Ugro Capital Limited — PPTs, 12-08-2025: Investor Presentation

**1. Financial Highlights:**

UGRO Capital’s Assets Under Management (AUM) grew to 12,081 Cr (+31% YoY). Net Loans Originated reached 1,599 Cr. Profit After Tax (PAT) increased 12% YoY to 34.1 Cr, with Net Total Income at 216.5 Cr (+31% YoY). Asset quality remained stable, with Gross Non-Performing Assets (GNPA) at 2.5% and collection efficiency at 95%. Off-book AUM is substantial at 5,055 Cr, representing 42% of total.

**2. Strategic Initiatives & Growth Drivers:**

The company is expanding its Emerging Market (EM) branches to 286, aiming for a higher AUM mix in this segment. An equity fundraise of 1,300 Cr is in progress. The embedded finance platform (MSL) has gained significant momentum, crossing 1,000 Cr in AUM, and co-lending partnerships are active with 17 entities.

**3. Business Developments:**

UGRO Capital announced plans to acquire Profectus Capital for 1,400 Cr, pending regulatory approval. The acquisition of its embedded finance platform, MSL, is also proceeding as planned.

**4. Market Position & Competitive Advantage:**

UGRO Capital is strategically positioned to address India's large MSME credit gap. It leverages an AI/ML-driven GRO Score for data-based underwriting. With 309 branches across India, a capital-light co-lending model, and a diversified product suite, the company holds a strong competitive edge.

**5. Investor Implications:**

The consistent AUM expansion, coupled with strategic acquisitions and a tech-driven lending approach, indicates positive growth potential. Prudent asset quality management and ongoing capital raise efforts further enhance the company's financial stability for future expansion.