GODIGIT · Financial Services
Go Digit General Insurance Ltd. reported total income of ₹3,089 cr for July to September 2026, +24.2% on the year and +27.3% on the quarter. That is faster than this quarter has grown in recent years (+14.3% on average), so the year-on-year number is not just the season. It is the highest quarterly income in the last 12 quarters on record. Over the last four quarters income comes to ₹10,797 cr, +10.7% on the four before.
Net profit was ₹142 cr, +21.4% on the year and +65.1% on the quarter, with earnings per share of ₹1.54. The tax rate was 25% against an average of 16% over the previous 5 quarters, which weighed on profit this quarter. Profit over the last four quarters totals ₹517 cr, +5.5% on the four before.
Of the 84 companies in NBFCs and housing finance that have reported Q2 FY27 so far, Go Digit General Insurance Ltd. ranks 44th on profit growth; the sector median is +25.2%.
An NBFC's quarter turns on loan growth, its cost of borrowing and credit costs; profit can rise for a while simply because provisions fall. The quarterly statements do not carry AUM growth, stage 2 and 3 assets, credit cost and the cost of funds; those come with the filing read.
Written from the quarterly statements. The filing read adds the balance sheet and cash flow filed with this quarter, the auditor's review, segment results, one-off items line by line and what management said on the call.
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders), Net interest income against profit (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
This quarter's filing carries a balance sheet and a cash flow statement. The cash, receivables and borrowing checks run once the filing read is in.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹2,286 cr | ₹2,256 cr | ₹2,105 cr | ₹2,234 cr | ₹2,436 cr | ₹2,594 cr | ₹2,236 cr | ₹2,488 cr | ₹2,570 cr | ₹2,711 cr | ₹2,427 cr | ₹3,089 cr |
| YoY | — | — | +24% | +17% | +7% | +15% | +6% | +11% | +6% | +5% | +9% | +24% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 0% | 0% | 0% | 0% | 0% | 0% | 14% | 14% | 14% | 13% | 25% | 25% |
| Net profit | ₹43.0 cr | ₹53.0 cr | ₹101 cr | ₹89.0 cr | ₹119 cr | ₹116 cr | ₹138 cr | ₹117 cr | ₹140 cr | ₹149 cr | ₹86.0 cr | ₹142 cr |
| YoY | — | — | +74% | +218% | +177% | +119% | +37% | +31% | +18% | +28% | −38% | +21% |
| EPS | ₹0.49 | ₹0.60 | ₹1.10 | ₹0.97 | ₹1.29 | ₹1.25 | ₹1.50 | ₹1.26 | ₹1.52 | ₹1.62 | ₹0.93 | ₹1.54 |
| Flags | · | · | · | · | · | · | · | · | · | · | · | · |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
Go Digit General Insurance Ltd. reported total income of ₹3,089 cr (+24.2% on the year) and net profit of ₹142 cr (+21.4% on the year) for July to September 2026.
None of the 2 checks that could run raised a question.
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