UGRO Capital Limited
A listed MSME lender offering secured and business loans, including loans against property, embedded finance and machinery finance.
UGRO Capital Limited at a glance
| Address | Unit No. B-17, 4th Floor, Art Guild House, Phoenix Market City Mall, LBS Marg, Kurla (W), Maharashtra - 400070 |
|---|---|
| Programmes | 5 standing programmes |
| Official website | www.ugrocapital.com |
| customercare@ugrocapital.com |
Programs UGRO Capital Limited supports
Programs this organisation funds, run by others. · 1 open now · 0 past
Programmes they run
Standing programmes at UGRO Capital Limited, separate from the funding calls above.
A secured business loan where you pledge a property you own.
What you get, who can apply and how to applyHide details
A loan against property lets a business borrow against a property it owns, including residential, commercial, industrial and plot property. The funds must be used for business purposes only.
How to apply: click Apply Now on the product page, enter your contact details, then your PAN and other details.
Unsecured working-capital credit for merchants, offered inside partner platforms.
What you get, who can apply and how to applyHide details
Embedded financing gives merchants short-term working-capital loans, with credit based on live transaction data. The loans are unsecured.
How to apply: apply through the merchant app of a partner platform.
Finance to buy or upgrade machinery without tying up working capital.
What you get, who can apply and how to applyHide details
This loan covers machinery and equipment for MSMEs, including machine tools, printing, packaging and light engineering equipment. The page says no additional collateral is required.
How to apply: click Apply Now on the product page, or visit a UGRO branch.
A cash-flow loan offered through the GeM Sahay platform.
What you get, who can apply and how to applyHide details
UGRO Capital is listed as a lender on the GeM Sahay platform. The offer is accepted on the platform.
A COVID-era guaranteed emergency credit line. Closed to new loans.
What you get, who can apply and how to applyHide details
ECLGS was a government-backed emergency credit line for MSMEs during COVID-19. UGRO's page describes the scheme window as closed, so this is listed as past activity only.
How to apply to UGRO Capital Limited
Choosing the right product
- Loan against property: for a business that owns a residential, commercial, industrial or plot property it can pledge.
- Embedded financing: for a merchant that sells through a partner platform and wants working-capital credit based on sales data.
- Machinery and equipment finance: for buying or upgrading machines without using up the working-capital line.
- GeM Sahay: for a business that already uses the GeM Sahay platform.
How to apply
- Each product page has an Apply Now form that asks for contact details, then PAN and business details.
- Applications are verified after submission. Expect a KYC step covering the business and its owners.
- Customer queries can go to customercare@ugrocapital.com.
About UGRO Capital Limited
UGRO Capital Limited is a lender to small and medium businesses in India. It is listed on the NSE and BSE and describes itself as a DataTech NBFC, meaning it underwrites loans mainly from banking, credit bureau and GST data. Its corporate office is at Kurla (W), Maharashtra.
How its products work
UGRO offers loans, not grants or equity. Its published products are a loan against a business property, embedded working-capital credit for merchants on partner platforms, and finance for machinery and equipment. It also lends through the GeM Sahay platform. A COVID-era guaranteed credit line, the Emergency Credit Line Guarantee Scheme, is also described on its site, but the page states that scheme window has closed.
Who can apply
The products are aimed at micro, small and medium businesses. The loan against property needs a property the business can pledge. Embedded financing is unsecured and is based on transaction and bank data. The founder should check the eligibility on the product's own page before applying.
Scale
UGRO's website gives its current figures as of June 2026: 317 branches and over 400,000 customers. Older text on the same site gives different counts, so treat the branch and customer numbers as approximate.
Locations
The corporate office is at Phoenix Market City, Kurla (W), Mumbai.
Get in touch
Send a message to UGRO Capital Limited — we'll forward it on your behalf.
Frequently asked questions about UGRO Capital Limited
What is UGRO Capital Limited?
UGRO Capital Limited is a corporate based in Mumbai, Maharashtra.
What does UGRO Capital Limited do?
UGRO Capital Limited is a lender to small and medium businesses in India. It is listed on the NSE and BSE and describes itself as a DataTech NBFC, meaning it underwrites loans mainly from banking, credit bureau and GST data. Its corporate office is at Kurla (W), Maharashtra. UGRO offers loans, not grants or equity.
Where is UGRO Capital Limited located?
UGRO Capital Limited is located at Unit No. B-17, 4th Floor, Art Guild House, Phoenix Market City Mall, LBS Marg, Kurla (W), Maharashtra - 400070.
What programs does UGRO Capital Limited run?
UGRO Capital Limited runs Loan Against Property, Embedded Financing, Machinery & Equipment Finance and GeM Sahay Cash Flow Lending, among others.
How do I apply to UGRO Capital Limited?
- Loan against property: for a business that owns a residential, commercial, industrial or plot property it can pledge. - Embedded financing: for a merchant that sells through a partner platform and wants working-capital credit based on sales data. - Machinery and equipment finance: for buying or upgrading machines without using up the working-capital line.
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