Go Digit Q2 FY26 Results: Revenue and Profit Surge
Go Digit General Insurance Limited reported an impressive performance for the quarter ended September 30, 2025 (Q2 FY26), driven by robust growth in its core insurance segments and improved operational efficiency.
Financial Highlights and Revenue Table
The company's profit before tax (PBT) jumped by 53%, while the Profit After Tax (PAT) grew by 31% year-over-year. The Gross Written Premium (GWP), a key metric for revenue in the insurance sector, also saw healthy growth.
| Particulars | Q2 FY26 (₹ crore) | Q2 FY25 (₹ crore) | YoY Change |
| Gross Written Premium (GWP) | 2,667.00 | 2,369.00 | 12.60% |
| Operating Revenue (Net Premium) | 2,088.00 | 1,891.00 | ~10% |
| Total Income | 2,408.00 | 2,175.00 | ~11% |
| Profit Before Tax (PBT) | 136.00 | 89.00 | 53.00% |
| Profit After Tax (PAT) | 117.00 | 89.00 | 31.00% |
Note: Figures for Operating Revenue and Total Income are rounded based on available reports. GWP, PBT, and PAT figures are based on the company's official financial highlights.
Operational and Segment Performance
Premium Growth: The Gross Written Premium (GWP) for the quarter stood at ₹2,667.00 crore, a 12.60% increase from the ₹2,369.00 crore recorded in Q2 FY25.
Profitability: The Profit After Tax (PAT) reached ₹117.00 crore, marking a 31% rise from the ₹89.00 crore in the corresponding quarter last year. The higher-than-average increase in Profit Before Tax (PBT), which surged 53% to ₹136.00 crore, indicates strong underlying performance.
Operational Efficiency: The company's Combined Ratio improved to 111.40% in Q2 FY26, down from 112.20% in the year-ago period. A lower combined ratio signifies better operational efficiency and underwriting profitability.
Assets Under Management (AUM): AUM grew by 15.40% year-over-year to ₹21,345.00 crore as of September 30, 2025.
Solvency: The company maintained a strong solvency ratio of 2.26x, well above the regulatory requirement of 1.50x, demonstrating financial stability.
Segmental Contribution:
The Motor insurance segment remains the largest contributor, accounting for 61.50% of the total GWP.
The health, travel, and personal accident segment showed robust growth, increasing its share to 19.50% of GWP, up from 16.10% in Q2 FY25.
Board Appointments
Go Digit General Insurance also announced two key appointments to its Board of Directors, effective November 1, 2025 (subject to shareholder approval):
Mr. Giridhar Aramane has been appointed as a Non-Executive Independent Director.
Mr. Michael Wallace joins as a Non-Executive Director.