UGRO Capital is India's MSME growth partner, combining deep sector intelligence and DataTech underwriting to unlock institutional credit for Bharat's entrepreneurs.
UGRO Capital is India's MSME growth partner, combining deep sector intelligence and DataTech underwriting to unlock institutional credit for Bharat's entrepreneurs.
A Loan Against Property lets businesses raise funds by pledging residential, commercial, or industrial property.
Credit embedded into the marketplaces, distributors and SaaS your merchants run on.
Asset-backed loans for plant, machinery and equipment — flexible LTV and tenure tuned to manufacturing MSMEs.
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. institutional credit at the speed of business.
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.
We rebuilt the MSME lending workflow on top of data. No branch tours, no paper forests — just a clean four-step journey.
2-minute online form. Or drop into one of our 300+ branches.
GRO Score reads GST, bank flows and bureau data in real time.
Sanction inside 72 hours for most MSME profiles.
Money in your account — straight into the business.
GRO Score is UGRO's proprietary AI/ML underwriting model. Instead of asking for three years of audited financials, it looks at the data your business already generates.
How GRO Score works →Our GRO Score underwriting models are built on deep, sector-specific data across eight high-growth verticals — each broken into 180+ sub-sectors.
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Diagnostics & Care
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Ed-Tech & Institutions
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Industrial Compounds
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Supply Chain Tech
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Advanced Robotics
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Travel Infrastructure
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Power Systems
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Future Mobility
"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!"
"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."
“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."
“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."
