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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Go Digit General Insurance Ltd

Go Digit Q2 FY27 Profit After Tax (Ex MTM) Declined to ₹ 208 cr

RESULTS ▼ Concern Flagged MEDIUM RISK
📅 Filed on BSE: 05 Nov 2026, 05:05 PM IST  ·  BSE ID: 5e845ecf-fa0d-4498-af1b-44abea4106d0
View Original BSE Filing (PDF)
💡
In Simple Terms
Go Digit's quarterly profit decreased, and its premium income also saw a slight decline in the latest quarter.
🤖 AI Summary
  • Go Digit's Profit After Tax (Ex MTM) declined to ₹ 208 cr in Q2 FY27 from ₹ 277 cr in Q2 FY26.
  • Insurance Revenue increased slightly to ₹ 2,720 cr in Q2 FY27 compared to ₹ 2,675 cr in Q2 FY26.
  • Gross Written Premium registered a de-growth of 3.6% in Q2 FY27, totaling ₹ 2,571 cr.
  • Combined Insurance Service Ratio (CISR) worsened to 99.8% in Q2 FY27 from 94.9% in Q2 FY26.
  • Solvency Ratio stood at 2.40x as of September 30, 2026, above the 1.50x regulatory requirement.
🔢 Key Numbers - exact figures from BSE filing, not rounded
Insurance Revenue Q2 FY27
₹ 2,720 cr
1.68%
Profit After Tax (Ex MTM) Q2 FY27
₹ 208 cr
-24.91%
Gross Written Premium Q2 FY27
₹ 2,571 cr
-3.6%
Combined Insurance Service Ratio (%) Q2 FY27
99.8%
Solvency Ratio as on Sep 30, 2026
2.40 x
Assets Under Management as on Sep 30, 2026
₹ 24,371 cr
15.9%
🏢 How This Affects the Company
📈
Business Impact
The de-growth in Gross Written Premium by 3.6% in Q2 FY27 to ₹ 2,571 cr indicates a contraction in new business generation. The company's decision not to renew certain health reinsurance inward and government health business due to unattractive pricing influenced this premium de-growth.
💰
Financial Impact
Profit After Tax (Ex MTM) decreased by ₹ 69 cr (24.9%) to ₹ 208 cr in Q2 FY27. The increase in Claims Ratio to 62.4% and Combined Insurance Service Ratio to 99.8% points to higher operational costs relative to earned premium, impacting underwriting profitability.
⚙️
Operational Impact
The focus on 'Underwriting Discipline Sustained Amid a Soft Market' suggests an operational strategy to prioritize profitable underwriting over gross premium growth, as evidenced by non-renewal of certain businesses.
⚠️
Risk Impact
The increase in Claims Ratio to 62.4% from 48.2% in Q2 FY26 indicates a higher payout against insurance revenue, potentially increasing underwriting risk. However, the Solvency Ratio of 2.40x remains above the regulatory minimum of 1.50x.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, specifically the decline in Profit After Tax (Ex MTM) to ₹ 208 cr and the de-growth in Gross Written Premium by 3.6%.
🔍
Management Signal
The management's communication indicates a focus on 'Underwriting Discipline' and a willingness to not renew business with 'unattractive' pricing to maintain profitability metrics like CISR (Ex Flood Loss) at 97.4%.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List - track these upcoming events
Q3 FY27 financial results — check for trends in Gross Written Premium growth.
Combined Insurance Service Ratio (CISR) — monitor for improvement in underwriting performance.
Return on Average Equity — assess any further changes in profitability metrics.
MEDIUM RISK Decline in profitability and Gross Written Premium, alongside a worsening Combined Insurance Service Ratio, signals operational challenges.
💡 Investor Takeaway
Go Digit's Q2 FY27 Profit After Tax (Ex MTM) declined to ₹ 208 cr from ₹ 277 cr in Q2 FY26. Gross Written Premium de-grew by 3.6% to ₹ 2,571 cr, while the Combined Insurance Service Ratio worsened to 99.8%. Solvency remained strong at 2.40x.
⚖️ Strengths & Concerns

✅ Positives

  • Insurance Revenue increased to ₹ 2,720 cr in Q2 FY27 from ₹ 2,675 cr in Q2 FY26.
  • Solvency Ratio stood strong at 2.40x as of September 30, 2026, exceeding the 1.50x regulatory minimum.

⚠️ Concerns

  • Profit After Tax (Ex MTM) declined by 24.9% to ₹ 208 cr in Q2 FY27 from ₹ 277 cr in Q2 FY26.
  • Combined Insurance Service Ratio (CISR) worsened to 99.8% in Q2 FY27, up from 94.9% in Q2 FY26.
📅 Company Track Record
Go Digit General Insurance's Q1 FY27 profit after tax declined to Rs. 8,639 lakhs (or ₹ 86.39 cr). For the full FY 2026, the company reported 27.9% YoY profit growth to Rs. 54,435 lakhs (or ₹ 544.35 cr) on 9.8% gross premium expansion to Rs. 11,29,409 lakhs (or ₹ 11,294.09 cr).

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Go Digit General Insurance's Profit After Tax (Ex MTM) in Q2 FY27?
Go Digit General Insurance reported a Profit After Tax (Ex MTM) of ₹ 208 cr for Q2 FY27, compared to ₹ 277 cr in Q2 FY26.
How did Go Digit's Gross Written Premium perform in Q2 FY27?
Gross Written Premium for Go Digit General Insurance stood at ₹ 2,571 cr in Q2 FY27, representing a de-growth of 3.6% compared to ₹ 2,667 cr in Q2 FY26.
What is the Combined Insurance Service Ratio (CISR) for Go Digit in Q2 FY27?
The Combined Insurance Service Ratio (CISR) for Go Digit General Insurance was 99.8% in Q2 FY27, which is an increase from 94.9% in Q2 FY26.
What is Go Digit's Solvency Ratio as of September 30, 2026?
Go Digit General Insurance's Solvency Ratio was 2.40x as of September 30, 2026, which is higher than the minimum regulatory requirement of 1.50x.
What was Go Digit's Insurance Revenue in Q2 FY27?
Go Digit General Insurance's Insurance Revenue was ₹ 2,720 cr in Q2 FY27, up from ₹ 2,675 cr in Q2 FY26.

Questions based on this BSE filing only. For information purposes.

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⚠️ For Information Only - Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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