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Go Digit General Insurance Limited (GODIGIT) · mywealthgrid

Go Digit General Insurance Limited

NSE:GODIGIT BSE:GODIGIT

FinancialsInsurance

₹256.3

-1.44%1 Oct close

Mkt cap

₹23,697 Cr

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About

Go Digit General Insurance operates in the general insurance sector with a market cap of ₹24,007 Cr. Revenue has held steady at ₹2–3 Cr per quarter. The company is 73% promoter-owned with public float below 4%.

Face value: ₹10

Market cap

₹23,697 Cr

P/E

48.1×

P/B

5.1×

Dividend yield

ROE

12.1%

ROCE

—

Debt / equity

—

OPM

—

EPS (TTM)

₹5.3

Book value

₹50.2

52-week high

—

52-week low

—

Key insights

Company research notes and source-linked reviews

Key risks

Profit margin compression: net margin fell from 6.3% (Jun 2025) to 3.66% (Jun 2026), with latest quarterly profit ₹86.39 Cr down 38% YoY.

High valuation relative to deteriorating earnings: PE of 48.75 against EPS that declined from ₹1.61 (Mar 2026) to ₹0.93 (Jun 2026).

Very low public float (3.76%) and 73% promoter concentration limits liquidity.

Quarterly profit volatility (₹86–149 Cr range) suggests exposure to underwriting or claims variance—verify combined ratio and reserving adequacy.

Generated analysis · source review pending

Growth drivers

Quarterly revenue stabilised around ₹2.2–3.1 Cr over six quarters; verify whether this baseline can expand through market growth or new products in Indian general insurance.

ROE of 12.09% shows capital deployment; verify whether sustainable profit recovery could drive re-rating if margins return toward 5–6% levels.

Stock traded as high as ₹372.35 in the 52-week range versus current ₹259.65; verify what fundamentals supported prior levels and whether conditions may return.

Generated analysis · source review pending

582 historical price candles were omitted because the exchange source has not been verified.

₹256.3+1.2%1Y

Quick read

rule-based

Pros

+High promoter holding of 73% with no pledge

Cons

−Low return on equity of 10.9% (3-yr avg)

Research score

Structured signal from quality, growth, valuation and momentum.

28/100

Business quality: 28
Growth: 22
Valuation: 32

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Icici Lombard General Insurance Company LimitedICICIGIICICIGI	₹78,041 Cr	—	₹26,625 Cr	₹0 Cr	—	₹2,428 Cr	10.7%	—	17.8%	—
General Insurance Corporation Of IndiaGICREGICRE	₹56,825 Cr	—	₹49,141 Cr	₹0 Cr	—	₹8,901 Cr	19.6%	—	17.9%	—
Star Health And Allied Insurance Company LimitedSTARHEALTHSTARHEALTH	₹31,649 Cr	—	₹17,371 Cr	₹0 Cr	—	₹557 Cr	3.2%	—	7.6%	—
The New India Assurance Company LimitedNIACLNIACL	₹26,403 Cr	—	₹46,909 Cr	₹0 Cr	—	₹717 Cr	2.9%	—	5.7%	—
Go Digit General Insurance LimitedGODIGITGODIGIT	₹23,697 Cr	—	₹10,377 Cr	₹0 Cr	—	₹492 Cr	5.3%	—	12.1%	—
Niva Bupa Health Insurance Company LimitedNIVABUPANIVABUPA	₹13,485 Cr	—	₹6,474 Cr	₹0 Cr	—	₹131 Cr	2%	—	3.4%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore

₹ Cr	Mar 2025	Mar 2026
	9,480	10,197
Operating expenses	—	—
Operating profit (EBITDA)	—	—
OPM %	—	—
Depreciation	—	—
Interest	—	—
Other income	—	—
Profit before tax	425	632
Tax	0	87
Tax %	0%	13.8%
	425	544
PAT margin %	4.5%	5.3%
EPS (₹)	4.6	5.9
EPS adjusted (₹)	4.6	5.9
Annual report	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2025	Mar 2026
Equity capital	923	925
Reserves	3,441	3,716
Borrowings	—	—
Other liabilities	300	395
Total equity & liabilities	4,664	5,036
Fixed assets	162	157
CWIP	—	—
Investments	19,464	22,703
Other assets	—	—
Total assets	4,664	5,036

₹ Cr	Mar 2024	Mar 2025	Mar 2026
	1,720	1,604	2,026
	-1,986	-2,837	-2,019
Cash from financing	342	1,092	-28
Net cash flow	77	-141	-22
Free cash flow	1,704	1,586	2,008
CFO / Operating profit %	—	—	—

Compounded sales growth

7 years: —
5 years: —
3 years: —
1 year: 8%

Compounded profit growth

7 years: —
5 years: —
3 years: —
1 year: 28%

Return on equity

7 years: —
5 years: —
3 years: —
Last year: 12%

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2025	Mar 2026
Margins
Gross margin %	—	—
EBITDA margin %	—	—
EBIT margin %	—	—
PAT margin %	4.5%	5.3%
Working capital
Receivable days	—	—
Inventory days	—	—
Payable days	—	—
NWC days	—	—
Leverage
Current ratio	—	—
Debt to EBITDA	—	—
Debt to equity	—	—
Interest coverage	—	—
Asset turnover	2.03	2.02
Return ratios
Return on assets %	9.1%	10.8%
Return on capital employed %	—	—
Return on equity %	9.7%	11.7%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.58%	73.58%	73.28%	73.18%	73.12%	73.1%	73.09%	73.03%	73.01%	73%
	4.31%	5.1%	5.52%	6.47%	7.85%	8.28%	8.47%	8.26%	8.01%	8.23%
	14.78%	16.22%	15.58%	15.18%	15.27%	14.39%	14.13%	14.34%	14.63%	15.01%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	7.33%	5.1%	5.62%	5.17%	3.76%	4.23%	4.31%	4.37%	4.35%	3.76%
No. of shareholders	—	—	—	—	—	—	65,851	61,261	59,152	60,707

Promoter holding down 0.58 percentage points since Mar 2024.

11 deals · 23 Jan 2025 – 29 Jul 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
29 Jul 2026	ICICI PRUDENTIAL MUTUAL FUND	Block	NSE	Buy	57,21,378	₹243.00	₹139.03 Cr
29 Jul 2026	PEAK XV PARTNERS GROWTH INVESTMENTS III	Bulk	NSE	Sell	57,21,378	₹243.00	₹139.03 Cr
29 Jul 2026	ICICI PRUDENTIAL MUTUAL FUND	Bulk	NSE	Buy	57,21,378	₹243.00	₹139.03 Cr
29 Jul 2026	PEAK XV PARTNERS GROWTH INVESTMENTS III	Block	NSE	Sell	57,21,378	₹243.00	₹139.03 Cr
4 Jun 2026	PEAK XV PARTNERS GROWTH INVESTMENTS III	Block	NSE	Sell	33,33,500	₹300.00	₹100.01 Cr
4 Jun 2026	ADITYA BIRLA SUNLIFE MUTUAL FUND	Block	NSE	Buy	21,66,667	₹300.00	₹65.00 Cr
4 Jun 2026	JPMORGAN (TAIWAN) EASTERN TECHNOLOGY FUND	Block	NSE	Buy	11,66,833	₹300.00	₹35.00 Cr
5 Sept 2025	AIRAVAT CAPITAL TRUST II	Block	NSE	Buy	4,26,368	₹355.00	₹15.14 Cr
5 Sept 2025	AIRAVAT CAPITAL TRUST	Block	NSE	Sell	4,26,368	₹355.00	₹15.14 Cr
23 Jan 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	50,87,822	₹316.84	₹161.20 Cr

1–10 of 11

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Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Mr. KAMESH GOYALNon-Executive - Non Independent Director-Chairperson related to Promoter
Ms. JASLEEN KOHLIExecutive Director-CEO-MD
Ms. VANDANA GUPTANon-Executive - Independent Director
Mr. CHRISTOF MASCHERNon-Executive - Independent Director
Mr. MAHENDER KUMAR GARGNon-Executive - Independent Director
Mr. GOPALAKRISHNAN SOUNDARAJANNon-Executive - Non Independent Director
Mr. MUKUL KANT GUPTANon-Executive - Independent Director
Mr. GIRIDHAR ARAMANENon-Executive - Independent Director
Mr. MICHAEL ANTHONY WALLACENon-Executive - Non Independent Director
Tejas SarafCompany Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 11 fund houses

Held by these funds

3.21%

of the company's equity

All mutual funds

8.86%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

35 schemes · 11 fund houses

		Shares
Value Fund	ICICI Prudential Mutual Fund	51.37 L	132.23	0.22%	0.556%	-0
Banking & Financial Services Fund	ICICI Prudential Mutual Fund	50.5 L	130	1.15%	0.546%	+1.4 L
Small Cap FundNEW	ICICI Prudential Mutual Fund	45.1 L	116.08	1.18%	0.488%	—
Large and Midcap FundNEW	SBI Mutual Fund	38 L	97.81	0.23%	0.411%	—
Innovative Opportunities Fund	SBI Mutual Fund	30.29 L	77.97	1.42%	0.328%	-0
Flexi Cap Fund	Bajaj Finserv Mutual Fund	23.46 L	60.38	0.7%	0.254%	-0
Business Cycle Fund	ICICI Prudential Mutual Fund	17.45 L	44.92	0.28%	0.189%	-0
Services Opportunities Fund	Axis Mutual Fund	12.52 L	32.22	2.17%	0.135%	-0

1–8 of 35

1 / 5

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Offer and rights documents

ProspectusListing · 21 May 2024

Credit ratings

Investor Presentation and earnings call

Jul 2026Transcript AI Summary PPT REC
Apr 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

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Events

Upcoming dates and the company’s corporate-action history.

1

Board meeting to consider results23 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

33 announcementsExport CSV

30 Sept 2026, 7:20 pmCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

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Ratio	Mar 2025	Mar 2026
Margins
Gross margin %	—	—
EBITDA margin %	—	—
EBIT margin %	—	—
PAT margin %	4.5%	5.3%
Working capital
Receivable days	—	—
Inventory days	—	—
Payable days	—	—
NWC days	—	—
Leverage
Current ratio	—	—
Debt to EBITDA	—	—
Debt to equity	—	—
Interest coverage	—	—
Asset turnover	2.03	2.02
Return ratios
Return on assets %	9.1%	10.8%
Return on capital employed %	—	—
Return on equity %	9.7%	11.7%

Date	Category	Subject	Filing
30 Sept 2026, 7:20 pm	Company Update Newspaper Publication	Announcement under Regulation 30 (LODR)-Newspaper Publication	PDF
29 Sept 2026, 8:23 pm	Company Update Newspaper Publication	Announcement under Regulation 30 (LODR)-Newspaper Publication	PDF
28 Sept 2026, 11:16 pm	Company Update General	Intimation Regarding The Notice Convening Meeting Of Equity Shareholders Of The Company In Accordance With The Order Of Hon''ble NCLT, Mumbai Bench	PDF
28 Sept 2026, 11:13 pm	AGM/EGM Court Convened Meeting	Intimation Regarding The Notice Convening Meeting Of Equity Shareholders Of The Company In Accordance With The Order Of Hon''ble NCLT, Mumbai Bench	PDF
10 Sept 2026, 7:41 pm	Company Update Resignation of Director	Announcement under Regulation 30 (LODR)-Resignation of Director	PDF
1 Sept 2026, 8:33 pm	Company Update Scheme of Arrangement	Announcement under Regulation 30 (LODR)-Scheme of Arrangement	PDF
21 Aug 2026, 4:33 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation	PDF
20 Aug 2026, 4:30 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report	PDF

Go Digit General Insurance Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Offer and rights documents

Credit ratings

Investor Presentation and earnings call

Events

Board meetings1

Announcements

Board meetings1

Ratio timeline

Quarterly record

Bulk & block deals

Board and management

Not in the F&O segment

Announcements

Annual reports

Offer and rights documents

Credit ratings

Investor Presentation and earnings call

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

1

1