Go Digit General Insurance Limited share price

Key numbers

Market cap

₹ 23,455 Cr

Current price

₹ 253.70

52-week high / low

₹ 374 / 232

Stock P/E

47.6

Book value

₹ 50.7

Dividend yield

0.00%

ROCE

14.2%

ROE

11.7%

Debt to equity

0.07

Sales growth (3 yrs)

20.8%

Profit growth (3 yrs)

148.3%

1-year return

-28.7%

About Go Digit General Insurance Limited

Go Digit General Insurance Limited provides various insurance products and services in India. It offers car, bike, and commercial vehicle insurance; health and property insurance; fire, marine cargo and hull, travel, miscellaneous, and business insurance; and workmen's compensation, public/product liability, engineering, aviation, personal accident, crop, and other insurance. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in June 2017. The company was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited operates as a subsidiary of Go Digit Infoworks Services Private Limited.

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-30)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• If we look at it from the exit of FY26, despite such a bad quarter, our increase in loss ratio from the exit of whole year is only about 0.4%.
• If this loss ratio had stayed where it is, it was last year, our overall loss ratio then would have been 71.4%, which is better than the exit of FY26.

Growth & demand

• The one number which I think is coming up, and this is where I want to explain is our motor market share is now 5.6%.
• And if we remove these, then our growth rate is about minus 2%, which is very similar to the GDPI.

Margins & costs

• At the same time, claims costs have climbed on own damage, parts, paint, labour, TP claims as they go up every year due to increase in rates and also increase in inflation.
• Every minimum wage revision increases the cost up.

Capex & expansion

• So this reduction of INR10 crores is actually coming in because we have higher allocation on the equity side, and that is what has led to the reduction in the investment income on the fixed income side.
• Now here, actually, if you look at, and I just want to again say this that on the basis in which we look at the KPI, which I said our profit has dropped by 10% -- sorry, by 5%, and I explained what really happened on the investment income.

Balance sheet & cash

• Based on where we are on IGAAP profitability, we can easily pay dividend because our solvency justifies it.
• So I would say sometime when we are in our fourth quarter results, whether RBC comes or not, as I said, we are in a position to pay dividend on IGAAP basis.