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
"UGRO didn't ask me for three years of audited books. They looked at my GST and gave me a decision in two days."
"First time a lender treated my shop like a real business. The branch team spoke Gujarati and made the form easy."
"Bought a second milling machine and doubled output in eight months. The machinery loan was built around my production cycle."
