Go Digit FY26 results: profit rises to ₹544 crore

Audited FY26 results set the tone

Go Digit General Insurance has announced its audited financial results for the quarter and year ended March 31, 2026. For FY26, the company reported a net profit of ₹544.35 crore, compared with ₹424.94 crore in the previous fiscal year. The numbers point to a profitable year backed by higher premium volumes. Premium growth is a key marker for general insurers because it reflects both market reach and underwriting activity across products. The FY26 release also provides a clearer view of portfolio mix, with motor continuing to lead the book. Alongside the annual disclosure, market updates around quarterly earnings and broker expectations offer additional context on near-term trends.

FY26 profitability: higher year-on-year

For the year ended March 31, 2026, Go Digit’s net profit was ₹544.35 crore. In FY25, the comparable figure was ₹424.94 crore, implying a year-on-year increase in absolute profit. The company’s audited announcement framed the outcome as robust growth versus the prior year. Profitability matters in non-life insurance because it can be influenced by underwriting performance, claims trends, and investment income. While the FY26 audited snapshot gives the headline profit, the wider set of disclosures across quarters indicates that investment income can also affect results in specific periods.

Premium scale: GWP and net premium earned

Go Digit reported gross premium written (GWP) of ₹11,294.09 crore for FY26. Net premium earned (NPE) for the year stood at ₹8,414.34 crore. These figures underline the scale of the insurer’s underwriting activity during the year. Gross premium written captures premium collected before deductions, while net premium earned reflects premium recognized over the period, typically after reinsurance and accounting adjustments. The FY26 numbers, combined with prior-year disclosures, help investors track whether growth is coming through the top line and translating into earnings.

Motor remains the anchor of the portfolio

The company stated it continues to maintain a diversified portfolio across lines, but motor remains the dominant contributor. For FY26, the motor segment reported net premium earned of ₹5,923.08 crore. Other segments including health (retail, group, and government business) and crop insurance also contributed to overall premium income, though specific segment-level values were not provided for those lines in the FY26 note. Portfolio mix is closely watched because claims experience and pricing cycles differ sharply between motor, health, crop, and commercial risks.

How FY26 compares with FY25 and earlier disclosed history

Go Digit’s FY25 profit after tax, as reflected in the company’s profit and loss table (in ₹ crore), was ₹424.94 crore, up from ₹181.68 crore in FY24. Revenue from operations (gross) in that table was ₹8,045.96 crore for FY25, ₹7,096.40 crore for FY24, ₹5,163.67 crore for FY23, ₹3,404.23 crore for FY22, and ₹1,943.69 crore for FY21. The same table shows profit/loss for the period at ₹424.94 crore (FY25), ₹181.68 crore (FY24), ₹35.55 crore (FY23), -₹295.85 crore (FY22), and -₹122.76 crore (FY21). These time-series numbers provide context on how profitability has evolved across cycles, including years when results were negative.

Quarterly context: Q1 FY26 and Q4 FY25 datapoints

In Q1 FY26, Go Digit reported profit after tax of ₹138.3 crore, up from ₹101.3 crore in Q1 FY25. On a quarter-on-quarter basis, that Q1 FY26 profit was compared with ₹115.6 crore in Q4 FY25. For Q1 FY26, the company reported gross written premium of ₹2,982 crore, net premium written of ₹1,950.6 crore, and net premium earned of ₹1,865 crore. Total income in Q1 FY26 was ₹2,179.5 crore, compared with ₹2,076.9 crore a year earlier, and ₹2,855.2 crore in Q4 FY25.

Separately, for Q4 FY25, multiple disclosures in the provided material indicate net profit of about ₹115.6 crore to ₹116 crore, versus about ₹52.6 crore to ₹53 crore in the year-ago quarter. For Q4 FY25, gross written premium was cited at ₹2,576.3 crore to ₹2,576.38 crore. The same set of updates also cited investment income of ₹284.06 crore for Q4 FY25, expenses of ₹2,426.12 crore, and claims paid of ₹1,353.6 crore (up from ₹1,075.6 crore in the comparable period).

Stock move and brokerage expectations before a December-quarter result

In market trade ahead of its December-quarter earnings scheduled later in the day, shares of Go Digit General Insurance rose over 2% to a high of ₹327.80 on the NSE. At 1045 IST, the stock was at ₹323.75, up 1%.

Emkay Global Financial Services said net profit for the reporting quarter was expected at ₹131 crore, up nearly 11% year-on-year, with a sequential increase of nearly 13%. Emkay also projected gross written premium of ₹3,019 crore, up nearly 13% on year, and net earned premium of ₹2,144 crore, up nearly 3% year-on-year. The note also referred to the September quarter, when net profit was ₹117 crore and gross premium income was ₹2,677 crore, and added that shares were down 9% since Oct. 28, when the September-quarter earnings were detailed.

Underwriting and balance-sheet indicators cited for FY25

A separate FY25-focused discussion in the provided material cited combined ratio (CR) of 110.8% for FY25, improving from 112.2% a year before, on a net premium earned basis that considers reinsurance commissions. It also cited a FY25 loss ratio of 72.8% and a Q4 loss ratio of 76.5%. The expense ratio referenced was 36.5% for FY25.

The same discussion cited net worth of ₹1,973 crore as of end-March 2025, up 25% year-on-year, and a solvency ratio of 2.24 times as of March 31, which was described as well above the minimum requirement.

Key numbers at a glance (all amounts in ₹ crore)

Market impact: what the disclosed numbers change for investors

The FY26 audited profit and premium scale strengthen the company’s reported trajectory of profitability, following FY25’s reported profit of ₹424.94 crore. For investors, the FY26 GWP and NPE figures help benchmark growth against quarterly disclosures such as Q1 FY26 GWP of ₹2,982 crore and NPE of ₹1,865 crore. The motor segment’s FY26 NPE of ₹5,923.08 crore highlights concentration in a line that can be sensitive to pricing and claims trends.

In the near term, trading moves around earnings releases show that expectations on investment income and premium growth can influence sentiment. Brokerage estimates cited in the material point to how the Street models quarterly profit and premium progression, using metrics like gross written premium and net earned premium.

Conclusion

Go Digit’s audited FY26 results show net profit rising to ₹544.35 crore, alongside GWP of ₹11,294.09 crore and net premium earned of ₹8,414.34 crore. Motor remained the largest contributor with net premium earned of ₹5,923.08 crore. With quarterly disclosures and broker estimates focusing on premium momentum and investment income, the next set of scheduled earnings updates will remain an important checkpoint for how growth and profitability are tracking.