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Consolidated Quarterly Results (in ₹ Crores)
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Standalone Profit Loss (in ₹ Crores)
Standalone Balance Sheet (in ₹ Crores)
Standalone Cash Flows (in ₹ Crores)
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Q3 FY26
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Q2 FY26
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Q3 FY25
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Frequently Asked Questions about Ugro Capital Ltd
Ugro Capital Ltd (UGROCAP) is currently trading at 105.10 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 ₹101.05 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 1,606.46. 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 12.95 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,606.46 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 Finance 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 12.95. 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.
Elara Capital has set a target price of ₹226 for UGRO Capital, implying a potential upside of 66% from its February 9, 2026 price.
In Q3 FY26, UGRO Capital's Assets Under Management (AUM) grew by 40% YoY to ₹15,454 crore, net profit rose by 23% YoY to ₹46.3 crore, and total income increased by 32% YoY to ₹506.4 crore.


