Go Digit General Insurance Limited CC-Mar25.pdf · 2025-04-28
Yes. Thank you for the opportunity . Kamesh, your EOM at 33.9% probably was because of the lower Motor contribution in the current year, because you intentionally slowed down the TP business because of the pricing or competitive environment. So tomorrow for example growth come s back in this particular segment, and we will not hesitate to grow that segment, then are you confident that your EOM for ‘26 will be still better than ‘25? If yes, what are the likely levers you have?
But Kamesh, if I look at your loss ratio, last three-years, that is ’23, ’24, ’25, it kept on increasing by almost 200 -odd basis point or 250 basis point every year. But the counter to that was, it was an improvement in the expense ratio because the mix moved away from retail. So just to understand that if the mix goes wholesale or more commercial, then is it fair to say that your new normal in loss ratios are more 70% to 73% rather than being 68%, 70% what you used to report?