UGRO Capital Limited

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.

B2B / B2B2C DataTech Lending / NBFC provides customised credit to MSMEs through direct distribution, branches, embedded-finance partnerships and technology-enabled underwriting.

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.

₹2,700+ crore total equity capital commitment since inception

₹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.

Loan Against Property, Embedded Financing, Machinery & Equipment Finance, MSME loans, small-business financing, merchant financing and cash-flow-based customised credit solutions.