Every loan we
make is meant to
change something.
Independently assessed with Dun & Bradstreet, based on a survey of 508 businesses we've funded.
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8 in 10 businesses we fund grow their revenue afterward.
88% of surveyed borrowers reported revenue growth.
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Over 13,000 new jobs created by businesses after taking a UGRO loan, 3,000+ of them for women.
13,446 jobs added, 3,042 for women, per the impact survey.
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9% of our borrowers are women entrepreneurs, and most of them own or co-own the business, not just work in it.
76% of female borrowers are owners or co-owners.
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Over 3,300 businesses funded in clean energy, water and waste management, totalling ₹642 crore.
Climate-sector lending as of December 2024.
For analysts and researchers
Technical ESG framework details
- Emissions reporting
- UGRO voluntarily reports Scope 1, 2 and 3 emissions under the PCAF (Partnership for Carbon Accounting Financials) framework.
- UN Sustainable Development Goals
- The lending portfolio is mapped to 11 of the UN's 17 Sustainable Development Goals.
- Governance structure
- An ESG Committee reports to the Risk Management Committee, which in turn reports to the Board of Directors.
- Exclusion list
- Every loan is screened against an exclusion list for high-risk sectors: weapons, tobacco, child or forced labour, and radioactive materials.
Questions people usually ask us.
What services or products do you offer?
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.
How can I contact your customer support team?
You can reach us by calling our Customer Care Helpline at 1800-202-8476, or visit any of our branches for assistance.
Where are you located?
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.
What are your hours of operation?
Our team is available Monday to Friday, 9:30 AM to 6 PM.
Why choose an NBFC over a traditional bank for an MSME loan?
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.