Ugro Capital Limited has informed the Exchange about Investor Presentation
UGROCAP · price
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Ugro Capital reported a record quarter with AUM growing 33% YoY to INR 12,003 Cr and Q4 net disbursements rising 57% YoY to INR 2,436 Cr. FY25 PAT grew 21% to INR 143.9 Cr while Q4 PAT rose 24% to INR 40.5 Cr. Asset quality was broadly stable with GNPA at 2.3% (vs 2.0% YoY) and collection efficiency at 95%, though credit costs are rising. The Emerging Market channel expanded to 212 branches (up from 127) with plans to reach 400 by March 2026 and grow its AUM mix from 22% to 32-35% over the next 4-6 quarters. The embedded finance platform (MSL) reached INR 743 Cr AUM with regulatory approval for the acquisition still pending. Cost of borrowings improved to 10.61% from 10.70% YoY.
Stockholders see a positive growth story with rising AUM and profits, tempered by margin compression (NIM fell 269 bps to 13.7% for FY25) and guidance of further credit cost increases in the EM segment. Forward guidance signals near-term margin pressure from rising credit costs and pricing competition in secured loans, though the company is investing aggressively in branch expansion.