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Bearish
8
Neutral
2
Bullish
4
Bearish
20
Neutral
2
Bullish
24
Bearish
12
Neutral
0
Bullish
20
Discovery themes featuring this stock
UGRO Capital Limited is a systemically important NBFC-ND-SI focused on MSME lending, operating a hybrid model of 340 branches and digital platforms to provide secured business loans, machinery finance, embedded merchant lending (MyShubhLife), school finance and supply chain finance, using proprietary underwriting tools (GRO Score) and a mix of on-book and off-book structures to serve small businesses across India.
UGRO reported consolidated AUM of INR15,454 crore as of Dec 2025, a 40% year‑on‑year increase, with Q3 net profit of INR46 crore (+23% YoY) and portfolio yield of 17.2%; however, ROA/ROE compressed modestly due to higher leverage and transitional income mix while cost-to-income rose as the firm executes strategic realignment.
Management has announced a clear strategic realignment to prioritise two core growth engines—emerging market small-ticket Loan Against Property (LAP) and embedded merchant financing—while allowing lower‑yield, intermediated segments to run down, with a stated INR220 crore annualized cost rationalization program already ~50% executed to improve annuity income quality and capital accretion.
UGRO’s funding and governance profile is institutionally backed with large stakes held by IFU, TPG, Samena and ADV Partners, diversified lender relationships across public and private banks, DFIs and NBFCs, and an off‑book AUM share of 36% that management is calibrating to favour more on‑book, annuity-style interest income to strengthen capital efficiency.
Portfolio quality metrics remain stable for a high-growth NBFC: GNPA 2.2%, NNPA 1.4%, collection efficiency 99% in Q3, and Stage 1 assets at 94%; UGRO emphasises credit discipline, ESG screening through an ESMS and tailored underwriting to manage MSME idiosyncratic risks while scaling origination.
Finance
Non Banking Financial Company (NBFC)
1,738 Cr
High Risk
14.1
19.3
0.2
0.5
195.89
80.00
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stockUgro Capital Ltd (UGROCAP) is currently trading at 112.66 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
UGRO Capital Limited is a systemically important NBFC-ND-SI focused on MSME lending, operating a hybrid model of 340 branches and digital platforms to provide secured business loans, machinery finance, embedded merchant lending (MyShubhLife), school finance and supply chain finance, using proprietary underwriting tools (GRO Score) and a mix of on-book and off-book structures to serve small businesses across India. UGRO reported consolidated AUM of INR15,454 crore as of Dec 2025, a 40% year‑on‑year increase, with Q3 net profit of INR46 crore (+23% YoY) and portfolio yield of 17.2%; however, ROA/ROE compressed modestly due to higher leverage and transitional income mix while cost-to-income rose as the firm executes strategic realignment. Management has announced a clear strategic realignment to prioritise two core growth engines—emerging market small-ticket Loan Against Property (LAP) and embedded merchant financing—while allowing lower‑yield, intermediated segments to run down, with a stated INR220 crore annualized cost rationalization program already ~50% executed to improve annuity income quality and capital accretion. UGRO’s funding and governance profile is institutionally backed with large stakes held by IFU, TPG, Samena and ADV Partners, diversified lender relationships across public and private banks, DFIs and NBFCs, and an off‑book AUM share of 36% that management is calibrating to favour more on‑book, annuity-style interest income to strengthen capital efficiency. Portfolio quality metrics remain stable for a high-growth NBFC: GNPA 2.2%, NNPA 1.4%, collection efficiency 99% in Q3, and Stage 1 assets at 94%; UGRO emphasises credit discipline, ESG screening through an ESMS and tailored underwriting to manage MSME idiosyncratic risks while scaling origination.
Over the past 52 weeks, Ugro Capital Ltd has traded between a low of ₹80.00 and a high of ₹195.89. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Ugro Capital Ltd has a market capitalization of approximately 1,738.14. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Ugro Capital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 14.06 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,738.14 Cr, Ugro Capital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Ugro Capital Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Ugro Capital Ltd is 14.06. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Ugro Capital said its Board of Directors will meet on April 20, 2026 to consider and approve audited financial results for the year ended March 31, 2026.
UGRO Capital said its Board of Directors will meet on April 20, 2026 to consider and approve the audited financial results for FY26.
UGRO Capital’s earnings conference call is scheduled for Tuesday, April 21, 2026 at 04:00 PM IST.
AUM was ₹12,226 crore (up 20% YoY), total income ₹461 crore (up 35% YoY), and PAT ₹43.3 crore (up 27% QoQ and 22% YoY).
Investor Presentation
UGRO Capital's Q4/FY26 investor presentation details execution of the Feb‑2026 strategic realignment: focus-vertical AUM rose to 38%, CAR improved to 21.2%, INR 200–220 Cr annualized cost savings, Q4 ROA/ROE 2.1%/7.1% (ex-exit 2.8%/9.6%); all five targets on track.
Board Meeting Outcome
Board approved audited consolidated and standalone FY2025-26 results with unmodified auditor opinion; noted completion of current auditor's tenure and recommended G.P. Kapadia & Co. as new statutory auditor; approved up to Rs3,000 crore NCD issuance on private placement; recommended re-appointment of MD Shachindra Nath and ESOP for subsidiary employees; 33rd AGM to be held on 29 May 2026.
Board Meeting Outcome
Board approved audited consolidated and standalone results for year ended 31 Mar 2026 with unmodified opinion; noted completion of M/s Sharp & Tannan's tenure and recommended M/s G.P. Kapadia & Co. as statutory auditors from 33rd AGM; authorised private placement of NCDs up to ₹3,000 crore; recommended re-appointment of MD; proposed ESOP for subsidiary employees; 33rd AGM to be held on 29 May 2026.
Board Meeting Outcome
Board approved audited consolidated & standalone FY2025-26 results with unmodified audit opinion; recommended re-appointment of Mr. Shachindra Nath as VC & MD (22 Jun 2026–21 Jun 2031) for shareholder approval; appointed new auditors subject to AGM; approved issuance of NCDs up to Rs 3,000 crore; recommended ESOP for subsidiary employees; AGM set for 29 May 2026.
Board Meeting Outcomes
Board approved audited consolidated & standalone FY26 results with unmodified opinion; recommended re‑appointment of Mr. Shachindra Nath as Vice Chairman & MD (22 Jun 2026–21 Jun 2031) subject to shareholder approval; approved appointment of G.P. Kapadia & Co.; authorised private placement of NCDs up to Rs3,000 crore; AGM fixed for 29 May 2026.
Board Meeting Outcome
Board approved audited consolidated and standalone financial results for the quarter and year ended March 31, 2026 with an unmodified auditor opinion; recommended MD re‑appointment; proposed new statutory auditor; authorised private placement of NCDs up to Rs 3,000 crore; recommended subsidiary ESOPs; AGM set for May 29, 2026.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
99.81 | 2,016 Cr | 101.73 | 6.34 | 0.00 | 5.88 | 10.39 | 1.55 | ||
112.14 | 1,738 Cr | 14.06 | 0.51 | 0.00 | 6.31 | 9.39 | 1.15 | ||
332.00 | 1,707 Cr | -12.88 | 3.19 | 0.00 | 0.00 | 0.00 | — | ||
68.87 | 1,627 Cr | 11.83 | 1.20 | 5.87 | 12.62 | 24.00 | 7.91 | ||
31.18 | 1,614 Cr | 346.44 | 1.86 | 0.00 | 0.51 | 0.12 | 0.14 | ||
1539.90 | 1,593 Cr | 57.20 | 1.83 | 0.00 | -0.12 | 10.77 | 1.32 | ||
18.58 | 1,569 Cr | -20674.81 | 11.21 | 0.00 | -0.55 | -0.78 | -0.19 | ||
| Median: 7 Co. | — | 99.81 | 1,627 Cr | 14.06 | 1.86 | 0.00 | 0.51 | 9.39 | 1.24 |
