Go Digit General Insurance share price
NSE: GODIGITBSE: 544179InsuranceSmall Cap
Go Digit General Insurance Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed May 2024 · Issue price ₹272
Last close ₹262.10up ₹3.95 (1.53%)BSE ₹262.20
Share price at the NSE close on 28 Oct 2026. Previous close ₹258.15.
28 Oct: open ₹256.05, high ₹264.80, low ₹256.05
52-week range of traded prices to 28 Oct 2026
₹231.65Low, 21 Sep 2026₹374.00High, 29 Oct 2025
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹24,248 Cr268th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 49.24
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 5.12
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 11.0%
- SolvencySolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. At the end of Jun 2026. Solvency ratio in the glossary
- 2.43times the capital required
- Gross premiumGross premium. Premium on the policies sold and renewed in the period, before the part passed on to reinsurers: a general insurer's gross premiums written, a life insurer's gross premium income. For the year to Mar 2026. Gross premium in the glossary
- ₹11,294 Cr
- Combined ratioCombined ratio. Claims plus expenses as a percentage of premium, as the general insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told. For the year to Mar 2026. Combined ratio in the glossary
- 110.70%
- Claims ratioClaims ratio. Claims incurred as a percentage of premium earned, as the general insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026. Claims ratio in the glossary
- 72.90%
- Expense ratioExpense ratio. The costs of running the insurance business, commission included, as a percentage of premium, as the insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026. Expense ratio in the glossary
- 40.50%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 1,07,54737.2% delivered
About Go Digit General Insurance
Go Digit General Insurance Limited, known as Digit Insurance, is a non-life insurer serving individuals, businesses and institutions across India.12 It offers individuals motor, health, travel, cyber and property insurance, and businesses cover such as commercial vehicle, marine cargo, crop, aviation, engineering, property, workmen's compensation and liability insurance.3
It sells through brokers, corporate agents, motor insurance service providers, web aggregators, insurance marketing firms and individual agents.3 It reports its results in fire, marine and miscellaneous segments and has no subsidiaries.45
The company was incorporated on 7 Dec 2016 and has its registered office in Pune and its corporate office in Bengaluru.6 It received its registration from the insurance regulator, IRDAI, on 20 Sep 2017 and listed its shares on BSE and NSE on 23 May 2024.78
It is promoted by Kamesh Goyal, its chairman, and FAL Corporation, a wholly owned subsidiary of Canada-based Fairfax Financial Holdings.910 Its holding company, Go Digit Infoworks Services Private Limited, holds 72.99% of its shares.11 It uses the Digit and Go Digit brands under a licence from Go Digit Solutions Private Limited, a promoter group company, and Jasleen Kohli is its managing director and chief executive.1213
Go Digit General Insurance key points
Results
- In the year to Mar 2026, under Indian GAAP, gross written premium (total premium written) rose 9.8% to ₹11,294 crore and profit after tax rose 28% to ₹544 crore. The combined ratio (claims and costs over premium) was 110.7%, against 109.3%.141516
- In the quarter to Jun 2026, gross written premium fell 8.4% to ₹2,731 crore from ₹2,982 crore, while net earned premium (premium kept after reinsurance, counted as cover runs) rose 7.6% to ₹2,007 crore.17
- In the quarter to Jun 2026, profit after tax under Ind AS (Indian accounting standards) was ₹372 crore, against ₹325 crore; the company's own measure, excluding Ind AS effects except deferred acquisition costs (selling costs spread over the policy), was ₹190 crore, against ₹200 crore.1819
- The company says it is the first multi-line insurer to declare results under Ind AS; in the quarter to Jun 2026 its combined ratio on net earned premium with deferred acquisition costs was 107.2%, against 104.6%.2021
Market position
Loan book and deposits
- Share of gross written premium by line24Third-party cover pays for harm to others; own-damage cover pays for the owner's vehicle.
Item quarter to Jun 2026 quarter to Jun 2025 Motor third party 34.8% 31.1% Health, travel and personal accident 23.3% 21.3% Motor own damage 19.2% 18.1% Fire 13.6% 19.7% Others 9.2% 9.8% - Motor premium grew 0.4% in the quarter to Jun 2026, with new two-wheeler business up 26% and commercial vehicles down 27%.2526
- The company says premium fell in the quarter to Jun 2026 mainly because it decided not to renew group health and crop reinsurance from other insurers over pricing; fire premium fell 37%, against 27% to 28% for the industry, as rates fell about 40% to 45%.2728
- The loss ratio (claims over earned premium) rose to 73.3% in the quarter to Jun 2026 from 70.3%, mostly on private-car own-damage claims; the motor third-party loss ratio was 66.6%.2930
Branches and reach
Capital and investments
- Assets under management at book value rose 14.2% to ₹23,377 crore at the end of June 2026, from ₹20,468 crore a year earlier. The solvency ratio (available capital over the regulator's requirement) was 2.43 times, against a minimum of 1.50 times.34
- In the quarter to Jun 2026, 9.5% of assets under management was in equity, REITs and InvITs (listed property and infrastructure trusts).3536
What the company expects
- On its earnings call of 23 Jul 2026, the company said it expected the motor own-damage loss ratio to stabilise in the quarter to Sep 2026, after corrective actions begun in February; its documents give no outcome yet.37
- On its earnings call of 23 Jul 2026, the company said its solvency allows an Indian GAAP dividend, whether or not risk-based capital rules arrive, and the board would discuss it around its results for the quarter to Mar 2027.3839
- The company stated in its annual report for the year to Mar 2026 that it would seek a one-year Ind AS deferral for the year to Mar 2027 over unresolved income-tax effects, keeping Indian GAAP accounts if IRDAI agrees while disclosing Ind AS proforma figures.40
Recent events
- On 23 Oct 2026 CRISIL Ratings reaffirmed the company's corporate credit rating at AA- and moved its rating watch from developing to positive implications.41
- On 14 Oct 2026 Fairfax Financial Holdings said India's government had named its subsidiary the strategic buyer of a 60.72% stake in IDBI Bank, and that it proposes to contribute its interests in Digit to IDBI Bank. No binding agreements had been signed.424344
- On 28 Sep 2026 the company called a shareholders' meeting for 5 Nov 2026 on merging its holding company into it, under a scheme modified after an IRDAI advisory; its annual report said the scheme also needs the National Company Law Tribunal's sanction.4546
Litigation and regulatory matters
- On 25 Mar 2026 the company received an income-tax demand of ₹3,84,43,19,480, including interest of ₹1,00,38,89,700, for assessment year 2023-24, disallowing items including reserves for claims not yet reported; by its annual report of 14 Jul 2026, it had appealed.474849
- On 6 Mar 2026 the company received a Chennai South GST commissionerate order reaffirming a ₹1,54,80,63,840 demand and a ₹15,48,45,482 penalty over GST on co-insurance premium and reinsurance commission. It said it was weighing legal advice and would appeal; its documents give no outcome.5049
Last updated
All 50 sources, each with its page
- 1. Annual report, 14 Jul 2026, page 17
- 2. Annual report, 14 Jul 2026, page 18
- 3. Annual report, 14 Jul 2026, page 64
- 4. Annual report, 14 Jul 2026, page 105
- 5. Annual report, 14 Jul 2026, page 32
- 6. Annual report, 14 Jul 2026, page 63
- 7. Annual report, 14 Jul 2026, page 86
- 8. Annual report, 14 Jul 2026, page 65
- 9. Annual report, 14 Jul 2026, page 38
- 10. Annual report, 14 Jul 2026, page 54
- 11. Annual report, 14 Jul 2026, page 64
- 12. Annual report, 14 Jul 2026, page 29
- 13. Annual report, 14 Jul 2026, page 30
- 14. Annual report, 14 Jul 2026, page 21
- 15. Annual report, 14 Jul 2026, page 29
- 16. Annual report, 14 Jul 2026, page 16
- 17. Investor presentation, 23 Jul 2026, page 2
- 18. Earnings call, 23 Jul 2026, page 6
- 19. Investor presentation, 23 Jul 2026, page 2
- 20. Investor presentation, 23 Jul 2026, page 2
- 21. Investor presentation, 23 Jul 2026, page 2
- 22. Annual report, 14 Jul 2026, page 29
- 23. Earnings call, 23 Jul 2026, page 4
- 24. Investor presentation, 23 Jul 2026, page 10
- 25. Earnings call, 23 Jul 2026, page 7
- 26. Earnings call, 23 Jul 2026, page 6
- 27. Earnings call, 23 Jul 2026, page 6
- 28. Earnings call, 23 Jul 2026, page 7
- 29. Earnings call, 23 Jul 2026, page 8
- 30. Earnings call, 23 Jul 2026, page 10
- 31. Annual report, 14 Jul 2026, page 21
- 32. Annual report, 14 Jul 2026, page 63
- 33. Annual report, 14 Jul 2026, page 32
- 34. Investor presentation, 23 Jul 2026, page 3
- 35. Earnings call, 23 Jul 2026, page 5
- 36. Earnings call, 23 Jul 2026, page 10
- 37. Earnings call, 23 Jul 2026, page 8
- 38. Earnings call, 23 Jul 2026, page 17
- 39. Earnings call, 23 Jul 2026, page 18
- 40. Annual report, 14 Jul 2026, page 33
- 41. Exchange filing, 24 Oct 2026, page 1
- 42. Exchange filing, 15 Oct 2026, page 2
- 43. Exchange filing, 15 Oct 2026, page 3
- 44. Exchange filing, 15 Oct 2026, page 4
- 45. Exchange filing, 28 Sep 2026, page 1
- 46. Annual report, 14 Jul 2026, page 29
- 47. Exchange filing, 26 Mar 2026, page 1
- 48. Exchange filing, 26 Mar 2026, page 2
- 49. Annual report, 14 Jul 2026, page 106
- 50. Exchange filing, 7 Mar 2026, page 1
Results
Standalone; ₹ crore. Gross premium is what policyholders paid in the period, before the part passed on to reinsurers.Go Digit General Insurance quarterly results
- Gross premium growth, 12 monthsGross premium growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +8.3%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +6.6%
Quarter to Jun 2026, against the quarter before
- Gross premium
- ₹2,731 Cr
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹86 Crdown 42.18%
Gross premium by quarter
Peak gross premium ₹2,982 Cr, quarter to Jun 2025; lowest ₹2,369 Cr, quarter to Sep 2024
Net profit by quarter, a loss in red
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross premium | 2,369 | 2,677 | 2,576 | 2,982 | 2,667 | 2,909 | 2,736 | 2,731 |
| Net profit | 89 | 119 | 116 | 138 | 117 | 140 | 149 | 86 |
Standalone. The last eight quarters. The latest is shaded.
Year to Mar 2026, against the year before
- Gross premium
- ₹11,294 Cr
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹544 Crup 28.10%
Gross premium by year
Peak gross premium ₹11,294 Cr, year to Mar 2026; lowest ₹10,282 Cr, year to Mar 2025
Net profit by year, a loss in red
| ₹ crore | Mar 2025 | Mar 2026 |
|---|---|---|
| Gross premium | 10,282 | 11,294 |
| Net profit | 425 | 544 |
Standalone. Years to March. The latest is shaded.
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- MotorMotor, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹5,923 Crup 9.20%70.4%
- Health: groupHealth: group, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹1,317 Crdown 0.37%15.7%
- CropCrop, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹617 Crdown 5.35%7.3%
- Health: government schemesHealth: government schemes, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹190 Crdown 28.24%2.3%
- FireFire, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹115 Crdown 3.48%1.4%
- Retail, other than healthRetail, other than health, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹112 Crup 18.83%1.3%
- Health: retailHealth: retail, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹77 Cr0.9%
- Group and corporate, other than healthGroup and corporate, other than health, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹59 Crdown 36.40%0.7%
- MarineMarine, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹4 Cr0.0%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Dividend yield is not shown: no dividend in the years on record.Go Digit General Insurance PE ratio and valuation
Price to earnings
At or below today's level on 20% of 247 trading days over the last year.
LowestHighest
Its median54.30Industry median32.48
Price to book
At or below today's level on 8% of 535 trading days since Sep 2024.
LowestHighest
Its median7.10Industry median4.09
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +12.6% | +27.3% | −11.6% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Mutual fund holdings
39 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 6 of the 14 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.All 39 funds holding Go Digit General Insurance
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 2
- AddedAdded. Funds that held more shares than at the end of the month before.
- 9
- CutCut. Funds that held fewer shares than at the end of the month before.
- 5
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 22
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 40
| Fund | |||
|---|---|---|---|
 Mirae Asset Large & Midcap FundMirae Asset Mutual Fund | 1,63,90,773 | 1.00% | ₹426.2 Cr |
| Mirae Asset ELSS Tax Saver FundMirae Asset Mutual Fund | 1,23,22,228 | 1.30% | ₹320.4 Cr |
| Mirae Asset Midcap FundMirae Asset Mutual Fund | 95,25,856 | 1.27% | ₹247.7 Cr |
 Invesco India Small Cap FundInvesco Mutual Fund | 78,94,850 | 1.27% | ₹205.3 Cr |
 ICICI Prudential Value FundICICI Prudential Mutual Fund | 57,20,459 | 0.26% | ₹148.8 Cr |
 Aditya Birla Sun Life Flexi Cap FundAditya Birla Sun Life Mutual Fund | 55,01,000 | 0.51% | ₹143.1 Cr |
| ICICI Prudential Banking and Financial Services FundICICI Prudential Mutual Fund | 53,98,990 | 1.30% | ₹140.4 Cr |
 Nippon India Multi Cap FundNippon India Mutual Fund | 51,21,087 | 0.25% | ₹133.2 Cr |
| ICICI Prudential Small Cap FundICICI Prudential Mutual Fund | 46,09,784 | 1.22% | ₹119.9 Cr |
 SBI Large & Midcap FundSBI Mutual Fund | 39,15,565 | 0.25% | ₹101.8 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 29 Oct 2025.Go Digit General Insurance insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Promoters and promoter group: no market trade
- Others: no market trade · 14 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Go Digit General Insurance competitors and peers
Insurance, 13 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Go Digit General Insurance in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
 ICICI Life InsuranceICICILIFE | 59,791 | 33.98 | 4.09 | +15.2% | +34.0% | 12.9% | – | 0.40% |
 General Insurance Corporation of IndiaGICRE | 57,036 | 6.41 | 0.93 | +4.3% | +4.0% | 15.8% | – | 4.08% |
 Max Financial ServicesMFSL | 42,263 | – | 7.39 | +17.6% | – | – | 4.1% | 0.00% |
 Star Health and Allied Insurance CompanySTARHEALTH | 30,564 | 29.00 | 4.03 | – | +97.7% | 14.4% | – | 0.00% |
 The New India Assurance CompanyNIACL | 27,100 | 37.78 | 1.11 | +10.5% | −36.6% | 3.0% | – | 0.91% |
 Niva Bupa Health Insurance CompanyNIVABUPA | 13,462 | – | – | – | – | – | – | 0.00% |
 Canara HSBC Life Insurance CompanyCANHLIFE | 11,748 | 87.95 | 7.17 | – | – | 8.4% | – | 0.32% |
 Medi Assist Healthcare ServicesMEDIASSIST | 2,216 | 23.77 | 2.64 | +27.4% | −1.3% | 13.5% | 11.2% | 0.67% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Latest announcements
Routine notices left out.Go Digit General Insurance announcements
Oct 2026
24 Oct · Rating
Sep 2026
24 Sep · Rating
23 Sep · Business
10 Sep · Management
Go Digit General Insurance share price by year
Each calendar year to 2025.Go Digit General Insurance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 344.60 | +8.3% | 372.35 | 278.50 |
| 2024 | 318.05 | – | 398.40 | 297.20 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2024 is from its first session, 23 May 2024.
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 265.05 | 270.65 | 254.15 | 258.15 | 258.73 | 14,43,140 | 61.4% |
| 26 Oct 2026 | 264.65 | 271.10 | 263.05 | 267.00 | 267.35 | 2,49,453 | 51.3% |
| 23 Oct 2026 | 272.25 | 275.00 | 265.65 | 269.50 | 268.97 | 1,90,782 | 47.2% |
| 22 Oct 2026 | 280.10 | 281.15 | 269.50 | 271.60 | 273.40 | 1,73,336 | 33.9% |
| 21 Oct 2026 | 287.45 | 287.45 | 278.80 | 282.55 | 282.29 | 1,91,902 | 48.9% |
| 19 Oct 2026 | 285.00 | 293.60 | 282.90 | 287.45 | 285.62 | 2,93,171 | 56.0% |
| 16 Oct 2026 | 285.00 | 288.00 | 281.45 | 286.45 | 284.79 | 5,15,562 | 57.5% |
| 15 Oct 2026 | 285.00 | 289.40 | 280.55 | 283.35 | 284.20 | 5,22,488 | 49.8% |
| 14 Oct 2026 | 280.00 | 285.10 | 276.90 | 284.00 | 281.14 | 28,59,774 | 84.1% |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- GODIGIT
- BSE code
- 544179
- ISIN
- INE03JT01014
- Industry
- Insurance
- Website
- www.godigit.com
- CIN
- L66010PN2016PLC167410
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 2016
- Registered office
- 1 to 6 Floor, Ananta One, Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivajinagar, Pune 411005, Maharashtra
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments