An engine that reads MSME cash flow.
GRO Score combines GST returns, banking behaviour, bureau signals and 180+ sub-sector benchmarks into a single underwriting decision — in minutes, not weeks.
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 and decides in minutes.
The model is trained on millions of data points from 180+ MSME sub-sectors, so it understands the cash-flow patterns, seasonality, and risk profile of your specific industry — not a generic template.
Four data streams. One credit decision.
Revenue patterns & invoice flows
Real-time GST return analysis reveals true revenue, seasonal patterns, customer concentration and payment cycles — without asking for a single bank statement.
12-month cash flow analysis
Current account analysis covering inflow/outflow patterns, EMI obligations, cheque returns and utilisation behaviour over 12 months.
Commercial + retail bureau
Both business and personal credit bureau data, weighted by sector-specific repayment norms and business vintage.
180+ sub-sector benchmarks
Every decision is benchmarked against peers in the same sub-sector — understanding what "good" looks like for a kirana versus a CNC workshop.