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-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 28-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 10-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Start date and time of board meeting 28-Apr-2025   15:20:00
End date and time of board meeting 28-Apr-2025   16:10:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Direct
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public NA
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. NA
(III) Whether the company is a high value debt listed entity according to regulation 15(1A)? No
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2025-01-22
Indicate Company website link for updated RPT policy of the Company https://www.godigit.com/investor-relations
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
Not Applicable


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
OPERATING RESULTS
1 Operating income
(i) Gross Premiums Written 25763800000 102821400000
(ii) Net Premium written 20337800000 82308100000
(iii) Premium Earned (Net) 22468700000 80459600000
(iv) Income from investments (net) 2840600000 11091000000
(v) Other income
1 Contribution from Shareholders Funds towards Excess EOM 3240100000 3240100000
2 Contribution towards remuneration of MD/CEO/WTD/Other KMPs 600000 2300000
3 Others 1800000 2200000
Total other income 3242500000 3244600000
(vi) Total income 28551800000 94795200000
2 Operating expenses
(i) Commissions & Brokerage (net) 5982700000 22283700000
(ii) Net commission 5982700000 22283700000
(iii) Operating Expenses related to insurance business
(a) Employees remuneration and welfare expenses 564700000 3215200000
(b) Other operating expenses
0 Business Development & Sales Promotion Expenses 84200000 2451100000
1 Other expenses 437600000 2109900000
Total other operating expenses 521800000 4561000000
(c) Total operating expenses related to insurance business 1086500000 7776200000
(iv) Premium Deficiency 0 0
(v) Incurred Claims
(a) Claims Paid 13536100000 38716800000
(b) Change in Outstanding Claims (incl. IBNR/IBNER) 3655900000 19872800000
Total Incurred claims 17192000000 58589600000
(vi) Total Expense 24261200000 88649500000
(vii) Underwriting Profit(Loss) -1792500000 -8189900000
(viii) Provisions for doubtful debts (including bad debts written off) 0 0
(ix) Provisions for diminution in value of investments 0 0
(x) Operating Profit/loss: 4290600000 6145700000
(xi) Appropriations
(a) Transfer to Profit and Loss A/c 4290600000 6145700000
(b) Transfer to reserves 0 0



NON-OPERATING RESULTS
1 Income in shareholder's account
(a) Transfer from Policyholders' Fund 4290600000 6145700000
(b) Income from investments 636200000 2156600000
(c) Other income
1 Other income 3700000 3700000
Total other income 3700000 3700000
Total income 4930500000 8306000000
2 Expenses
(i) Expenses other than those related to insurance business 3774400000 4056600000
(ii) Provisions for doubtful debts (including bad debts written off) 0 0
(iii) Provisions for diminution in value of investments 0 0
Total Expense 3774400000 4056600000
3 Profit / Loss before extraordinary items
 1156100000 4249400000
4 Extraordinary Items
0 0
5 Profit/ (loss) before tax
 1156100000 4249400000
6 Provision for tax
 0 0
7 Profit / (loss) after tax
 1156100000 4249400000
8 Divident per share
(a) Interim Dividend 0 0
(b) Final dividend 0 0
9 Opening Balance and Approproations from PAT (Net) 0 0
10 Profit (loss) carried to balance sheet 1156100000 4249400000
11 Paid up equity capital 9230300000 9230300000
12 Reserve and Surplus (Excluding Revualuation Reserve) 31423700000 31423700000
13 Fair value change account and revaluation reserve 2483000000 2483000000
14 Assets
(a) Investments
(i) Shareholders Fund 39362800000 39362800000
(ii) Policyholders' Fund 155277400000 155277400000
Total investments 194640200000 194640200000
(b) Other Assets (Net of current liabilites and provisions) -148003200000 -148003200000
Total assets 46637000000 46637000000



Analytical Ratios
(i) Solvency ratio 0.0224 0.0224
(ii) Expenses of management ratio 0.3899 0.3903
(iii) Incurred Claim Ratio 0.7652 0.7282
(iv) Net retention ratio 0.7894 0.8015
(v) Combined ratio 1.1127 1.0934
(vi) Earning per share
(a) Basic and diluated EPS before extraordinary items (net of tax expense) for the period (not to be annualized) 1.25 4.65
(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) 1.25 4.62
(vii) NPA ratios
(a) Gross NPAs 0 0
(c) Net NPAs 0 0
(b) Percentage of Gross NPAs 0 0
(d) Percentage of net NPAs 0 0
(viii) Yield on Investments
(a) Without unrealized gains 182000 719000
(b) With unrealised gains 183000 760000
(ix) Public shareholding (in case of public sector insurance companies)
(a) Number of shares 248122662 248122662
(b) Percentage of shareholding 0.2688 0.2688
(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 1 116
(iii) No of investor complaints disposed off during the period 1 116
(iv) No of investor complaints remaining unresolved at the end of the period 0 0



(c) Notes Format for financial results by general insurance companies filed with stock exchanges
(i) Net of reinsurance (Including Excess of Loss Reinsurance ceded) (ii) Net of accretion/amortisation (including capital gains) (iii) Commission is net of commission received on reinsurance ceded (iv) Incurred claims are net of reinsurance recoveries (v) Analytical ratios have been calculated as per definiton given in IRDAI analytical ratios disclosures (va) Solvency has been computed as at last day of the period (vb) The Expenses of Management has been computed on the basis of Gross Direct Premium (vi) Not Annualized for the periods / quarters (vii) Net of Debit balance in Profit & Loss account and includes ESOP Reserve



Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
Segment Income
1 Fire
(i) Net premium 417300000 1192600000
(ii) Income form investments 59700000 223100000
(iii) Other income 0 0
2 Marine
(i) Net premium 61900000 97800000
(ii) Income form investments 3200000 5700000
(iii) Other income 0 0
3 Health including personal accident
(i) Net premium 0 0
(ii) Income form investments 0 0
(iii) Other income 0 0
4 Health retail
(i) Net premium 169630000 668230000
(ii) Income form investments 10700000 38900000
(iii) Other income 15842000 15842000
5 Health group
(i) Net premium 3302910000 13220810000
(ii) Income form investments 199000000 784800000
(iii) Other income 222672000 222672000
6 Health government schemes
(i) Net premium 890174000 2650774000
(ii) Income form investments -2000000 101800000
(iii) Other income 0 0
7 Motor
(i) Net premium 13733100000 54240500000
(ii) Income form investments 2514700000 9584500000
(iii) Other income 2959713000 2961813000
8 Retail
(i) Net premium 262057000 944157000
(ii) Income form investments 19200000 76500000
(iii) Other income 44006000 44006000
9 Group and corporate
(i) Net premium 509695000 922495000
(ii) Income form investments 56000000 121200000
(iii) Other income 158000 158000
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 3121900000 6522200000
(ii) Income form investments -19800000 154600000
(iii) Other income 0 0

Notes to the Income
Segments include : (A) Fire, (B) Marine, (C) Health including Personal Accident - (i) Health Retail, (ii) Health Group/Corporate, and (iii) Health Government Schemes, (D) Motor, (E) Miscellaneous - (i) Retail, (ii) Group / Corporate, (F) Crop Insurance *Include Travel


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
Segment Premium Deficiency
1 Fire 0 0
2 Marine 0 0
3 Health including personal accident 0 0
4 Health Retail 0 0
5 Health Group 0 0
6 Health Government Schemes 0 0
7 Motor 0 0
8 Retail 0 0
9 Group And Corporate 0 0
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 0 0
11 Unallocated


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
Segment Underwriting Profit/Loss
1 Fire -6700000 400400000
2 Marine 28300000 80900000
3 Health including personal accident 0 0
4 Health Retail 1283000 19383000
5 Health Group 214795000 -174505000
6 Health Government Schemes 37222000 28922000
7 Motor -2194100000 -8566100000
8 Retail 17410000 -220690000
9 Group And Corporate 50290000 32190000
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 59000000 209600000
11 Unallocated


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter Year to Date Figures
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
Segment Operating Profit/Loss
1 Fire 53000000 623500000
2 Marine 31500000 86600000
3 Health including personal accident 0 0
4 Health Retail 27825000 74125000
5 Health Group 636467000 832967000
6 Health Government Schemes 35222000 130722000
7 Motor 3280313000 3980213000
8 Retail 80616000 -100184000
9 Group And Corporate 106448000 153548000
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 39200000 364200000
11 Unallocated


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter
Date of start of reporting period 01-Jan-2025
Date of end of reporting period 31-Mar-2025
Whether accounts are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
Segment Technical Liabilities (Unexpired Risk Reserve-Net)
1 Fire 1155504000
2 Marine 37051000
3 Health including personal accident 0
4 Health Retail 389017000
5 Health Group 5728601000
6 Health Government Schemes 790614000
7 Motor 29127901000
8 Retail 529721000
9 Group And Corporate 963342000
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 0
11 Unallocated


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Current Quarter
Date of start of reporting period 01-Jan-2025
Date of end of reporting period 31-Mar-2025
Whether accounts are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
Segment Technical Liabilities (Unexpired Claims Reserves Including IBNR & IIBNER)
1 Fire 1451474000
2 Marine 65979000
3 Health including personal accident 0
4 Health Retail 122221000
5 Health Group 3872939000
6 Health Government Schemes 1072126000
7 Motor 81832278000
8 Retail 595211000
9 Group And Corporate 1155263000
10 Any other class as may be specified by the Authority. - Enter the name below
Name of Other Segment
1 Crop 2457624000
11 Unallocated


Format for financial results by general insurance companies filed with stock exchanges
Partiuclars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether accounts are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
Sources of Funds
1 Share capital 9230300000
2 Reserves and surplus 34410700000
3 Share application money pending allotment 0
4 Fair value change account
(a) Policyholders funds 260200000
(b) Shareholders funds 2222800000
5 Borrowings 3500000000
6 Minority Interest 0
Total Sources of Funds 49624000000
APPLICATION OF FUNDS
1 Investments shareholders 39362800000
2 Investments policyholders 155277400000
2 Loans 0
3 Fixed assets 1615600000
4 Deferred Tax Asset 0
5 Current assets
Cash and bank balances 2390500000
Advances and other assets 15963100000
6 Sub-total (a) 18353600000
7 Current liabilities 129040600000
8 Provisions 38931800000
9 Sub-total (b) 167972400000
10 Net current assets (c) = (a - b) -149618800000
11 Miscellaneous expenditure (to the extent not written off or adjusted) 0
12 Debit balance in profit & loss account (shareholder ' s account) 2987000000
13 Total 49624000000
14 Contigent Liabilities 0



Cash flow statement,direct
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2024
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
Statement of cash flows
Cash flows from used in operating activities
Classes of cash receipts from operating activities
Receipts from sales of goods and rendering of services 0
Receipts from royalties fees, commissions and other revenue 0
Receipts from contracts held for dealing or trading purpose 0
Receipts from premiums and claims annuities and other policy benefits 104116600000
Receipts from rents and subsequent sales of assets held for rental to others and subsequently held for sale 0
Other cash receipts from operating activities 0
Classes of cash payments from operating activities
Payments to suppliers for goods and services 42856600000
Payments from contracts held for dealing or trading purpose 0
Payments to and on behalf of employees 0
Payments for premiums and claims, annuities and other policy benefits 36385600000
Payments to manufacture or acquire assets held for rental to others and subsequently held for sale 0
Other cash payments from operating activities 8834100000
Net cash flows from (used in) operations 16040300000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities 16040300000
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 65408800000
Other cash payments to acquire equity or debt instruments of other entities 104552500000
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Proceeds from sales of property, plant and equipment 4200000
Purchase of property, plant and equipment 178000000
Proceeds from sales of investment property 0
Purchase of investment property 0
Proceeds from sales of goodwill 0
Purchase of goodwill 0
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Proceeds from biological assets other than bearer plants 0
Purchase of biological assets other than bearer plants 0
Proceeds from sales of other long-term assets 0
Purchase of other long-term assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 10976900000
Income taxes paid (refund) 0
Other inflows (outflows) of cash -33700000
Proceeds from government grants 0
Net cash flows from (used in) investing activities -28374300000
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries that do not result in loss of control 0
Payments from changes in ownership interests in subsidiaries that do not result in loss of control 0
Proceeds from issuing shares 11210800000
Proceeds from issuing other equity instruments 0
Payments to acquire or redeem entity's shares 0
Payments of other equity instruments 0
Proceeds from exercise of stock options 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Payments of lease liabilities 0
Dividends paid 0
Interest paid 290400000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities 10920400000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes -1413600000
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents -1413600000
Cash and cash equivalents cash flow statement at beginning of period 3557900000
Cash and cash equivalents cash flow statement at end of period 2144300000



Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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-Dec-2025
2 PKF Sridhar and Santhanam LLP Yes 31-Oct-2025


Signatories details

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


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Purchase of goods or services 162000000 Ok 18077000 3149000 0
2 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction Reimbursement of Expenses 3839000 Ok 3839000 -1446000 0
3 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction Reimbursement of IPO expenses 116700000 Ok 116742000 0 0
4 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Sale of goods or services 300000 Ok 300000 -155000 -802000
5 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction ESOP cost charged 11218000 Ok 11218000 10509000 21727000
6 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction Seat sharing expense recovery 1000000 Ok 354000 0 54000
7 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction Security deposit refund 24000000 Ok 24000000 24000000 0
8 Go Digit General Insurance Limited Go Digit Infoworks Services Private Limited Holding Company and Company in which Director is interested Any other transaction Purchase of Fixed Asset 3640000 Ok 3640000 0 0
9 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Purchase of goods or services 500000 Ok 500000 2523000 2037000
10 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Any other transaction Seat sharing expense recovery 37500000 Ok 24943000 1469000 0
11 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Sale of goods or services 9118000 Ok 9118000 -439000 -2124000
12 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Any other transaction Reimbursement of Expenses incurred on behalf 8242000 Ok 8242000 3117000 12389000
13 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Any other transaction Reimbursement of expenditure for Combi products 5500000 Ok 53000 0 0
14 Go Digit General Insurance Limited Go Digit Life Insurance Limited Promoter Group Company Any other transaction Security deposit taken 957000 Ok 957000 -12668000 -13625000
15 Go Digit General Insurance Limited Valueattics Reinsurance Limited Promoter Group Company Any other transaction Reimbursement of Expenses incurred on behalf 61000 Ok 61000 0 -61000
16 Go Digit General Insurance Limited Oben Ventures LLP Director is a designated partnern[Kamesh Goyal] Any other transaction Reimbursement of Expenses incurred on behalf 12000 Ok 12000 0 0
Total value of transaction during the reporting period 222056000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt