Go Digit General Insurance has announced an impressive set of numbers for the January-March 2025 quarter. The Go Digit Q4 Results 2025 show strong profitability, solid business growth, and a steady push toward technology adoption. Here’s a detailed look at how the company performed.
Profitability Jump in Q4
The Go Digit Q4 Results 2025 revealed that the company’s Profit After Tax (PAT) more than doubled, rising 118.9% year-on-year to ₹116 crore compared to ₹53 crore in the same period last year. For the full financial year FY25, the company’s PAT stood at ₹425 crore, a massive 133.5% growth compared to the previous year.
Not just the profit, the return on average equity (ROAE) also doubled, reaching 13% in FY25 from 7.5% a year earlier. This sharp improvement highlights how efficiently the company is using shareholder money to generate profits.
Strong Business Growth
The Go Digit Q4 Results 2025 also show that the company’s Gross Written Premium (GWP) rose 10.3% year-on-year to ₹2,576 crore during the quarter. For the entire FY25, the GWP touched ₹10,282 crore, marking a solid 14% growth over last year.
Go Digit’s assets under management (AUM) also saw a healthy jump of 25% year-on-year, reaching ₹19,703 crore by the end of March 2025. Even after accounting for adjustments, the company’s premium growth remained strong, showing the resilience of its business model.
Operational Metrics Stay Robust
Despite a slight uptick in claims, Go Digit managed to maintain a steady operational performance. The combined ratio for Q4 stood at 111.3%, compared to 108.8% a year earlier. For the full year FY25, the combined ratio was 109.3%, a slight increase from 108.7% in FY24.
On the positive side, Go Digit’s expense ratio improved significantly, dropping to 36.5% in FY25 from 38.4% a year earlier. Moreover, the solvency ratio remained strong at 2.24x, well above the minimum regulatory requirement of 1.5x, indicating the company’s financial health is in good shape.
Revenue Growth and Clarifications
In terms of revenue, the Go Digit Q4 Results 2025 reported a total revenue of ₹2,855.2 crore, which marks a 6% growth over the ₹2,692.5 crore reported in Q4 FY24.
Compared to the previous quarter (Q3 FY25), when revenue was ₹2,436 crore, there seems to be around 17% growth, but this comparison is a bit tricky. The numbers may not be fully comparable as the reporting metrics could differ slightly. Nevertheless, the growth trend is clear and positive.
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Efficiency and Technology Push
Another major highlight of the Go Digit Q4 Results 2025 was the company’s focus on tech-driven efficiencies. About 48.2% of policies were issued via APIs in FY25, reflecting a big shift towards digital operations. The company is also increasingly using AI and machine learning to automate underwriting and improve customer service.
Thanks to these technology investments, Go Digit was able to expand its partner network to 71,870 partners by the end of FY25, setting a strong base for future growth.
Final Takeaway
The Go Digit Q4 Results 2025 clearly underline the company’s strong momentum. From higher profits and rising premium collections to better operational efficiencies and increased tech adoption, Go Digit seems to be building a solid foundation for the future.
The insurer’s focus on profitable growth, strong solvency position, and digital transformation efforts make it well-positioned in the competitive insurance space. Going forward, it will be interesting to see how the company continues to leverage technology to drive even higher levels of customer satisfaction and business growth.
