DataTech NBFC’s AUM of INR 12,003 crore reflects a 33% year-on-year growth.
MUMBAI, Apr26 (The CONNECT)- UGRO Capital, a leading DataTech NBFC focused on MSME lending, today reported Assets Under Management (AUM) of INR 12,003 crore as of March 31, 2025, reflecting a 33% year-on-year growth.
UGRO Capital recorded its highest-ever quarterly loan origination of INR 2,436 crore, compared to INR 1,554 crore in the same quarter last year — a growth of 57% YoY and 16% QoQ.
Its Emerging Market LAP (formerly the Micro Enterprises business) also witnessed strong performance, with disbursements reaching INR 669 crore for Q4’FY25, up from INR 203 crore for Q4’FY24, marking a 230% YoY and 23% QoQ increase.
UGRO’s embedded finance platform, MSL, continued its upward trajectory, crossing an AUM of INR 700 crore as on March 31, 2025. This reflects strong traction and reaffirms UGRO Capital’s commitment to empowering small businesses.
This growth is attributed to increased net loan originations, the opening of 85 new branches under the Emerging Market segment in FY25, the continued expansion of the Embedded Finance business, and a robust data-driven underwriting model, all of which have enabled disbursements of INR 7,651 crore in FY25.
In terms of financials, Total Income for FY25 stood at INR 1,442 Cr (up 33% YoY), with FY24 reporting INR 1,082 Cr (up 58% from FY23). Additionally, the Company reported a Profit After Tax (PAT) of INR 144 Cr for FY25, marking 21% YoY growth. For Q4’FY25, PAT was reported at INR 41 Cr, indicating 24% YoY growth.
On the liability side, UGRO Capital mobilized its highest-ever debt of INR 1,500+ crore during Q4’FY25, bringing its total debt to INR 6,904 crore as of 31st March 2025. These robust quarterly figures, along with GNPA/NNPA metrics of 2.3%/1.6% on the total AUM, underscore the sterling quality of UGRO’s portfolio, highlighting a well-structured risk management approach.
UGRO Capital’s distinctive co-lending approach, off-book accounts for 42% of AUM, and its strategic partnership with 17 Co-lending partners, 59 lenders, over 10 green anchors, and 730+ GRO partners, facilitates data-driven, tailored financial solutions for more than 150,000 MSMEs across India.
Shachindra Nath, Founder and Managing Director of UGRO Capital, said, the FY25 performance underscores the strength the company’s DataTech-driven business model and the progress we have made in reaching underserved MSME segments.
“Our diversified liability mix, and industry-leading collection efficiency demonstrate the resilience and scalability of our risk-management framework,” he added.
UGRO Capital Limited is a DataTech Lending platform, listed on NSE and BSE, pursuing its mission of “Solving the Unsolved” for the small business credit gap in India, on the back of its formidable distribution reach and its Data-tech approach.
