Business Responsibility and Sustainability Report for the Financial Year 2025-26

Ugro Capital Ltd has submitted its BRSR for FY 2025-26 as required under SEBI Listing Regulations. The company is an NBFC serving MSMEs with 317 branches across 15 states, generating Rs. 1,766.24 Crores in turnover. The company employed 2,096 people (8.3% female) with 100% coverage under health and accident insurance. Key material issues identified include financial inclusion opportunity (Rs. 40 lakh Cr MSME credit gap), climate change opportunity through green lending, and data security risk. Environmental metrics show 3,851.88 GJ total energy consumption (234.74 GJ from renewables) and 25,642 KL water consumption. The company invested 86.29% of total investments in related parties. Customer complaints stood at 477 with 5 pending resolution, while 2 sexual harassment complaints were filed and disposed. No fines or penalties were imposed by regulators. CSR spending was voluntary at Rs. 3.95 lakh despite no mandatory requirement.