Loan Against
Property
Embedded
Financing
Machinery & Equipment Finance
UGRO Capital Limited is a DataTech Lending platform listed on NSE and BSE, focused on addressing India’s small business credit gap through its proprietary DataTech approach and diversified distribution network. The Company has built a scalable MSME lending franchise with a strategic focus through its network of over 300 Emerging Markets branches delivering small ticket loan against property and merchant-led embedded financing to underserved emerging MSMEs.
UGRO’s embedded finance model enables seamless credit access for MSMEs through partnerships with fintech platforms and payment ecosystems, delivering timely financing to merchants at the point of business need. The Company leverages advanced data analytics, AI/ML-driven credit scoring (GRO Score 3.0), and proprietary underwriting model to enable faster, data-driven lending decisions and expand access to formal credit for small businesses.
The Company is backed by marquee institutional investors and guided by a strong governance framework, UGRO continues to advance financial inclusion while supporting the larger vision of “India by MSME.”
317
BRANCHES
321000
CUSTOMERS
(As of March 2026)
15334
CrAUM
(As of March 2026)
2900
+EMPLOYEES
(As of March 2026)
IND A+ / Positive and
CRISIL A / Stable
Our revolutionary proprietary underwriting model, GRO Score 3.0, Utilised AI/ML to provide precise credit risk assessment and real-time business credit solutions to our customers on the basis of credit bureau, banking statements and GST information.
Enhanced Accuracy
Utilised AI/ML to deliver precise credit risk assessments, reducing the chances of errors in evaluating creditworthiness.
Improved Risk Assessment
Accurately identifies and mitigates potential risks, protecting both lender and borrower.
Increased Accessibility
Makes credit more accessible to MSMEs by leveraging non-traditional data sources for credit evaluation.
Dynamic Adjustments
Continuously learns and adapts to new data, improving its predictive accuracy over time.
Check out how we’re making the headlines on our journey to empower the MSME ecosystem!
UGRO Capital unveils Business Lakshmi Mantras | Shachindra Nath in conversation with Salil Acharya
10|10|2025
UGRO Capital’s 4th MSME Sampark Report | Mr. Shachindra Nath on India by MSMEs In 2026
21|02|2026
Women’s Day Special: Irem Sayeed on Risk Management & DataTech Lending at UGRO Capital
08|03|2026
UGRO Bets Big On MSME, Acquires Profectus: What To Expect Next? | NDTV Profit Exclusive
18|07|2025
Ugro Capital - कंपनी के फंडामेंटल-नतीजों पर MD, Shachindra Nath से एक्सूलिव बातचीत | Q2 Results
24|10|2024
MSME Financing Made Simple: Insights from Shachindra Nath | Simple Hai! with Vivek Law
21|11|2024
Jagdish Bhagat
Owner of DK Sales"As a small business owner, finding the right financing partner was crucial. UGRO Capital truly understood my needs and tailored a loan solution that perfectly matched my business requirements. Their personalised approach made the entire process smooth and stress-free. Thanks to UGRO, my business is thriving!"
Naveen Kumar Masala
Owner of Burfi Ghar"The customer service at UGRO Capital is exceptional. Their team guided me through every step of the loan process and was always available to answer my queries. I felt valued and supported throughout the journey. UGRO Capital’s commitment to customer satisfaction is truly commendable."
Konda Suresh
Owner of Buildwick Doors and Windows“UGRO Capital’s digital platform made applying for a loan so easy and convenient. The entire process, from application to disbursement, was completed online with minimal paperwork. It saved me time and allowed me to focus on running my business. UGRO Capital is a true digital pioneer in MSME financing."
Ramachandran Srinivas
Owner of VROBAL Recycling India Pvt. Ltd.“UGRO Capital’s digital platform made applying for a loan so easy and convenient. The entire process, from application to disbursement, was completed online with minimal paperwork. It saved me time and allowed me to focus on running my business. UGRO Capital is a true digital pioneer in MSME financing."
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