Go Digit General Insurance Limited
Go Digit General Insurance Limited provides various insurance services in India. The company offers motor insurance solutions covering cars, bikes, OD for cars, rickshaw, taxi/cabs, and trucks; health insurance solutions, including health, OPD health insurance, super top-up, Arogya Sanjeevani policy, port health policy, and employee health; business products comprising D&O, erection all risk, contractors all risk, marine cargo, and CPM insurance, as well as workmen compensation; and other products, such as travel, property, home, shop, fire, and office insurance products. It also provides other products comprising child insurance, protection, income, endowment, investment, and ULIP plans, as well as whole life insurance, and money back policy. The company was formerly known as Oben General Insurance Limited and changed its name to Go Digit General Insurance Limited in May 2017. Go Digit General Insurance Limited was incorporated in 2016 and is based in Bengaluru, India. Go Digit General Insurance Limited is a subsidiary of Go Digit Infoworks Services Private Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, May has averaged the highest return (+10.4%); Jan the lowest (-6.1%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -5.8%Negative MonthJan 2026: -5.82% | +3.3%Positive MonthFeb 2026: +3.32% | -2.8%Negative MonthMar 2026: -2.76% | -5.1%Negative MonthApr 2026: -5.10% | -0.0%Neutral MonthMay 2026: -0.03% | +4.6%Positive MonthJun 2026: +4.59% | -24.0%*Negative MonthJul 2026: -24.01% | β | β | β | β | β |
| 2025 | -6.4%Negative MonthJan 2025: -6.43% | +2.7%Positive MonthFeb 2025: +2.69% | -5.4%Negative MonthMar 2025: -5.38% | -1.4%Neutral MonthApr 2025: -1.40% | +20.8%Positive MonthMay 2025: +20.78% | +4.5%Positive MonthJun 2025: +4.49% | +2.8%Positive MonthJul 2025: +2.78% | -3.3%Negative MonthAug 2025: -3.33% | -3.7%Negative MonthSep 2025: -3.66% | +4.1%Positive MonthOct 2025: +4.11% | -0.2%Neutral MonthNov 2025: -0.21% | -3.8%Negative MonthDec 2025: -3.79% |
| 2024 | β | β | β | β | β | +13.2%Positive MonthJun 2024: +13.23% | +3.6%Positive MonthJul 2024: +3.56% | +9.2%Positive MonthAug 2024: +9.23% | -1.8%Neutral MonthSep 2024: -1.75% | -12.4%Negative MonthOct 2024: -12.40% | +4.0%Positive MonthNov 2024: +3.99% | -7.2%Negative MonthDec 2024: -7.15% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 3 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ9.37 K Cr | β | βΉ425.00 Cr | β | β | 9.9% | 15.0% | 133.5% |
| Mar 2024 | βΉ8.15 K Cr | β | βΉ182.00 Cr | β | β | 6.7% | 38.4% | 405.6% |
| Mar 2023 | βΉ5.88 K Cr | β | βΉ36.00 Cr | β | β | 1.5% | 53.2% | -112.2% |
| Mar 2022 | βΉ3.84 K Cr | β | βΉ-296.00 | β | β | -15.0% | 70.6% | 140.7% |
| Mar 2021 | βΉ2.25 K Cr | β | βΉ-123.00 | β | β | -10.0% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue / Net Sales | 2,252 | 3,841 | 5,885 | 8,147 | 9,371 | 9,755 |
| Total Expenses | 2,366 | 4,124 | 5,835 | 8,416 | 9,250 | 9,551 |
| EBIT / Operating Profit | -114 | -283 | 50 | -269 | 121 | 204 |
| OPM % | -5% | -7% | 1% | -3% | 1% | 2% |
| Other Income | 0 | 0 | 0 | 468 | 324 | 327 |
| Finance Costs | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation & Amortisation | 9 | 12 | 15 | 18 | 20 | 0 |
| Profit Before Tax | -123 | -296 | 36 | 182 | 425 | 530 |
| Tax % | 0% | 0% | 0% | 0% | 0% | - |
| Net Profit / PAT | -123 | -296 | 36 | 182 | 425 | 508 |
| EPS (βΉ) | -1.49 | -3.44 | 0.41 | 2.08 | 4.60 | 5.51 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Go Digit General Insurance Limitedthis co. | βΉ31.32 K Cr | βΉ9.37 K Cr | 61.60 | 6.75 | 157.75 | 15.0% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
