Go Digit General Management Guidance Tracker

9 forward-looking guidance items tracked across 3 quarters.

Growth

Q2 FY26H2 industry growth expected to be better than H1Active

Management expects macro indicators and festive season to drive higher motor and health insurance growth in H2 FY26.

Q3 FY26Motor pricing corrections implemented in January and FebruaryActive

Management has taken corrective pricing actions in private car and two-wheeler segments to address rising loss ratios, with further changes going live in February.

Q4 FY26New specialty lines target 1,000 Cr premium in 3-5 yearsTracked

Management plans to develop niche commercial lines, aiming for ~1,000 crore premium over 3-5 years.

Other

Q2 FY26Deferred acquisition cost unwind of ~₹71 Cr in H2Active

Out of ₹178 Cr deferred acquisition cost (post-tax), ~₹71 Cr will benefit IGAP results in H2 FY26.

Q3 FY26Tax rate to move to 25% from next financial yearTracked

Current tax rate is ~14% for FY26; from FY27 onwards, the effective tax rate will increase to 25% as accumulated losses are fully utilized.

Margins

Q2 FY26No major change in management expenses in H2Active

Management expects opex to remain stable in H2, with continued investment in technology driving productivity gains.

Q4 FY26Motor OD loss ratio to stabilize by Q2 FY27Active

Corrective actions taken in Q4 should stabilize motor OD loss ratio by July-September 2026, then reduce.

Ai Strategy

Q3 FY26Equity allocation to increase opportunisticallyTracked

With solvency at 230% and equity allocation at 7.4%, the company plans to increase equity exposure if market conditions offer attractive entry points.

Expansion

Q4 FY26Crop insurance direct participation in FY27Tracked

Company plans to participate directly in crop insurance tenders in FY27, building on capability development.