INTEGRATED FILING — GI



General information about company

Scrip code 544179
NSE Symbol GODIGIT
MSEI Symbol NOTLISTED
ISIN INE03JT01014
Name of Company Go Digit General Insurance Limited
Type of company Main Board
Class of security Equity
Type Of Insurance Non-Linked Policy
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 22-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Unaudited
Start date and time of board meeting 22-01-2026   17:15:00
End date and time of board meeting 22-01-2026   17:46:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
NA


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
OPERATING RESULTS
1 Operating income
(i) Gross Premiums Written 2,90,918.00 8,55,843.00
(ii) Net Premium written 2,14,820.00 6,20,811.00
(iii) Premium Earned (Net) 2,16,011.00 6,11,332.00
(iv) Income from investments (net) 33,739.00 97,138.00
(v) Other income
1 Contribution towards remuneration of MD/CEO/WTD/Other KMPs 17.00 62.00
2 Others 2.00 20.00
Total other income 19.00 82.00
(vi) Total income 2,49,769.00 7,08,552.00
2 Operating expenses
(i) Commissions & Brokerage (net) 60,288.00 1,77,751.00
(ii) Net commission 60,288.00 1,77,751.00
(iii) Operating Expenses related to insurance business
(a) Employees remuneration and welfare expenses 9,522.00 27,666.00
(b) Other operating expenses
0 Business Development & Sales Promotion Expenses 5,697.00 13,341.00
1 Other expenses 6,433.00 18,908.00
Total other operating expenses 12,130.00 32,249.00
(c) Total operating expenses related to insurance business 21,652.00 59,915.00
(iv) Premium Deficiency 0.00 0.00
(v) Incurred Claims
(a) Claims Paid 1,31,063.00 3,31,136.00
(b) Change in Outstanding Claims (incl. IBNR/IBNER) 25,610.00 1,09,106.00
Total Incurred claims 1,56,673.00 4,40,242.00
(vi) Total Expense 2,38,613.00 6,77,908.00
(vii) Underwriting Profit(Loss) (22,602.00) (66,576.00)
(viii) Provisions for doubtful debts (including bad debts written off) 0.00 0.00
(ix) Provisions for diminution in value of investments 0.00 0.00
(x) Operating Profit/loss: 11,156.00 30,644.00
(xi) Appropriations
(a) Transfer to Profit and Loss A/c 11,156.00 30,644.00
(b) Transfer to reserves 0.00 0.00



NON-OPERATING RESULTS
1 Income in shareholder's account
(a) Transfer from Policyholders' Fund 11,156.00 30,644.00
(b) Income from investments 7,290.00 20,971.00
(c) Other income
1 Other income 44.00 181.00
Total other income 44.00 181.00
Total income 18,490.00 51,796.00
2 Expenses
(i) Expenses other than those related to insurance business 2,199.00 5,879.00
(ii) Provisions for doubtful debts (including bad debts written off) 0.00 0.00
(iii) Provisions for diminution in value of investments 0.00 0.00
Total Expense 2,199.00 5,879.00
3 Profit / Loss before extraordinary items
 16,291.00 45,917.00
4 Extraordinary Items
0.00 0.00
5 Profit/ (loss) before tax
 16,291.00 45,917.00
6 Provision for tax
 2,282.00 6,424.00
7 Profit / (loss) after tax
 14,009.00 39,493.00
8 Divident per share
(a) Interim Dividend 0.00 0.00
(b) Final dividend 0.00 0.00
9 Opening Balance and Appropriations from PAT (Net) 0.00 0.00
10 Profit (loss) carried to balance sheet 14,009.00 39,493.00
11 Paid up equity capital 92,429.00 92,429.00
12 Reserve and Surplus (Excluding Revaluation Reserve) 3,55,765.00 3,55,765.00
13 Fair value change account and revaluation reserve 40,291.00 40,291.00
14 Assets
(a) Investments
(i) Shareholders Fund 4,43,676.00 4,43,676.00
(ii) Policyholders' Fund 17,96,071.00 17,96,071.00
Total investments 22,39,747.00 22,39,747.00
(b) Other Assets (Net of current liabilities and provisions) (17,16,250.00) (17,16,250.00)
Total assets 5,23,497.00 5,23,497.00



Analytical Ratios
(i) Solvency ratio 2.300 2.300
(ii) Expenses of management ratio 43.400 40.0
(iii) Incurred Claim Ratio 72.500 72.00
(iv) Net retention ratio 73.800 72.500
(v) Combined ratio 110.700 110.300
(vi) Earning per share
(a) Basic and diluated EPS before extraordinary items (net of tax expense) for the period (not to be annualized) 1.52 4.28
(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) 1.51 4.27
(vii) NPA ratios
(a) Gross NPAs 0.00 0.00
(c) Net NPAs 0.00 0.00
(b) Percentage of Gross NPAs 0 0
(d) Percentage of net NPAs 0 0
(viii) Yield on Investments
(a) Without unrealized gains 1.90 5.60
(b) With unrealised gains 2.20 6.30
(ix) Public shareholding (in case of public sector insurance companies)
(a) Number of shares 249326427 249326427
(b) Percentage of shareholding 27.00 27.00
(c) Percentage of government holding 0 0



Investor Compliants
(i) No of investor complaints pending at the beginning of the period 0 0
(ii) No of investor complaints during the period 0 1
(iii) No of investor complaints disposed off during the period 0 1
(iv) No of investor complaints remaining unresolved at the end of the period 0 0



Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
Segment Income
1 Fire
(i) Net premium 3,629.00 7,873.00
(ii) Income form investments 749.00 2,174.00
(iii) Other income 0.00 1.00
2 Marine
(i) Net premium 203.00 32.00
(ii) Income form investments 19.00 53.00
(iii) Other income 0.00 0.00
3 Health including personal accident
(i) Net premium 0.00 0.00
(ii) Income form investments 0.00 0.00
(iii) Other income 0.00 0.00
4 Health retail
(i) Net premium 1,949.00 5,749.00
(ii) Income form investments 122.00 331.00
(iii) Other income 0.00 1.00
5 Health group
(i) Net premium 30,018.00 95,464.00
(ii) Income form investments 1,964.00 6,288.00
(iii) Other income 0.00 2.00
6 Health government schemes
(i) Net premium 4,677.00 18,704.00
(ii) Income form investments 225.00 1,002.00
(iii) Other income 0.00 0.00
7 Motor
(i) Net premium 1,51,155.00 4,42,335.00
(ii) Income form investments 29,623.00 84,031.00
(iii) Other income 19.00 76.00
8 Retail
(i) Net premium 2,865.00 8,155.00
(ii) Income form investments 259.00 767.00
(iii) Other income 0.00 1.00
9 Group and corporate
(i) Net premium 2,307.00 3,633.00
(ii) Income form investments 363.00 1,077.00
(iii) Other income 0.00 1.00
10 Any other class as may be specified by the Authority. - Enter the name below
(1) Other segment 1
Name of other segment Crop
(i) Net premium 19,208.00 29,387.00
(ii) Income form investments 415.00 1,415.00
(iii) Other income 0.00 0.00

Unallocated
(i) Net premium 0.00 0.00
(ii) Income form investments 0.00 0.00
(iii) Other income 0.00 0.00


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
Segment Premium Deficiency
1 Fire 0.00 0.00
2 Marine 0.00 0.00
3 Health including personal accident 0.00 0.00
4 Health Retail 0.00 0.00
5 Health Group 0.00 0.00
6 Health Government Schemes 0.00 0.00
7 Motor 0.00 0.00
8 Retail 0.00 0.00
9 Group And Corporate 0.00 0.00
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 0.00 0.00
11 Unallocated 0.00 0.00


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
Segment Underwriting Profit/Loss
1 Fire 2,598.00 9,686.00
2 Marine 113.00 620.00
3 Health including personal accident 0.00 0.00
4 Health Retail (409.00) (781.00)
5 Health Group 1,206.00 3,009.00
6 Health Government Schemes (31.00) 1,103.00
7 Motor (28,019.00) (84,192.00)
8 Retail 163.00 (431.00)
9 Group And Corporate 1,865.00 4,481.00
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop (88.00) (71.00)
11 Unallocated 0.00 0.00


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
Segment Operating Profit/Loss
1 Fire 3,347.00 11,861.00
2 Marine 132.00 673.00
3 Health including personal accident 0.00 0.00
4 Health Retail (287.00) (448.00)
5 Health Group 3,170.00 9,299.00
6 Health Government Schemes 194.00 2,105.00
7 Motor 1,623.00 (85.00)
8 Retail 422.00 337.00
9 Group And Corporate 2,228.00 5,558.00
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 327.00 1,344.00
11 Unallocated 0.00 0.00


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter
Date of start of reporting period 01-10-2025
Date of end of reporting period 31-12-2025
Whether results are audited or unaudited Unaudited
Nature of report standalone or consolidated Standalone
Segment Technical Liabilities (Unexpired Risk Reserve-Net)
1 Fire 12,863.00
2 Marine 225.00
3 Health including personal accident 0.00
4 Health Retail 4,122.00
5 Health Group 49,168.00
6 Health Government Schemes 0.00
7 Motor 3,12,012.00
8 Retail 5,809.00
9 Group And Corporate 4,719.00
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 7,778.00
11 Unallocated 0.00


Format for financial results by general insurance companies filed with stock exchanges

Amount in (Lakhs)

Partiuclars Current Quarter
Date of start of reporting period 01-10-2025
Date of end of reporting period 31-12-2025
Whether results are audited or unaudited Unaudited
Nature of report standalone or consolidated Standalone
Segment Technical Liabilities (Unexpired Claims Reserves Including IBNR & IIBNER)
1 Fire 16,689.00
2 Marine 463.00
3 Health including personal accident 0.00
4 Health Retail 1,801.00
5 Health Group 26,015.00
6 Health Government Schemes 15,456.00
7 Motor 9,41,848.00
8 Retail 7,608.00
9 Group And Corporate 9,714.00
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 15,763.00
11 Unallocated 0.00



Details of Impact of Audit Qualification

Amount in (Lakhs)

Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 Kirane and Pandit LLP Yes 31-12-2028
2 PKF Sridhar and Santhanam LLP Yes 31-10-2028


Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date