GODIGIT · NSE · General Insurance
Go Digit General Insurance Ltd
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Small Cap · AMFI list Jan-Jun 2026 · Vendor sector: Insurance
No valuation view.No view: a loss-maker (growth stage), so earnings multiples do not apply.
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model
What is Go Digit General Insurance's share price today?
Go Digit General Insurance last traded at ₹279.40 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 2.4% on the day, down 24.1% over a year. Its 52-week range is ₹232 to ₹374. The live price is in the app.
₹279.40
+2.4% today
−24.1% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
29 month-end closes, 31 May 2024 to 30 Sep 2026, adjusted for splits and bonuses
52-week range34% of the way up
Low ₹232High ₹374
What is Go Digit General Insurance's market cap?
Go Digit General Insurance's market capitalisation is about ₹25,243 crore: what it would cost to buy every share at today's price. That makes it the 67th largest small cap company we cover.
₹25,243 Cr
Small Cap67th largest small cap company
Share price₹279.40
×
Shares in issue90 crore
=
Market cap₹25,243 Cr
Small Cap means the companies ranked 251 and below by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: GODIGIT
- ISIN
- INE03JT01014
- Cap bucket
- Small Cap, 67th largest by market cap
- Industry (NSE)
- Financial Services › Insurance › General Insurance
- Listed since
- 2024
- Futures and options
- Not traded
Is Go Digit General Insurance overvalued?
No valuation view yet. No view: a loss-maker (growth stage), so earnings multiples do not apply.
Valuation
Latest price and trailing 12 months
P/E
51.19
Industry 14.32
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
6.46
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹25,243 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
Not available
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
0.36
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is Go Digit General Insurance a quality business?
CLEAN on 10 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
Not available
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
CLEAN
10 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: consolidated accounts, FY2026 (Mar-26) against FY2025; Tickertape; ROA over average total assets; ROE over average equity (equity from Tickertape); not a lender: no NIM, asset quality, credit cost or loan growth
Net interest margin
Not available
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
Not available
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
Not available
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
Not available
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
Not available
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
Not available
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
2.4%
vs peers 1.2% · 3rd of 6
Profit as a share of average total assets. Learn more →
CET1 ratio
Not available
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
Not available
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
Not available
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has Go Digit General Insurance made money for shareholders?
Not over these periods: −24.1% over one year.
Shareholder returns
5-year return
Not available
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
Not available
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
+6.6%1M
+8.5%3M
−10.0%6M
−14.5%1Y
−24.1%3Y
—5Y
—— not available
Is Go Digit General Insurance growing?
Revenue 3 years 21.2% a year; eps 3 years 143.1% a year; revenue 5 years 22.7% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
Not available
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
Not available
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
21.2% a year
vs peers 11.7% · 2nd of 9
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
143.1% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
22.7% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
Not available
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did Go Digit General Insurance do last quarter?
Go Digit General Insurance reported income of ₹2,428 Cr, up 6.8% on a year earlier and a net profit of ₹86 Cr, up 28.1% in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹2,428 Cr
+6.8% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹86 Cr
+28.1% on a year earlier
What was left for shareholders after every cost and tax.
How does Go Digit General Insurance compare with its peers?
Compared with 8 Insurance (the industry, as the basic industry was too small); the ranks are in the app.
Compared with 8 Insurance (the industry, as the basic industry was too small)
8 companies
- Go Digit General Insurance Ltd (this page)
- ICICI Lombard General Insurance Company Ltd
- ICICI Prudential Life Insurance Company Ltd
- General Insurance Corporation of India
- Max Financial Services Ltd
- Star Health & Allied Insurance Company Ltd
- New India Assurance Company Ltd
- Niva Bupa Health Insurance Company Ltd
- Canara HSBC Life Insurance Company Ltd
Go Digit General Insurance against its peers
Largest 8 of 8 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Go Digit General Insurance Ltd₹25,243 Cr51.26.511.8%−24.1%
New India Assurance Company Ltd₹26,736 Cr34.70.76.1%−15.1%
Niva Bupa Health Insurance Company Ltd₹14,359 Cr81.73.43.0%+0.6%
Canara HSBC Life Insurance Company Ltd₹13,226 Cr98.78.38.1%+24.9%
Peer median————−11.4%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns Go Digit General Insurance?
Go Digit General Insurance is held by promoters 73.0%, foreign institutions 8.2%, domestic institutions 15.0%.
Shareholding pattern
Latest filing, percent of shares
Promoters73.0%
The founders and controlling group.
Foreign institutions8.2%
Overseas funds investing through the FPI route.
Domestic institutions15.0%
Indian insurers, banks, pension and mutual funds together.
Mutual funds8.9%
Indian mutual fund schemes; part of domestic institutions.
Retail and others1.3%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What do analysts say about Go Digit General Insurance?
9 analysts cover Go Digit General Insurance, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
Analyst consensus
9 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.
What does Go Digit General Insurance do and what is it sensitive to?
Go Digit General Insurance Limited is a non-life insurer that sells motor, health, travel, property and other general insurance products to individuals and to businesses. Sensitive to: climate change and weather-driven claims.
Business-model card
FY2025 · 43 verified
5Revenue
4Channels
2Regulators
7Reg. dependencies
5Sensitivities
3Costs
3Geographies
Go Digit General Insurance Limited is a non-life insurer that sells motor, health, travel, property and other general insurance products to individuals and to businesses. It distributes largely through partners such as brokers, web aggregators and agents, and earns premium income (GWP of ₹10,282 crore in FY24-25).
Revenue by segment
year ended March 31, 2025 (standalone segment table; Gross Direct Premium column, the first column under 'Segment Revenue')
Fire5.7%
Marine Cargo0.6%
Miscellaneous - Motor69.2%
Miscellaneous - Workmen's Compensation0.9%
Miscellaneous - Public / Product Liability0.0%
Miscellaneous - Engineering1.5%
Miscellaneous - Aviation0.3%
Miscellaneous - Personal Accident4.9%
Miscellaneous - Health Insurance13.9%
Miscellaneous - Travel0.4%
Miscellaneous - Others2.6%
Revenue engine
5 verified
Motor – Third Party (share of GWP) (35.0%)
Third-party motor is the largest line by share of gross written premium in the GWP mix. Interpretation: the excerpt does not define the cover further.
Motor – Own Damage (share of GWP) (22.0%)
Own-damage motor is the second motor line by share of GWP mix, at 22% in FY25. Interpretation: it is motor cover for damage to the insured's own vehicle.
Health, Travel & Personal Accident (share of GWP) (22.0%)
This grouped line is 22% of GWP in FY25 and grew 30% that year, per the GWP mix table.
2 more statements
Others (share of GWP)
The 'Others' line is 13% of GWP in FY25 and grew 34% that year, per the GWP mix table.
Fire (share of GWP)
Fire is 8% of GWP in FY25 and grew 2% that year, per the GWP mix table.
Customers & channels
4 verified
Distribution partners (brokers, corporate agents, web aggregators, agents and others)
Partners are the channel through which the company reaches its customers. Interpretation: this partner model makes distribution cost and partner relationships central to the business.
Partner network size
The company says it has a network of 71,870 partners, which it enables with APIs, portals and self-service tools.
Individuals and businesses
Individuals buy motor, health, travel and property cover. Businesses buy products such as commercial vehicle, marine cargo, crop, aviation and workmen compensation insurance.
1 more statement
Customers served
The company reports serving a large retail customer base, which makes it a volume-driven business.
Regulators
2 verified
Insurance Regulatory and Development Authority of India (IRDAI)
IRDAI issues the rules, regulations and circulars that apply to a general insurance company, which governs the company's products, pricing and capital.
Insurance Act, 1938
The Act is listed as a law specifically applicable to the company, and it governs the business of insurance.
Regulatory dependencies
7 verified
Revenue recognition for multi-year non-motor premium
Interpretation: under this IRDAI notification, premium on long-term non-motor policies sold on or after October 01, 2024 is recognised over the policy period, not up front. A change in this rule would shift when the company books revenue.
Solatium fund contribution on motor third-party premium
The company provides for a contribution to the solatium fund at a fixed percentage of motor third-party premium. Interpretation: a higher rate would add to the cost of motor third-party business.
Terrorism pool reinsurance programme
The company participates in a terrorism pool excess-of-loss reinsurance protection programme. Interpretation: this shifts large terrorism losses to the pool, so changes to the programme affect net retained risk.
4 more statements
Investment limits under IRDAI Regulations
The investment portfolio is diversified within limits set under the IRDAI Regulations. Interpretation: tighter investment limits would constrain how the company deploys its float.
Solvency ratio
The company reports a solvency ratio of 2.24X against regulatory norms. Interpretation: this is the capital cushion that limits how fast it can grow premium.
Excess operating expense limit (EOM)
Operating expenses related to insurance business above allowable limits are charged to shareholders' funds. Interpretation: a lower allowable limit would move expense from the policyholder account to shareholders' results.
Commission as acquisition cost
Acquisition costs such as commission are expensed when incurred. Interpretation: changes in commission rules directly move the expense line.
Sensitivities
5 verified
Climate change and weather-driven claims
Direction: when climate risk rises, claim frequency and severity can rise, potentially exceeding expectations, and multiple lines can be affected by adverse weather.
Flood and NAT-CAT losses
Interpretation: the company models damage from riverine, flash and urban floods, so a higher flood frequency would raise property claims.
Reinsurer default
Direction: if a reinsurer fails to pay on ceded claims, the company bears the loss itself. Mitigation is a minimum reinsurer credit rating.
2 more statements
Liquidity and cash flow
Direction: the company monitors liquidity so that cash flows can meet claims and operating expenses. A cash shortfall would constrain claim payments.
Foreign exchange outgo
Interpretation: outgo (₹185.6 crore) exceeded earnings (₹91.5 crore) in the year, so a weaker rupee would raise the net foreign-currency cost.
Cost inputs
3 verified
Business development and sales promotion expenses
This is the largest expense line in Schedule 4 (₹ lakhs), covering sales and promotion spend tied to distribution. Interpretation: it is a major driver of operating cost.
Employees' remuneration and welfare benefits
Employee cost is a major line in Schedule 4 (₹ lakhs), with the motor, health and other classes each carrying a share of it.
Commission to intermediaries
Commission is an acquisition cost tied to new and renewal contracts, expensed as incurred. The excerpt names commission but does not state its amount.
Geographies
3 verified
India (all business)
The company says all business is written in India, so there are no reportable geographical segments.
National reach (28 states)
The company operates offices across 28 states, with no international locations.
Exports (0.0%)
The company reports no export activity, so none of its turnover comes from outside India.
Each statement is checked word for word against the FY2025 annual report; the passages are in the app.
What changed recently?
Q1 FY2027 results filed (23 Jul 2026).
Change log
6 entries · newest first
- Results filedQ1 FY2027 results filed.
- Results filedQ4 FY2026 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Results filedQ1 FY2026 results filed.
- Results filedQ4 FY2025 results filed.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored; P/E vs own history: 0 of 36 months of P/E history.
- FlagsCLEAN on 10 of 22 lender flags judged; no red flag; 12 could not be judged.
- Data gapsDividend yield, PEG (vendor), Business quality, Quality score, Net interest margin, Gross NPA and 13 more: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓6 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓29 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2025 · 43 verified
Questions people ask
What is Go Digit General Insurance's share price today?
Go Digit General Insurance last traded at ₹279.40 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 2.4% on the day, down 24.1% over a year. Its 52-week range is ₹232 to ₹374. The live price is in the app.
What is Go Digit General Insurance's market cap?
Go Digit General Insurance's market capitalisation is about ₹25,243 crore: what it would cost to buy every share at today's price. That makes it the 67th largest small cap company we cover.
Is Go Digit General Insurance Ltd a large cap, mid cap or small cap?
Go Digit General Insurance Ltd (GODIGIT) is a small cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is Go Digit General Insurance Ltd's P/E ratio?
51.19, Industry 14.32. Price divided by last year's earnings per share: how many years of today's profit you pay for.
How does Go Digit General Insurance Ltd make money?
Go Digit General Insurance Limited is a non-life insurer that sells motor, health, travel, property and other general insurance products to individuals and to businesses. It distributes largely through partners such as brokers, web aggregators and agents, and earns premium income (GWP of ₹10,282 crore in FY24-25).
Why is there no Altman Z or debt to equity for Go Digit General Insurance?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are Go Digit General Insurance Ltd's peers?
Compared with 8 Insurance (the industry, as the basic industry was too small): ICICI Lombard General Insurance Company Ltd, ICICI Prudential Life Insurance Company Ltd, General Insurance Corporation of India, Max Financial Services Ltd, Star Health & Allied Insurance Company Ltd and 3 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did Go Digit General Insurance do last quarter?
Go Digit General Insurance reported income of ₹2,428 Cr, up 6.8% on a year earlier and a net profit of ₹86 Cr, up 28.1% in the Jun 2026 quarter.
Who owns Go Digit General Insurance?
Go Digit General Insurance is held by promoters 73.0%, foreign institutions 8.2%, domestic institutions 15.0%.
What do analysts say about Go Digit General Insurance?
9 analysts cover Go Digit General Insurance, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.