Digit General Insurance — Distribution Mix

Go Digit General Insurance's new business was led by the Brokers channel at 54.7% of premium for Q1 FY26-27, as reported in IRDAI form NL-36.

combined ratio, Q1 FY26-27
112.4%
+3.7 pts
incurred claims ratio, Q1 FY26-27
73.3%
+3.0 pts
net commission ratio, Q1 FY26-27
29.4%
+0.0 pts
expense ratio to gross premium, Q1 FY26-27
39.0%
+4.0 pts
Total premium, Q1 FY26-27
₹2,44,677 lakh
−2.4%
Leading channel, Q1 FY26-27
Brokers
54.7% of premium

Channel mix — quarter ended Q1 FY26-27 vs. Q1 FY25-26 (year ago)

Channel groupPolicies, Q1 FY26-27Premium, Q1 FY26-27Policies, Q1 FY25-26Premium, Q1 FY25-26
Brokers28,01,650₹1,33,957 lakh (54.7%)19,74,184₹1,55,900 lakh (62.2%)
Agents/POSP7,52,919₹43,765 lakh (17.9%)7,07,799₹44,902 lakh (17.9%)
Agents/POSP channels (2)
ChannelPolicies, Q1 FY26-27Premium, Q1 FY26-27Policies, Q1 FY25-26Premium, Q1 FY25-26
Individual Agents1,48,999₹14,822 lakh1,37,442₹15,937 lakh
Point of Sales Person (Direct)6,03,920₹28,943 lakh5,70,357₹28,965 lakh
Direct Website1,36,826₹3,562 lakh (1.5%)1,09,495₹3,146 lakh (1.3%)
Banks6,348₹2,201 lakh (0.9%)6,665₹1,688 lakh (0.7%)
Direct non-website21,888₹36,113 lakh (14.8%)17,902₹27,780 lakh (11.1%)
Direct non-website channels (2)
ChannelPolicies, Q1 FY26-27Premium, Q1 FY26-27Policies, Q1 FY25-26Premium, Q1 FY25-26
Direct Business – Officers/Employees21,888₹36,113 lakh17,902₹27,780 lakh
Direct Business – OthersNot disclosedNot disclosed0₹0 lakh
Corporate Agents2,28,311₹13,970 lakh (5.7%)1,88,493₹8,527 lakh (3.4%)
Others2,64,136₹11,109 lakh (4.5%)2,22,385₹8,789 lakh (3.5%)
Others channels (7)
ChannelPolicies, Q1 FY26-27Premium, Q1 FY26-27Policies, Q1 FY25-26Premium, Q1 FY25-26
Micro AgentsNot disclosedNot disclosed0₹0 lakh
Common Service Centres (CSC)28,987₹442 lakh24,498₹403 lakh
Insurance Marketing Firm29,611₹1,932 lakh7,754₹730 lakh
MISP (Direct)2,05,332₹8,727 lakh1,89,508₹7,643 lakh
Web Aggregators206₹8 lakh625₹13 lakh
Referral ArrangementsNot disclosedNot disclosed0₹0 lakh
OtherNot disclosedNot disclosed0₹0 lakh
Total, India42,12,078₹2,44,677 lakh (100%)32,26,923₹2,50,732 lakh (100%)

Per IRDAI Form NL-36 (Business Channels Wise), "For the Quarter" column. Channels are grouped into ARGO's own 7-way classification (Brokers, Agents/POSP, Direct Website, Banks, Direct non-website, Corporate Agents, Others) — click a group with more than one channel to see its own breakdown. "Total, India" sums the 15 channels extracted here and excludes "Business outside India," a separate geography line on the same form. Some insurers report "Direct Business"'s sub-channels (Officers/Employees, Online, Others) as one combined figure rather than a real breakdown — shown as "Not disclosed" for those rows rather than guessed.

Total premium by quarter, trend

PeriodTotal, India premiumPolicies
Q2 FY25-26₹2,37,923 lakh39,72,339
Q3 FY25-26₹2,55,736 lakh49,00,541
Q4 FY25-26₹2,40,219 lakh46,47,377
Q1 FY26-27₹2,44,677 lakh42,12,078