What the business is, and whether it's a good one at a fair price.
Lends to small and emerging businesses in India, primarily through two focus areas: small-ticket secured loans against property distributed through a 317-branch network across 13 states (EM-LAP), and embedded merchant financing via the MyShubhLife platform. As of Q4 FY26, total assets under management stood at ₹15,334 crore, with the two focus verticals together forming 38% of AUM and an older Prime Intermediated book being run down at 15-20% annually. Revenue comes mainly from interest on the loan book — Q4 FY26 interest income was ₹415 crore — plus co-lending and direct-assignment income of ₹155 crore in the same quarter. The biggest input cost is interest on borrowings, which has fallen 45 bps year-on-year; employee costs run at 15.3% of revenue and other operating expenses at 12.2%. The Profectus Capital acquisition was consolidated from 8 December 2025, and an amalgamation scheme has been filed with NCLT Mumbai. Reported asset quality: gross NPA 2.5%, net NPA 1.6%, collection efficiency 98%.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from UGRO CAPITAL LIMITED's filed financials and exchange disclosures
UGRO CAPITAL LIMITED is a Finance company listed on NSE and BSE, trading under the symbol UGROCAP.
Not in the latest reported year — UGRO CAPITAL LIMITED's dividend payout for FY26 was nil.
Effectively yes. It holds ₹1,378 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, UGRO CAPITAL LIMITED ranks 43 of 212 in Non Banking Financial Company (NBFC) — cheaper than 80% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session UGRO CAPITAL LIMITED moves 1.10% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by UGRO CAPITAL LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
