{"id":193961,"date":"2026-08-10T13:51:50","date_gmt":"2026-08-10T08:21:50","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=193961"},"modified":"2026-08-10T13:51:52","modified_gmt":"2026-08-10T08:21:52","slug":"icici-lombard-vs-go-digit-general-insurance-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/","title":{"rendered":"ICICI Lombard General Insurance vs Go Digit General Insurance: Share Price, Comparison and Key Differences"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>ICICI Lombard MCap Rs 82,455 Cr, PE 33.96x, ROE 14.27%, zero debt, Div 0.82%. Go Digit MCap Rs 25,066 Cr, PE 50.86x, ROE 11.67%, D\/E 0.08.<\/em><\/p>\n<p>ICICI Lombard General Insurance vs Go Digit General Insurance is a comparison private general insurance investors look up when evaluating two listed Indian non-life insurers. ICICI Lombard is India&#8217;s largest private general insurer with a broad product range across motor, health, fire, marine and crop insurance. Go Digit is a technology-first general insurer backed by Prem Watsa (Fairfax Financial, Canada) that has scaled rapidly in motor and health insurance using simpler products and digital processes.<\/p>\n<p>This ICICI Lombard General Insurance vs Go Digit General Insurance article covers reach and market position, key products, latest declared results and stock valuation. The ICICI Lombard General Insurance vs Go Digit General Insurance data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Reach_and_Market_Position\" title=\"ICICI Lombard General Insurance vs Go Digit General Insurance: Reach and Market Position\">ICICI Lombard General Insurance vs Go Digit General Insurance: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Key_Products_and_Business_Mix\" title=\"ICICI Lombard General Insurance vs Go Digit General Insurance: Key Products and Business Mix\">ICICI Lombard General Insurance vs Go Digit General Insurance: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Latest_Results\" title=\"ICICI Lombard General Insurance vs Go Digit General Insurance: Latest Results\">ICICI Lombard General Insurance vs Go Digit General Insurance: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Stock_and_Valuation\" title=\"ICICI Lombard General Insurance vs Go Digit General Insurance: Stock and Valuation\">ICICI Lombard General Insurance vs Go Digit General Insurance: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Quick_Comparison_Table\" title=\"ICICI Lombard General Insurance vs Go Digit General Insurance: Quick Comparison Table\">ICICI Lombard General Insurance vs Go Digit General Insurance: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#What_does_ICICI_Lombard_General_Insurance_sell\" title=\"What does ICICI Lombard General Insurance sell?\">What does ICICI Lombard General Insurance sell?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#What_is_Go_Digit_known_for\" title=\"What is Go Digit known for?\">What is Go Digit known for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Who_backs_Go_Digit\" title=\"Who backs Go Digit?\">Who backs Go Digit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#What_is_the_combined_ratio_in_insurance\" title=\"What is the combined ratio in insurance?\">What is the combined ratio in insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Does_ICICI_Lombard_pay_dividends\" title=\"Does ICICI Lombard pay dividends?\">Does ICICI Lombard pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Is_Go_Digit_listed\" title=\"Is Go Digit listed?\">Is Go Digit listed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-vs-go-digit-general-insurance-comparison\/#Is_Indias_general_insurance_market_growing\" title=\"Is India&#8217;s general insurance market growing?\">Is India&#8217;s general insurance market growing?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Reach_and_Market_Position\"><\/span><strong>ICICI Lombard General Insurance vs Go Digit General Insurance: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the ICICI Lombard General Insurance side of the ICICI Lombard General Insurance vs Go Digit General Insurance comparison, ICICI Lombard distributes through ICICI Bank branches, direct agents, online platforms and corporate partnerships. Market capitalisation is Rs 82,455 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=icicigi-vs-godigit\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Go Digit General Insurance side of the ICICI Lombard General Insurance vs Go Digit General Insurance comparison, Go Digit distributes primarily through digital channels, embedded insurance partnerships and brokers, with a technology-led product philosophy. Market capitalisation is Rs 25,066 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Key_Products_and_Business_Mix\"><\/span><strong>ICICI Lombard General Insurance vs Go Digit General Insurance: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the ICICI Lombard General Insurance vs Go Digit General Insurance product comparison, ICICI Lombard General Insurance offers: ICICI Lombard earns from motor, health, fire, marine, liability and crop insurance premiums minus claims and expenses. EPS is Rs 48.61. PE is 33.96x, ROE 14.27 percent, zero debt, Div 0.82 percent.<\/p>\n<p>For Go Digit General Insurance in this ICICI Lombard General Insurance vs Go Digit General Insurance breakdown: Go Digit earns from motor and health insurance premiums. EPS is Rs 5.33. PE is 50.86x, ROE 11.67 percent, D\/E 0.08.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Latest_Results\"><\/span><strong>ICICI Lombard General Insurance vs Go Digit General Insurance: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Lombard General Insurance vs Go Digit General Insurance results for ICICI Lombard General Insurance: ICICI Lombard has a market cap of Rs 82,455 Cr and PE of 33.96x. ROE is 14.27 percent with zero debt. ICICI Lombard is 3.3 times larger than Go Digit by market cap.<\/p>\n<p>The ICICI Lombard General Insurance vs Go Digit General Insurance results for Go Digit General Insurance: Go Digit has a market cap of Rs 25,066 Cr and PE of 50.86x. ROE is 11.67 percent. Go Digit is growing rapidly but trades at a higher PE than ICICI Lombard, reflecting its growth premium.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare ICICI Lombard General Insurance and Go Digit General Insurance Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Stock_and_Valuation\"><\/span><strong>ICICI Lombard General Insurance vs Go Digit General Insurance: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Lombard General Insurance vs Go Digit General Insurance stock comparison uses the latest available market data from Groww. Investors tracking ICICI Lombard General Insurance vs Go Digit General Insurance should verify current prices on NSE or BSE before trading.<\/p>\n<p>ICICI Lombard vs Go Digit at current valuations: ICICI Lombard trades at Rs 82,455 Cr market cap, PE 33.96x, ROE 14.27 percent, zero debt. Go Digit trades at Rs 25,066 Cr market cap, PE 50.86x, ROE 11.67 percent. ICICI Lombard is cheaper on PE with a higher ROE. Go Digit commands a growth premium for its technology disruption potential.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_vs_Go_Digit_General_Insurance_Quick_Comparison_Table\"><\/span><strong>ICICI Lombard General Insurance vs Go Digit General Insurance: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Lombard General Insurance vs Go Digit General Insurance comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/icicigi\/icici-lombard-general-insurance-company-ltd-share-price-today\">ICICI Lombard General Insurance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/godigit\/go-digit-general-insurance-ltd-share-price-today\">Go Digit General Insurance<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">General insurance: motor, health, fire, crop (established)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">General insurance: motor, health (digital-first)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 82,455 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 25,066 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">33.96x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">50.86x (growth premium)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">14.27%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.67%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Zero<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.08<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.82%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Promoter<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ICICI Bank + Fairfax Financial Canada (JV)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Fairfax Financial Canada + founders<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Lombard General Insurance vs Go Digit General Insurance comparison above covers the key data points on reach, products, results and valuation. ICICI Lombard vs Go Digit General Insurance covers an established general insurance leader versus a digital insurance disruptor. ICICI Lombard has a diversified multi-product portfolio with a scale moat. Go Digit has technology-driven simplicity and a premium-valued growth trajectory. ICICI Lombard vs Go Digit investors should review combined ratio, claims experience, premium growth and motor market share for both. ICICI Lombard vs Go Digit both benefit from India&#8217;s under-insured general insurance market &#8211; consult a SEBI-registered advisor for personalised guidance. ICICI Lombard General Insurance vs Go Digit General Insurance are both private sector general insurance investments with growing premium books.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track ICICI Lombard General Insurance and Go Digit General Insurance live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_does_ICICI_Lombard_General_Insurance_sell\"><\/span><strong>What does ICICI Lombard General Insurance sell?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ICICI Lombard sells motor insurance (private car, two-wheeler, commercial vehicle), health insurance, fire and commercial property insurance, marine, crop and liability insurance across India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Go_Digit_known_for\"><\/span><strong>What is Go Digit known for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Go Digit is known for its simplified, digital-first general insurance products in motor and health. It uses technology to simplify claims and policy management and gained rapid growth after its listing in 2024.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_backs_Go_Digit\"><\/span><strong>Who backs Go Digit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Go Digit was founded by Kamesh Goyal and is backed by Fairfax Financial Holdings (Canada) through Prem Watsa &#8211; the same Fairfax that is a major co-promoter of ICICI Lombard through its early investment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_combined_ratio_in_insurance\"><\/span><strong>What is the combined ratio in insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The combined ratio = claims ratio + expense ratio. A combined ratio below 100 percent means the insurer is earning an underwriting profit. General insurers also earn investment income on float.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_ICICI_Lombard_pay_dividends\"><\/span><strong>Does ICICI Lombard pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. ICICI Lombard pays a dividend yield of approximately 0.82 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Go_Digit_listed\"><\/span><strong>Is Go Digit listed?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Go Digit General Insurance completed its IPO and got listed in 2024 on Indian exchanges.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Indias_general_insurance_market_growing\"><\/span><strong>Is India&#8217;s general insurance market growing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. India&#8217;s general insurance penetration is well below the global average. Motor insurance (mandatory), health insurance and fire insurance are growing rapidly driven by vehicle sales, health awareness and IRDAI regulatory changes.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Lombard vs Go Digit General Insurance compared on combined ratio, product mix, ROE and valuation. 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