 crore) vastly exceeded net profit (₹544 crore), resulting in a CFO/EBITDA ratio of 1,169%, highlighting high cash conversion relative to reported earnings.
- Promoter holding decreased marginally to 72.96% (Sep 2026); FII stake rose to 6.58%; next checkpoint is verification of solvency ratio reporting consistency.

### Bear Case

Go Digit General Insurance faces significant near-term headwinds, evidenced by a sharp deterioration in underwriting profitability and sustained negative market momentum. For the July-September quarter (Q2 FY27), net profit contracted 31% year-on-year to ₹142 crore, driven by higher claims costs and flood-related losses. The combined insurance service ratio climbed to 99.8% from 94.9% in the prior year period, indicating that operating costs nearly consumed all generated revenue. This margin pressure is structural; management noted that third-party motor insurance rates have remained static for five years while pricing across other lines has drifted down. Concurrently, gross written premium declined 3.6% to ₹2,571 crore despite a slight rise in total insurance revenue. Market sentiment reflects these fundamentals, with the stock trading at a -30.0% one-year return and currently -33.2% below its peak. Technical indicators on daily and weekly timeframes are bearish, with the price closing at ₹248.80, below key resistance levels.

- Underwriting margins compressed significantly: Combined insurance service ratio rose to 99.8% (from 94.9% YoY), signaling that costs nearly matched revenue.
- Profitability and volume contraction: Net profit fell 31% to ₹142 crore, while gross written premium declined 3.6% to ₹2,571 crore due to softer market conditions and higher claims.
- Structural pricing challenges: Management highlighted that third-party motor insurance rates have not increased over the last five years, limiting pricing power.
- Sustained negative market performance: The stock has returned -30.0% over the past year and is currently 33.2% below its maximum drawdown high, with daily technical trends remaining bearish.

- [Go Digit posts 31% dip in net profit to Rs 142 crore - The Economic Times](https://economictimes.indiatimes.com/tech/startups/go-digit-posts-31-dip-in-net-profit-to-rs-142-crore/articleshow/135576852.cms)
- [Go Digit General Insurance Q2 FY27 Revenue Rises To ₹2,720 Crore, Premium Collections Decline As Combined Insurance Service Ratio Climbs To 99.8%](https://www.freepressjournal.in/business/go-digit-general-insurance-q2-fy27-revenue-rises-to-2720-crore-premium-collections-decline-as-combined-insurance-service-ratio-climbs-to-998)
- [Go Digit General Insurance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026164749_GDGIL_Outcome_of_BM_5112026_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026165754_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding a press release dated November 05, 2026, titled "Financial Presentation Q2 and H1 FY2026-27". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026170119_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding Proceedings of Court Convened General Meeting held on November 05, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026172612_GDGIL_Shareholders_Meeting_05112026_final.pdf)
- [MEETING DATE : 05-NOV-2026](https://nsearchives.nseindia.com/corporate/xbrl/RESULT_VOTING_1753689_05112026053433_WEB.xml)
- [Integrated Filing- Financials|Original|](https://nsearchives.nseindia.com/corporate/xbrl/IF_INS_COM_IND_AS_21009_WebXMLFile_20261105_192422730.xml)
- [Go Digit General Insurance Limited has informed the Exchange about Link of Recording |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026201831_Regulation_30_Disclosure_EarningsCallAudioRecording_Q2FY2627.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_02112026161548_GDGIL_Earnings_Call_Final.pdf)

### FAQs

**Why did Go Digit's net profit decline significantly in Q2 FY27 despite revenue growth?**

Net profit fell 31% year-on-year to ₹142 crore for the July-September quarter, driven by a Combined Insurance Service Ratio (CISR) rising to 99.8% from 94.9% in the prior year period. This increase indicates that underwriting costs nearly matched revenue, largely due to flood-related losses adding approximately ₹63 crore to claims and structural pricing pressures where third-party motor insurance rates have not increased over five years.

**What is the status of the proposed amalgamation with Go Digit Infoworks Services?**

Equity shareholders approved the Scheme of Amalgamation with Go Digit Infoworks Services Private Limited at a court-convened meeting on November 5, 2026, with a majority of public shareholders voting in favor. However, the scheme remains subject to requisite statutory and regulatory approvals, including those from the IRDAI and the National Company Law Tribunal (NCLT), and has not yet become effective.

**How has the stock's technical trend performed recently compared to its longer-term position?**

As of November 6, 2026, the stock closed at ₹248.80, reflecting a -30.0% return over the past year and a current drawdown of -33.2%. Daily and weekly trends are bearish, with the Supertrend indicating downward pressure and negative slopes on key moving averages. In contrast, the monthly trend remains bullish, suggesting a divergence between short-term weakness and longer-term momentum.

- [Go Digit posts 31% dip in net profit to Rs 142 crore - The Economic Times](https://economictimes.indiatimes.com/tech/startups/go-digit-posts-31-dip-in-net-profit-to-rs-142-crore/articleshow/135576852.cms)
- [Go Digit General Insurance Q2 FY27 Revenue Rises To ₹2,720 Crore, Premium Collections Decline As Combined Insurance Service Ratio Climbs To 99.8%](https://www.freepressjournal.in/business/go-digit-general-insurance-q2-fy27-revenue-rises-to-2720-crore-premium-collections-decline-as-combined-insurance-service-ratio-climbs-to-998)
- [Go Digit General Insurance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026164749_GDGIL_Outcome_of_BM_5112026_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026165754_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding a press release dated November 05, 2026, titled "Financial Presentation Q2 and H1 FY2026-27". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026170119_Intimation_Analyst_PPT_Press_Release_final.pdf)
- [Go Digit General Insurance Limited has informed the Exchange regarding Proceedings of Court Convened General Meeting held on November 05, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026172612_GDGIL_Shareholders_Meeting_05112026_final.pdf)
- [MEETING DATE : 05-NOV-2026](https://nsearchives.nseindia.com/corporate/xbrl/RESULT_VOTING_1753689_05112026053433_WEB.xml)
- [Integrated Filing- Financials|Original|](https://nsearchives.nseindia.com/corporate/xbrl/IF_INS_COM_IND_AS_21009_WebXMLFile_20261105_192422730.xml)
- [Go Digit General Insurance Limited has informed the Exchange about Link of Recording |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026201831_Regulation_30_Disclosure_EarningsCallAudioRecording_Q2FY2627.pdf)
- [Go Digit General Insurance Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/GODIGITGI_02112026161548_GDGIL_Earnings_Call_Final.pdf)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Weak Downtrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹259.6
- Risk regime: Higher Price Risk

### Support levels
- 244.2
- 231.65

### Resistance levels
- 316.046875
- 320.828125
- 327.23125000000005

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | -4.44% |
| return_10 | -7.68% |
| return_1m | -3.79% |
| return_1y | -30.01% |
| return_20 | -4.84% |
| return_3m | -7.89% |
| return_5 | -4.53% |
| return_6m | -18.08% |
| return_since_start | -23.97% |
| return_ytd | -28.26% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | high_risk |
| label | Higher price risk |
| summary | Recent drawdown or price variability is materially high and may lead to larger short-term outcomes. |
| maximum_drawdown | -35.81% |
| annualized_volatility | +30.73% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# Go Digit General Insurance Limited Q2 FY2026-27: Claims rise 34% sequentially

Go Digit reported an insurance service result of ₹43 crore and profit before tax of ₹190 crore for Q2 FY2026-27. Incurred claims rose 33.7% quarter on quarter to ₹1,968 crore and 29.1% year on year, while the combined operating ratio was 95.86%.

## Claims rise from Q1

Insurance revenue was ₹2,720 crore. Incurred claims increased from ₹1,472 crore in Q1 FY2026-27 to ₹1,968 crore in Q2, a 33.7% rise; they were also up 29.1% from ₹1,524 crore in Q2 FY2025-26. At ₹1,968 crore, claims were higher than in each of the preceding four reported quarters, including ₹1,731 crore in Q4 FY2025-26. The claims ratio was 62.4%.

## Service result remains positive

Insurance service expenses were ₹2,608 crore and the insurance service result was ₹43 crore, giving an insurance service margin of 4.14%. The expense ratio was 33.45% and the combined operating ratio was 95.86%. Commission expense was ₹782 crore and employee benefit expenses were ₹95.5 crore.

## Investment and finance results support profit

Investment income was ₹368 crore, comprising ₹423 crore of investment revenue on financial assets not measured at fair value through profit or loss and negative ₹55 crore of other investment revenue. The net finance result was ₹197 crore. Profit before tax was ₹190 crore and profit after tax was ₹142 crore. Basic and diluted earnings per share were ₹1.54 and ₹1.53, respectively.

## Cash flow and balance sheet

Cash flow from operating activities was ₹811 crore, while investing activities used ₹855 crore. Free cash flow was negative ₹44 crore. Investments stood at ₹25,152 crore as of 30 September 2026, up from ₹23,454 crore as of 30 June 2026. Total equity was ₹8,137 crore at quarter-end.

## Key Takeaway

The quarter paired a positive but modest ₹43 crore insurance service result with a sharp increase in claims, which rose both sequentially and year on year. Profit before tax of ₹190 crore included a ₹197 crore net finance result, underscoring the contribution of finance results alongside the insurance service performance.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q1
- As of: 2026-06-30
- Promoter holding: +73.00%
- FII holding: +8.23%
- DII holding: +15.01%
- Mutual fund holding: +8.86%
- Retail holding: +1.33%
- Promoter pledged: +0.00%

### Major reported shareholders

- Go Digit Infoworks Services Private Limited — +72.98% (Bodies Corporate)
- Mirae Asset Large & Midcap Fund — +4.76%
- A91 Emerging Fund I Llp — +1.51%
- Government Pension Fund Global — +1.43%
- Faering Capital India Evolving Fund Ii — +1.31%
- Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life Elss Tax Saver Fund — +1.27%
- Aadesh Goyal — +0.01%
- Valueattics Reinsurance Limited — +0.01% (Bodies Corporate)

## Official filings

- 2026-11-05 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026164749_GDGIL_Outcome_of_BM_5112026_final.pdf)
- 2026-11-05 — Earnings Presentation: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026165754_Intimation_Analyst_PPT_Press_Release_final.pdf)
- 2026-11-05 — Press Release: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026170119_Intimation_Analyst_PPT_Press_Release_final.pdf)
- 2026-11-05 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026172612_GDGIL_Shareholders_Meeting_05112026_final.pdf)
- 2026-11-05 — Regulatory Filing: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/RESULT_VOTING_1753689_05112026053433_WEB.xml)
- 2026-11-05 — Financial Results Filing: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/IF_INS_COM_IND_AS_21009_WebXMLFile_20261105_192422730.xml)
- 2026-11-05 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_05112026201831_Regulation_30_Disclosure_EarningsCallAudioRecording_Q2FY2627.pdf)
- 2026-11-02 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_02112026161548_GDGIL_Earnings_Call_Final.pdf)
- 2026-10-30 — Board Meeting Notice: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_21009_WebXMLFile_20261030_165644321.xml)
- 2026-10-30 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_21009_WebXMLFile_20261030_171516012.xml)
- 2026-10-30 — Board Meeting Notice: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_21009_WebXMLFile_20261030_171516012.xml)
- 2026-10-24 — Credit Rating Update: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_24102026171108_Intimation_Pursuant_to_Reg_30_Credit_Rating.pdf)
- 2026-10-21 — Shareholding Disclosure: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SHP_1743017_21102026043243_WEB.xml)
- 2026-10-15 — Press Release: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_15102026214442_GDGIL_Reg30_Press_Release.pdf)
- 2026-10-14 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_14102026182852_Intimation_Pursuant_to_Reg_74_5_final.pdf)
- 2026-09-30 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_30092026191300_Intimation_for_Newspaper_Publication_Chhatrapati_Sambhajinagar_edition.pdf)
- 2026-09-29 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_29092026203012_Draft_Reg_30_SE_Intimation_for_Newspaper_Publication_Final.pdf)
- 2026-09-28 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_21009_WebXMLFile_20260928_232314933.xml)
- 2026-09-28 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_28092026232919_GDGIL_Reg_30_SE_Intimation_for_Notice_of_NCLT_convened_meeting.pdf)
- 2026-09-28 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_28092026233103_GDGIL_Reg_30_SE_Intimation_for_Notice_of_NCLT_convened_meeting.pdf)
- 2026-09-25 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_25092026175200_GDGIL_Trading_Window_Closure.pdf)
- 2026-09-25 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CLOSURE_TRADING_WINDOW_21009_WebXMLFile_20260925_175820645.xml)
- 2026-09-24 — Credit Rating Update: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_24092026123819_GDGIL_Credit_Rating_24092026_Final.pdf)
- 2026-09-23 — Generic Announcement: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_23092026193034_GDGIL_-_Intimation_to_Exchanges_final_signed.pdf)
- 2026-09-10 — Management Change: Go Digit General Insurance Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/GODIGITGI_10092026200802_Reg_30_-_Disclosure_of_Resignation_of_ID_-_GA.pdf)

## News and market events

- 2026-11-05 — Economic Times: **Go Digit posts 31% dip in net profit to Rs 142 crore - The Economic Times** — Go Digit General Insurance reported a 31% year-on-year decline in net profit to Rs 142 crore for the July-September quarter, driven by higher claims costs, flood-related losses, and a softer insurance market. The company’s management previously highlighted structural challenges, noting that third-party motor insurance rates have not increased over the last five years while pricing across most lines has drifted down. — [Source](https://economictimes.indiatimes.com/tech/startups/go-digit-posts-31-dip-in-net-profit-to-rs-142-crore/articleshow/135576852.cms)
- 2026-11-05 — FREEPRESSJOURNAL.IN: **Go Digit General Insurance Q2 FY27 Revenue Rises To ₹2,720 Crore, Premium Collections Decline As Combined Insurance Service Ratio Climbs To 99.8%** — Go Digit General Insurance reported a 1.68% year-on-year increase in insurance revenue to ₹2,720 crore for Q2 FY27, despite a 3.6% decline in gross written premium to ₹2,571 crore. The company's combined insurance service ratio rose to 99.8% from 94.9% in the prior year period, indicating increased pressure on underwriting profitability as costs nearly matched revenue. Meanwhile, assets under management grew 15.9% to ₹24,371 crore, and the insurer maintained a solvency ratio of 2.40 times. — [Source](https://www.freepressjournal.in/business/go-digit-general-insurance-q2-fy27-revenue-rises-to-2720-crore-premium-collections-decline-as-combined-insurance-service-ratio-climbs-to-998)
- 2026-10-17 — Economic Times: **Fairfax plans to bring Digit, IIFL Capital under IDBI Bank** — Fairfax Financial Holdings plans to bring its interests in Go Digit and IIFL Capital Services under IDBI Bank, creating a financial-services group spanning banking, insurance, investment banking and wealth management. The proposed restructuring follows Fairfax's selection as strategic buyer for a 60.72% stake in the Indian lender for about Rs 52,878 crore. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/fairfax-plans-to-bring-digit-iifl-capital-under-idbi-bank/articleshow/134963940.cms)
- 2026-09-29 — BUSINESSTODAY: **YES Bank, REC, Go Digit Insurance: Top stocks to trade — Key levels, target prices & stop loss** — Stocks to buy, Stock picks, Stocks to trade, trading views, REC, YES Bank, Go Digit General Insurance, REC shares, YES Bank shares, Go Digit Insurance shares, REC share price, YES Bank share price, Go Digit Insurance share price, REC stock price, YES Bank stock price, Go Digit Insurance stock price, REC target price, YES Bank target price, Go Digit Insurance target price — [Source](https://www.businesstoday.in/markets/trending-stocks/story/yes-bank-rec-go-digit-insurance-top-stocks-to-trade-key-levels-target-prices-stop-loss-558405-2026-09-29)
- 2026-09-28 — Mint: **Top 5 Breakout stocks to buy: KPI Green, Crisil, Manyavar, Prudent, Go Digit by Sumeet Bagadia | Target, stop-loss | Stock Market News** — Sumeet Bagadia of Choice Broking recommends five stocks: KPI Green Energy, CRISIL, Vedant Fashions, Prudent Corporate Advisory Services, and Go Digit General Insurance based on technical setups and price momentum, with specific stop-loss and target levels outlined for each stock. — [Source](https://www.livemint.com/market/stock-market-news/top-5-breakout-stocks-to-buy-kpi-green-crisil-manyavar-prudent-go-digit-by-sumeet-bagadia-target-stoploss-11790605918011.html)
- 2026-09-18 — BUSINESS: **Volumes spurt at The Bombay Burmah Trading Corporation Ltd counter** — The Bombay Burmah Trading Corporation Ltd notched up volume of 19.17 lakh shares by 10:45 IST on BSE, a 517 fold spurt over two-week average daily volume of 3708 shares — [Source](https://www.business-standard.com/markets/capital-market-news/volumes-spurt-at-the-bombay-burmah-trading-corporation-ltd-counter-126091800311_1.html)
- 2026-08-05 — CNBC-TV18: **Here's why shares of ICICI Lombard, Go Digit, and New India Assurance surged up to 8% today** — At the end of financial year 2026, the Motor Third-party contributed 20% to ICICI Lombard's Gross Direct Premium Income (GDPI). The same figure for Go Digit stood at 42.5% and for New India Assurance, it stood at 14%. — [Source](https://www.cnbctv18.com/market/icici-lombard-go-digit-new-india-assurance-share-price-supreme-court-motor-third-party-rules-premium-impact-auto-19961927.htm)
- 2026-08-05 — CNBC-TV18: **Sensex Today | Stock Market Live Updates: Nifty may open above 24,800; Brent slips to 78.50** — Sensex Today | Stock Market Live Updates: It remains to be seen how the index moves in case it tests 24,800 on the upside yet again. The Nifty Bank, which underperformed for most of Tuesday, also saw a jump on Tuesday in the final tick, closing back near the 58,000 mark, sustaining above which will be key. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-rbi-policy-today-cas-ongc-lombard-auto-nbfcs-realty-bharti-nykaa-share-price-liveblog-19961862.htm)
- 2026-08-04 — MONEYCONTROL: **Life insurers top FY26 complaint chart; claim-related issues account for over 41% of grievances** — Insurance complaints FY26, life insurance complaints, IRDAI complaint data, insurance claim-related grievances, insurance complaint trends India — [Source](https://www.moneycontrol.com/news/business/personal-finance/life-insurers-top-fy26-complaint-chart-claim-related-issues-account-for-over-41-of-grievances-13994230.html)
- 2026-07-30 — The Hindu: **Sensex today | Stock Market Live: Sensex, Nifty trade flat; IT stocks outperform in cautious market** — Sensex, Nifty, Stock Price Live Updates: Indian benchmark indices traded in a narrow range on Thursday, with gains in IT stocks led by Persistent Systems, Wipro and Coforge helping offset global uncertainty over the Fed, elevated crude oil prices and geopolitical tensions in West Asia, while investors remained focused on Q1 earnings. — [Source](https://www.thehindubusinessline.com/markets/sensex-nifty50-today-stock-market-live-updates-30th-july-2026/article71281731.ece)
- 2026-07-30 — The Hindu: **ICICI Prudential MF buys stake in Go Digit General Insurance for ₹139 crore** — The block deal comes as Peak XV continues trimming its investment in the insurer, while Go Digit shares gained over 1%. — [Source](https://www.thehindubusinessline.com/markets/stock-markets/icici-prudential-mf-buys-stake-in-go-digit-general-insurance-for-139-crore/article71284818.ece)
- 2026-07-29 — The Hindu: **Wednesday watchlist: Go Digit, Graphite India, RVNL, HUDCO, Tanla Platforms, Euro Panel** — Stocks in focus today include Go Digit, Graphite India, RVNL, HUDCO, Tanla Platforms, and Euro Panel due to key developments. — [Source](https://www.thehindubusinessline.com/markets/go-digit-graphite-india-rvnl-hudco-tanla-platforms-euro-panel-in-focus-today/article71279570.ece)
- 2026-07-26 — Economic Times: **Ahead of Market: 10 things that will decide stock market action on Monday** — Indian equities extended losses for a fifth straight session, pressured by elevated oil prices and persistent FII outflows. Despite intraday recovery, sentiment remains weak amid rising US yields and global uncertainty. Analysts flag key technical levels for Nifty, while stock-specific action and broader market resilience remain in focus. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/ahead-of-market-10-things-that-will-decide-stock-market-action-on-monday/articleshow/132640467.cms)
- 2026-07-24 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Nifty extends losses to over 250 points; Go Digit down 7%** — Sensex Today | Stock Market LIVE Updates: The markets are under pressure again, as the bulls stare down the barrel of a weekly decline. The Nifty is down over 160 points, falling towards 23,600. The Nifty Bank is down over 4000 points, falling to 56,000. Shriram Fin, IndiGo and Eternal are the top laggards. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-brent-crude-tariffs-infosys-indigo-bob-textile-midcaps-share-price-liveblog-19952825.htm)
- 2026-07-24 — Economic Times: **Flipkart chief rules out IPO timeline; Infosys names new CEO** — Happy Friday! Flipkart group CEO Kalyan Krishnamurthy talked to us about IPO plans, quick commerce, and festive demand. That and more in todays ETtech Morning Dispatch. — [Source](https://economictimes.indiatimes.com/tech/newsletters/morning-dispatch/flipkart-chief-rules-out-ipo-timeline-infosys-names-new-ceo/articleshow/132594401.cms)
- 2026-07-23 — CNBC-TV18: **Q1 Results LIVE Updates: Motilal Oswal operating profit rises 14% to ₹609 crore** — Q1 Results LIVE Updates: Three more Nifty 50 stocks, Infosys, IndiGo, Cipla, are reporting their June quarter results today. IEX, Allied Blenders, Chennai Petro, Capital Small Finance Bank, Go Digit General Insurance, Cyient, Mahindra Life, Motilal Oswal, Mphasis, PVR INOX, are among the other results coming in today. Result reactions will be keenly awaited from Dr. Reddy's Laboratories, whose ADR fell 10% overnight, and IndusInd Bank among many others. Watch this space for all the LIVE earnings updates. — [Source](https://www.cnbctv18.com/market/q1-results-live-updates-infosys-cipla-indigo-dr-reddys-indusind-iex-ofss-meesho-motilal-oswal-cyient-share-price-liveblog-19951905.htm)

## Business profile

**Strategic vision:** Digital-first insurance provider simplifying products and claims.

### Business segments
- **General Insurance:** This segment offers a range of insurance products including motor, health, home, travel, and business insurance solutions.
- **Life Insurance:** This segment provides life insurance products such as term life, savings plans, retirement plans, and group life insurance.

### Competitive strengths
- Digital-first approach to insurance
- Streamlined processes through technology
- Focus on simplifying insurance products and claims

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## Freshness and sources

- Data as of: 2026-11-06
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/godigit
Markdown representation: https://faxioms.com/stocks/godigit?render=md