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.
Businesses like yours typically get a decision in and sanctions of .
This is an illustrative estimate, not a loan offer or credit decision.
Get your actual GRO Score, apply nowPatented 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
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Small Business Credit
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.
UGRO Capital
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Amar Ujala – The Bonus
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NDTV PROFIT
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Zee Business
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Simple Hai! with Vivek Law
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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 offer small business loans in a few specific forms, Loan Against Property, Machinery Loans, and small-ticket business loans through GROx, each built around how a particular kind of MSME actually operates, not a single one-size-fits-all product.
You can reach us by calling our Customer Care Helpline at 1800-202-8476, or visit any of our branches for assistance.
UGRO Capital is headquartered in Kurla, Mumbai, Maharashtra, with 300+ branches across 17 states. Use our branch locator to find the UGRO Capital branch nearest to you.
Our team is available Monday to Friday, 9:30 AM to 6 PM.
Traditional banks typically ask small businesses for three years of audited financials, collateral, and a long credit history, requirements many otherwise-healthy MSMEs can't meet. NBFCs like UGRO judge a business by what it actually does: its GST filings, bank transactions, and day-to-day cash flow. That usually means faster decisions and financing, such as Loan Against Property or Machinery Loans, built around how the business runs, not just its paperwork.
