6.3 crore Indian MSMEs power one-third of the country's GDP and employ 11 crore people yet face a credit gap of over ₹30 lakh crore because traditional lenders can't read their business.
UGRO Capital was built to close that gap. We combine deep sector knowledge with a proprietary DataTech engine, GRO Score that underwrites cash flows, GST data and bureau signals to deliver institutional credit at the speed of business.
Two focused, wholly-owned growth engines, plus Machinery & Equipment Finance through our Profectus subsidiary - all underwritten by one MSME-first DataTech stack.
Growth Engine 01
Secured lending against property, built branch by branch for Bharat's entrepreneurs.
Growth Engine 02
Embedded merchant finance, formerly MyShubhLife. Credit at the point of business for platform merchants.
Growth Engine 03
Buy or upgrade machinery, up to ₹3 Cr, no extra collateral. Delivered through Profectus Capital.
We rebuilt the MSME lending workflow on top of data. No branch tours, no paper forests, no guesswork, just a clean four-step journey from application to capital in your account.
2-minute online form. Or drop into one of our 316 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.
Instead of asking for years of audited accounts, GRO Score reads the data your business already generates, GST filings, bank transactions, repayment history, and turns it into a decision in minutes.
Patented in India. Now on its third version, GRO Score 3.0.
We don't lend blindly. Our proprietary GRO Score 3.0 underwriting models are built on deep, sector-specific data across nine high-growth verticals of the Indian economy , 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
India By MSME is our belief that the country's 79 million small businesses deserve the same credit access as anyone else. India By MSME Conversations is our video series where we talk to the people building that credit gap shut, one business, one banker, one policy at a time.
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Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
Co-lending partner of UGRO Capital.
We provide a wide range of small business loans, from Loan Against Property to Machinery Loans, tailored to meet every need of every MSME.
You can reach us by calling our Customer Care Helpline at 1800-202-8476, or visit any of our branches for assistance.
Our headquarters are in Mumbai, Maharashtra (Kurla), with 316 branches across 17 states.
Our team is available Monday to Friday, 9:30 AM to 6 PM.
NBFCs offer faster processing, more flexible loan options, minimal paperwork, and financial solutions tailored to MSMEs, compared to traditional banks.
