Financial Services / NBFC
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UGRO Capital Limited
Solve the Unsolved — Empowering India’s MSMEs with DataTech Lending
FinTech • Financial Services • NBFC • MSME Lending • Small Business Finance • DataTech Lending • Embedded Finance
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Desk Verified Journalist Discover the latest startup, business, and funding news. Get insights on trends, IPOs, mergers, and acquisitions. Perfect for entrepreneurs, investors. Startup Expert Business Media 2756 Articles
PROFILE INTELLIGENCEVerified profile
0₹2,700+ crore total equity capital commitment since inception
1₹2,021 crore total income in FY2026; ₹1,067 crore Net
22018
33,100+ employees
01
PROFILE
At a glance
FinTech • Financial Services • NBFC • MSME Lending • Small Business Finance • DataTech Lending • Embedded Finance
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INTELLIGENCE
What matters
02
Problem & solution
What the business is solving
UGRO addresses India's MSME credit gap by using data, technology and sector-specific underwriting to provide formal financing to small businesses that can be underserved by traditional lenders.
03
Business model
How the company creates value
B2B / B2B2C DataTech Lending / NBFC provides customised credit to MSMEs through direct distribution, branches, embedded-finance partnerships and technology-enabled underwriting.
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Customers & traction
Evidence of market progress
400,000+ customers, 317 Emerging Market branches and approximately ₹15,013 crore AUM as of June 2026. Embedded Finance had approximately 2.5 lakh active merchant customers at FY2026.
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Funding
Capital and investors
₹2,700+ crore total equity capital commitment since inception
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Growth signals
Expansion and momentum
₹15,334 crore FY2026 AUM (+28% YoY), ₹2,021 crore FY2026 total income (+40%), ₹174.8 crore FY2026 PAT (+21%), 400,000+ customers, 317 branches and expansion of higher-yield Emerging Market and Embedded Finance businesses.
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Products & services
Core offering
Loan Against Property, Embedded Financing, Machinery & Equipment Finance, MSME loans, small-business financing, merchant financing and cash-flow-based customised credit solutions.
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OFFICIAL LINKS
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