Go Digit Insurance Live Share Price Today, Share Analysis and Chart

About the company - Business Profile

Go Digit General Insurance Ltd. is a digital-first non-life insurance provider in India. The company leverages a technology-driven platform to offer a range of insurance products including motor, health, travel, property, marine, and liability insurance. By utilizing a "digital full-stack" model, the company focuses on simplifying insurance processes through automated underwriting, digitally enabled claims settlement, and customizable coverage options. It holds a significant market position, particularly in the motor insurance segment, and operates through a network of distribution partners and self-service modules.

Key Points

• Key Facts: Founded in 2016 and headquartered in Pune, Maharashtra, Go Digit is promoted by Go Digit Infoworks Services Private Limited. The company received its IRDAI registration in September 2017 and is listed on the major Indian stock exchanges (NSE and BSE).
• Operations and Resources: As of March 31, 2025, the company managed Assets Under Management (AUM) of ₹19,703 crore, which grew to ₹21,345 crore by September 30, 2025. It operates primarily through a digitally-enabled model, having settled approximately 29.4 lakh claims since its inception.
• Ownership: The company is a subsidiary of Go Digit Infoworks Services Private Limited. Kamesh Goyal serves as the Chairman.
• Market Significance: Go Digit holds a 3.3% overall market share in the non-life insurance sector and a 5.9% market share in the motor insurance segment as of FY2025. It serves a broad customer base, having issued over 1.1 crore policies in FY2025 alone.
• Revenue Breakdown (FY2025):
  • Motor (Total): 57% of Gross Written Premium (GWP)
    • Motor Own Damage: 22%
    • Motor Third Party: 35%
  • Health, Travel & Personal Accident: 22%
  • Fire: 8%
  • Others (Marine, Engineering, Liability, etc.): 13%
• Geographical Concentration: The business is predominantly domestic, with ₹1,05,252 lakh of expenses related to Indian operations compared to ₹794 lakh outside India for FY2025.
• Financial Highlights (Annual - FY2025):
  • Gross Written Premium (GWP): ₹10,282 crore (compared to ₹9,016 crore in FY2024).
  • Profit After Tax (PAT): ₹425 crore (up from ₹182 crore in FY2024).
  • Solvency Ratio: 2.24x (Regulatory minimum is 1.50x).
  • Claims Ratio: 72.8%.
  • Combined Ratio: 109.3%.
• Technology and Innovation: The company employs Artificial Intelligence (AI) and Machine Learning (ML) for algorithm-driven strategic decisions and automated claims processing. For instance, 95.8% of motor claims were reported through digital channels in FY2025. The manual policy issuance rate is extremely low at 0.46%.
• Partnerships and Distribution: Go Digit has a partner network of 71,870 intermediaries as of March 2025. Notable related-party transactions include facility management and technology service charges with its parent company, Go Digit Infoworks Services.
• Employee Count: The company employed 4,534 personnel as of March 31, 2025, showing a steady increase from 3,970 in the previous year.
• Strategic Initiatives: Current focus areas include empowering distribution partners through customized integrations, enhancing self-service modules for policyholders, and leveraging its databank for better risk assessment. Future outlook involves maintaining a solvency ratio well above regulatory requirements (2.26x as of September 2025) while aiming for a lower combined ratio (111.4% in Q2 FY2026 vs 112.2% in Q2 FY2025).

References

1. Annual Report Apr 2025
2. Annual Report Jun 2024
3. Result Oct 2025
4. Investor Presentation Oct 2025
5. Investor Presentation Feb 2026
6. Earnings Call Jan 2026