Go Digit General Insurance (GODIGIT) Q1 25/26 earnings summary

Executive summary

• Profit after tax for Q1 FY 2026 was ₹138 crore, up from ₹101 crore in Q1 FY 2025, with profit before tax at INR 161 crore and a tax rate of 13.9%.

• Gross Written Premium (GWP) for Q1 FY 2026 reached ₹2,982 crore, up 12.1% year-over-year.

• Assets under management grew to ₹20,861 crore as of June 30, 2025.

• Customer base expanded to 7.1 crore, with 0.32 crore policies sold in FY 2025-26.

• Unaudited financial results for the quarter ended June 30, 2025, were reviewed and approved by the Board on July 28, 2025.

Financial highlights

• Net earned premium for Q1 FY 2026 was ₹1,865 crore, compared to ₹1,824 crore in Q1 FY 2025.

• Combined ratio for Q1 FY 2026 stood at 108.6%, up from 105.4% in Q1 FY 2025.

• Solvency ratio improved to 2.27 as of June 30, 2025.

• Investment income yield (excluding capital loss) was 7.2% for Q1 FY 2026.

• Profit after tax for the quarter was ₹11,561 lakhs, compared to ₹10,134 lakhs in Q1 FY25.

Outlook and guidance

• Retention in corporate business expected to normalize in coming quarters as retail business increases.

• Forward-looking statements highlight potential impacts from regulatory changes, economic conditions, and market risks.

• Financial results for the quarter are not indicative of full-year performance due to industry seasonality.