Go Digit General Insurance Limited — PPTs, 15-02-2026: Investor Presentation

Go Digit is strategically shifting to 'Choice-Led Growth,' prioritizing return on equity (ROE) over mere volume through careful capital allocation and risk assessment. Overall Gross Direct Premium Income (GDPI) grew by 14.7% (April-Dec '25), with high-ROE Motor Third Party segments seeing 26% growth. Direct-to-consumer (D2C) channels surged ~1.6x year-on-year, maintaining over 70% renewal rates. Motor OD claim volume hit 0.55 Cr.

Key strategies include optimizing distribution quality, disciplined underwriting in commercial lines, and stringent Motor TP claims management. The company uses AI-powered 'Ojas' for partner engagement, boosting physical visits by 27%, and is deploying Agentic AI for claims registration (beta, Hindi live). Management emphasizes "scaling minds, not headcount." This tech drive has improved customer NPS to 97.3%, cut End-to-End claims TAT to 16.8 days, and increased claims processed per person to 148 monthly. Notably, a significant Motor TP claim of ₹3.5 Cr was settled within two months due to proactive management. The outlook focuses on leveraging tech for profitable, scalable operations and a strong portfolio.