Ugro Capital Limited
77.10
INR
-1.56
(-1.98%)
Ugro Capital Limited
BSE:UGROCAP
(Bombay Stock Exchange)
Recent
price
77.10
P/E
ratio
6.53
div
yld
- -
ROIC.AI
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- Business
- UGRO Capital Limited is an India-based non-banking financial company (NBFC) specializing in providing tailored credit solutions and lending services primarily to micro, small, and medium enterprises (MSMEs) across diverse sectors. The company offers a comprehensive suite of financial products including secured business loans such as Loan Against Property; unsecured business loans; machinery and equipment finance; supply chain finance; rooftop solar finance; microenterprise loans; and retailer finance. Its product offerings target key sectors including healthcare, education, chemicals, food processing and FMCG, hospitality, electrical equipment and components, auto components, and light engineering. UGRO Capital leverages advanced data analytics and a proprietary underwriting model, GRO Score 3.0, to tailor loans according to the credit profiles of borrowers using banking, credit bureau, and GST data, with operations spanning across India through a wide distribution network of more than 320 branches nationwide. Founded in 2018 and headquartered in Mumbai, Maharashtra, UGRO Capital supports over 233,000 customers and has assets under management exceeding INR 12,226 crore as of September 2025. Recent major developments include UGRO Capital's strategic acquisition of Profectus Capital in a ₹1,400 crore all-cash deal completed in 2025, enhancing its market presence and client base. In October 2025, the company closed a significant capital raising transaction issuing over 28.8 million fully paid compulsorily convertible debentures, raising more than INR 534 crore to support its expansion and lending capacity. Additionally, UGRO Capital has diversified its liability profile by issuing non-convertible debentures and commercial papers with competitive coupon rates to strengthen its capital adequacy, which stands at 22.4%, well above regulatory requirements. The company continues to expand its branch network and embedded finance platform while tightening underwriting standards to mitigate risks in a changing regulatory landscape. It focuses on promoting financial inclusion with lending solutions targeted towards women-owned, youth-led, and rural MSMEs, underlining its commitment to supporting underserved segments in the Indian small business credit market. UGRO Capital is listed on the NSE and BSE and remains committed to innovation in data-driven lending for MSMEs in India.