Annual Report for the Financial Year 2025-26
UGROCAP · price
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UGRO Capital has released its FY26 Annual Report. The NBFC focused on MSME lending reported consolidated AUM of ₹15,334 crore (up 28% YoY) with ~3,21,000 active borrowers across 317 Emerging Market branches in 13 states. Key financials include Total Income of ₹2,021 crore (up 40%), Net Total Income of ₹1,067 crore (up 31%), and Profit After Tax of ₹175 crore (up 21%). The company undertook a strategic portfolio realignment, exiting intermediated lending segments to focus on Emerging Market LAP and Embedded Merchant Finance (serving ~2.5 lakh merchants). Capital adequacy remains strong at 21.17% with net worth of ₹2,906 crore and leverage of 3.7x. GNPA was maintained within 2.0-2.5% range. The 33rd AGM is scheduled for 29th May 2026 via video conferencing with e-voting from 26th to 28th May 2026.
The annual report confirms strong financial performance with strategic repositioning toward higher-yield, capital-efficient MSME lending segments. Shareholders can expect continued focus on secured lending, proprietary GRO Score underwriting, and operating leverage as branch network matures.