Digit General Insurance — Financial Performance
Go Digit General Insurance's combined ratio was 112.4% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
Quarterly financial ratios — Q1 FY25-26 to Q1 FY26-27
| Metric | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | Q1 FY25-26 |
|---|---|---|---|---|---|
| incurred claims ratio | 73.3%+3.0 pts | 75.2%−1.3 pts | 72.5%−0.4 pts | 73.0%+2.4 pts | 70.3% |
| net commission ratio | 29.4%+0.0 pts | 26.8%−2.9 pts | 28.1%+3.8 pts | 28.6%−1.1 pts | 29.3% |
| expense ratio to gross premium | 39.0%+4.0 pts | 41.9%+2.5 pts | 43.4%+1.0 pts | 41.6%−0.7 pts | 35.0% |
| combined ratio | 112.4%+3.7 pts | 111.7%+0.0 pts | 110.7%+2.6 pts | 111.4%−0.7 pts | 108.6% |
| solvency ratio | 2.43× | 2.42×+0.18× | 2.30×+0.08× | 2.26×+0.08× | Not disclosed |
| profit before tax | ₹115 crore−28.1% | ₹173 crore+49.2% | ₹163 crore+37.4% | ₹136 crore+51.6% | ₹161 crore |
| profit after tax | ₹86 crore−37.5% | ₹149 crore+29.2% | ₹140 crore+18.2% | ₹117 crore+30.2% | ₹138 crore |
The small figure under each number is the change from the same quarter a year earlier — in percentage points for ratios, as a percentage change for profit before/after tax. Shown only where this insurer has a filing from exactly that quarter a year ago; no figure means that comparison isn't available, not that nothing changed.
Expense ratio shown on a gross-direct-premium basis (GDP), per IRDAI's 2021 reform — not directly comparable to an insurer's net-written-premium (NWP) basis figure if quoted elsewhere. "Not disclosed" means this insurer's filing for that quarter didn't include this figure — not an estimate.
Full-year financial ratios
These are the insurer's own full-year figures, as filed with IRDAI for the whole fiscal year — not the same as adding up four quarters, since each quarter's own number above is a standalone snapshot for that quarter alone.
| Metric | FY25-26 | FY24-25 |
|---|---|---|
| incurred claims ratio | 72.9% | 72.8% |
| net commission ratio | 28.2% | 27.1% |
| expense ratio to gross premium | 40.5% | 39.0% |
| combined ratio | 110.7% | 109.3% |
| profit before tax | Not disclosed | ₹425 crore |
| profit after tax | Not disclosed | ₹425 crore |
Provenance (combined ratio, latest quarter)
- Reported by
- Digit General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · Digit General Insurance's disclosure page
- Extracted by
- EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)
- Last verified
- 2026-10-26
- Note
- Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.