UGRO Capital Q1 FY27: GROx disburses Rs 1,853 Cr, PAT Rs 67.9 Cr
UGROCAP · price
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UGRO Capital reported Q1 FY27 results. GROx embedded lending disbursed Rs 1,853 crore with 60,000 plus monthly loans and 3.4 lakh active customers; GROx AUM rose 32% QoQ to Rs 3,003 crore. Total AUM up 24% YoY to Rs 15,013 crore. PBT rose 28% YoY to Rs 61.5 crore; PAT Rs 67.9 crore (includes one-time deferred tax benefit). ROA improved to 2.8%, ROE to 9.2%. GNPA stable at 2.6%, CRAR 21%. July 2026 saw record monthly disbursements over Rs 1,000 crore. Strategic shift away from Prime lending is delivering higher-yield focused businesses, now 46% of AUM, targeting 85% by FY29.
Strong execution with growth and profitability improving; portfolio shifting to higher-yield businesses; FY29 ROA target of 3-3.5% on track, no further equity needed.