Embedded Finance
Sell more on the platforms you already use.
Credit embedded into the marketplaces, distributors and SaaS your merchants run on.
- ▸Platform-native journey
- ▸Decision in minutes
- ▸Loan up to ₹50 L
Capital that powers Bharat's small enterprises.
UGRO Capital is India's MSME growth partner, combining deep sector intelligence and DataTech underwriting to unlock institutional credit for Bharat's entrepreneurs.
AUM
₹15,334 Cr
+28% YoY
MSMEs served
2,00,000+
Across Bharat
Approval
< 72 hrs
Data-led
Branches
300+
Pan India
₹15,334 Cr AUM✦
+28% YoY growth✦
₹2,137 Cr disbursed in Q4'FY26✦
Embedded · Emerging · Machinery✦
BSE · NSE listed✦
RBI Systemically Important NBFC✦
₹15,334 Cr AUM✦
+28% YoY growth✦
₹2,137 Cr disbursed in Q4'FY26✦
Embedded · Emerging · Machinery✦
BSE · NSE listed✦
RBI Systemically Important NBFC✦
India isn't built by corporations.
It's built by MSMEs.
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 ₹130 Lakh Cr 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.
₹130 L Cr+
MSME credit gap
8
Focus sectors
180+
Sub-sectors
Three businesses. One MSME-first underwriting engine.
All products →
Loan Against Property
Unlock the value of your property to fuel your business.
A Loan Against Property lets businesses raise funds by pledging residential, commercial, or industrial property.
- ▸Loan up to ₹5 Cr
- ▸Tenure up to 180 months
- ▸Door-step service
Machinery & Equipment
Capex financing built around production cycles.
Asset-backed loans for plant, machinery and equipment — flexible LTV and tenure tuned to manufacturing MSMEs.
- ▸Loan up to ₹3 Cr
- ▸Tenure up to 60 months
- ▸New & used assets
From application to disbursal — in days, not months.
We rebuilt the MSME lending workflow on top of data. No branch tours, no paper forests — just a clean four-step journey.
01
Apply
2-minute online form. Or drop into one of our 300+ branches.
02
Assess
GRO Score reads GST, bank flows and bureau data in real time.
03
Approve
Sanction inside 72 hours for most MSME profiles.
04
Disburse
Money in your account — straight into the business.
An underwriting engine that actually reads your 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 →
GRO
Score · sample
Approved
748
/ 900 · low risk
GST
Real-time GST returns & invoice flows
Bank
12-month current account behaviour
Bureau
Commercial + retail bureau signals
Sector
Sub-sector benchmarks across 180+ trades
Focus
sectors.
Our GRO Score underwriting models are built on deep, sector-specific data across eight high-growth verticals — each broken into 180+ sub-sectors.
SEC_01
Healthcare
SEC_02
Education
SEC_03
Chemicals
SEC_04
Food Processing
SEC_05
Light Engineering
SEC_06
Hospitality
SEC_07
Electrical Equipment
SEC_08
Auto Components
A publicly listed NBFC. Built on disciplined growth.
AUM
₹15,334 Cr
+28% YoY
MSMEs served
2,00,000+
Across Bharat
Branches
300+
Pan-India
Co-lending partners
15+
Banks & NBFCs
RBI Registered NBFC·Systemically Important
ND-NBFC·BSE: 511742·NSE:
UGROCAP
Real Bharat. Real businesses.
Textile
"UGRO didn't ask me for three years of audited books. They looked at my GST and gave me a decision in two days."
Sunita Devi
Textile workshop · Lucknow
Retail
"First time a lender treated my shop like a real business. The branch team spoke Gujarati and made the form easy."
Ramesh Bhai
Kirana retailer · Ahmedabad
Light Engineering
"Bought a second milling machine and doubled output in eight months. The machinery loan was built around my production cycle."
Arvind Kumar
CNC workshop · Pune