Loan Against
Property
Embedded
Financing
Machinery & Equipment Finance
UGRO Capital is India's MSME DataTech lending platform, listed in July 2018 as India's first listed NBFC startup. The Company addresses the ₹30 lakh crore MSME credit gap through its 317 Emerging Market branches across 13 states, the MyShubhLife merchant-embedded finance platform, and GRO Score 3.0 AI/ML underwriting. UGRO's embedded finance model delivers credit to MSMEs at the point of business need through partnerships with PhonePe, BharatPe and other payment ecosystems. Backed by marquee institutional investors with over ₹2,400 crore raised since inception.
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!
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
Single Tax Regime Rationalisation A Priority, What’s On MSME’s Budget Wishlist? | Shachindra Nath
12|07|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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