Go Digit Shares Q4FY26 Earnings Call Recording and Management Guidance Updates

Go Digit General Insurance Limited has made available the audio recording of its Q4 and FY2026 earnings conference call following the successful completion of the event on April 28, 2026. The company had previously revised the timing of this earnings call and has now provided post-call access to investors and stakeholders.

Earnings Call Completion and Recording Availability

The earnings call for the quarter and financial year ended March 31, 2026, was successfully conducted on Tuesday, April 28, 2026, at the revised timing of 6:00 PM IST. The company has now hosted the complete audio recording on its official website for broader investor access.

Parameter: Details Call Date: Tuesday, April 28, 2026 Final Time: 6:00 PM IST Original Time: 6:30 PM IST Host: ICICI Securities Recording Status: Available Online

Management Guidance and Strategic Targets

During the earnings call, Go Digit General Insurance management provided insights into their strategic direction and business targets. The management explicitly stated they do not provide formal guidance, explaining that their experience shows market dynamics make such projections unreliable. However, management expressed strong optimism for industry growth over the next two years, driven by new international norms and standardization.

Key Strategic Targets Discussed

Strategic Area: Target/Status Equity Asset Allocation: Aim for 10%, comfortable up to 12.5% Leverage Target: 5% achieved (previously expected over 2 years) New Commercial Lines: Potential INR 1,000 crore premium over 3-5 years Solvency Position: Strong, supporting higher equity allocation Industry Outlook: Strong optimism for next two years

The company highlighted that they aim for equity asset allocation to reach 10% and could comfortably increase it to 12.5% given their strong solvency position. Management noted that their previously expected leverage target of about 5% over the next two years has now been achieved.

Recording Access Information

Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, Go Digit General Insurance has informed stock exchanges about the availability of the earnings call recording. The audio recording can be accessed through the company's investor relations section.

Recording Location: The complete audio recording is hosted at: godigit.com/content/dam/godigit/general/investor-relations/investor-call-recordings/earnings-call-audio-recording-q4-fy-2025-26.mp3

Previous Conference Call Details

The earnings call had featured multiple access options for participants during the live session. ICICI Securities hosted the Q4 and FY2026 results conference call with universal access numbers and dedicated toll-free lines for international participants.

Original Access Information

Universal Access Numbers:

+91 22 6280 1144

+91 22 7115 8045

International Toll-Free Numbers:

Country: Toll-Free Number Singapore: 8001012045 Hong Kong: 800964448 UK: 08081011573 USA: 18667462133

Regulatory Compliance and Documentation

The company has maintained full regulatory compliance throughout the earnings call process. The timing revision was initially communicated to both BSE Limited and National Stock Exchange of India Limited, and the subsequent recording availability has been formally notified to the exchanges.

Tejas Saraf, Company Secretary & Compliance Officer, digitally signed the regulatory filing on April 28, 2026, confirming the recording's availability on the company website. The communication emphasizes the company's commitment to transparency and investor access to financial information.

Go Digit General Insurance has announced strong financial performance for Q4FY26 and FY26, with the company's Board meeting held on April 28, 2026, approving audited financial results. The insurer demonstrated robust growth across key metrics while making strategic appointments to strengthen its leadership team.

Outstanding Q4FY26 Performance

The company delivered exceptional quarterly results with profit before tax under IGAAP jumping 49.1% to ₹173 crore in Q4FY26 compared to ₹116 crore in Q4FY25. Profit after tax increased 28.4% to ₹149 crore from ₹116 crore in the previous year quarter.

Q4 Performance Metrics: Q4FY25 Q4FY26 Growth (%) Gross Direct Premium: ₹1,981 crore ₹2,402 crore +21.3% Gross Written Premium: ₹2,576 crore ₹2,736 crore +6.2% Net Earned Premium: ₹2,247 crore ₹2,301 crore +2.4% Profit Before Tax (IGAAP): ₹116 crore ₹173 crore +49.1% Profit After Tax (IGAAP): ₹116 crore ₹149 crore +28.4%

Strong FY26 Annual Results

For the full financial year, Go Digit maintained its growth trajectory with profit before tax under IGAAP increasing 48.7% to ₹632 crore from ₹425 crore in FY25. The company's gross written premium grew 9.8% to ₹11,294 crore, while gross direct premium expanded 16.2% to ₹9,846 crore.

FY26 Financial Highlights: FY25 FY26 Growth (%) Gross Direct Premium: ₹8,472 crore ₹9,846 crore +16.2% Gross Written Premium: ₹10,282 crore ₹11,294 crore +9.8% Net Earned Premium: ₹8,046 crore ₹8,414 crore +4.6% Profit Before Tax (IGAAP): ₹425 crore ₹632 crore +48.7% Profit After Tax (IGAAP): ₹425 crore ₹544 crore +28.0% Net Worth (IGAAP): ₹4,033 crore ₹4,586 crore +13.7%

Operational Metrics and Ratios

The company maintained stable operational performance with loss ratio at 72.9% for FY26 compared to 72.8% in FY25. The combined ratio under IGAAP stood at 110.7% for FY26 versus 109.3% in FY25. Solvency ratio improved to 2.42 from 2.24, demonstrating strong financial health.

Key Ratios: FY25 FY26 Q4FY25 Q4FY26 Net Retention Ratio (%): 80.1% 73.7% 78.9% 77.2% Loss Ratio (%): 72.8% 72.9% 76.5% 75.2% Combined Ratio (IGAAP) (%): 109.3% 110.7% 111.3% 111.6% Solvency Ratio: 2.24 2.42 2.24 2.42 Return on Average Equity (%): 13.0% 12.6% 2.9% 3.3%

IndAS Financial Performance

Under Indian Accounting Standards (IndAS), which IRDAI has mandated for all insurers from April 1, 2026, the company reported profit before tax of ₹1,021 crore for FY26 compared to ₹689 crore in FY25. The IndAS net worth stood at ₹7,610 crore versus ₹7,099 crore in the previous year.

IndAS Performance: FY25 FY26 Q4FY25 Q4FY26 Profit Before Tax: ₹689 crore ₹1,021 crore ₹142 crore ₹239 crore Profit After Tax: ₹516 crore ₹764 crore ₹106 crore ₹179 crore Net Worth: ₹7,099 crore ₹7,610 crore ₹7,099 crore ₹7,610 crore Return on Average Equity (%): 15.7% 17.7% 2.7% 4.0%

Key Leadership Appointments

The Board approved significant appointments including M/s. Kirtane & Pandit LLP as tax auditors for FY26 and Mr. Ajaysinh Bharatsinh Jadeja as Chief Legal Claims and Investigation Officer, effective April 28, 2026. Mr. Jadeja brings over two decades of experience in litigation, legal claims, and investigation management in the insurance sector.

Regulatory Compliance and Documentation

Pursuant to Regulations 30 and 33 of the SEBI Listing Regulations, the company has submitted all required documentation to BSE Limited and National Stock Exchange of India Limited. Joint statutory auditors PKF Sridhar and Santhanam LLP and Kirtane & Pandit LLP have issued an unmodified audit report on the financial results. The Board meeting commenced at 4:10 p.m. and concluded at 5:05 p.m. on April 28, 2026. The company has made available its press release and investor presentation for Q4FY26 performance review on its website at https://www.godigit.com/investor-relations .

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