Ugro Capital Ltd.

•

ugrocapital.comBSE: 511742NSE: UGROCAP

Market Cap₹ 1,301 Cr.

Current Price

High / Low₹ 192 / 80

Stock P/E7.4

Book Value₹ 191

Price to Book0.43

Dividend Yield0.00 %

ROCE8.8 %

ROE6.0 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 21.2%
Asset quality is healthy - gross NPA of just 0.0%

CONS

Net NPA is elevated at 2.2% - provisioning cushion is thin
A large part of profit comes from other income (34.6% of PBT)
Thin net interest margin of 0.0%
Company's return on assets is weak at 1.2%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	28248.40	1330.84	86716.02	1244.41	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	UGROCAP	83.78	7.44	1301.01	0.00	678.69	—	4969.44	—	8.75	65.64

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2026	Jun 2026
	607	497
	248	473
Operating Profit	359	326
OPM %	59.15%	65.64%
Other Income	25	38
Interest	284	289
Depreciation	29	13
	71	62
Tax %	28.27%	-10.29%
Net Profit	51	68
	3	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2026
	1,937
	753
Operating Profit	1,184
OPM %	61.12%
	84
Interest	954
Depreciation	70
Profit before Tax	244
Tax %	28.21%
Net Profit	175
EPS	11.44
Dividend Payout %	0.00%

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: -6%
3 Years:: -33%
1 Year:: -54%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: —
Last Year:: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2026
Equity Capital	153
	2,740
	10,867
Trade Payables	45
	367
Total Liabilities	14,171
	512
	737
Cash & Bank	1,789
	11,133
Total Assets	14,171

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2026
	214
Cash from Investing	-1,964
Cash from Financing	2,751
	1,000

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2.23	2.23	2.23	2.23	2.25	2.24	1.70	1.99	2.88
	20.27	20.44	24.70	27.25	29.32	28.99	22.83	22.34	5.45
	2.55	2.76	2.40	1.85	1.62	1.59	1.37	1.23	1.39
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	74.94	74.58	70.68	68.67	66.81	67.18	74.09	74.44	90.28

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09

Allotment of Securities

2026-09-09 - Allotment of Commercial Papers

2026-08-28

Allotment of Securities

2026-08-28 - Ugro Capital Limited has informed the Exchange regarding allotment of 38000 securities pursuant to Non Convertible Securities at its meeting held on August 28, 2026

2026-08-19

Amalgamation/Merger

2026-08-19 - Ugro Capital Limited has informed the Exchange about publication of notices of the meetings of equity shareholders and secured creditors and unsecured creditors in the newspaper

2026-08-18

Amalgamation/Merger

2026-08-18 - Ugro Capital Limited has informed the Exchange about Amalgamation/Merger

2026-08-17

Allotment of Securities

2026-08-17 - Allotment of Commercial Paper

2026-08-14

Amalgamation/Merger

2026-08-14 - Dispatch of notices for convening separate meetings of Equity Shareholders, Secured Creditors (including Secured Non-Convertible Debentures) and Unsecured Creditors (including Unsecured Non-Convertible Debentures) of the Company in connection with the Scheme of Amalgamation pursuant to the NCLT Order dated 6th August 2026.

2026-08-12

Amalgamation/Merger

2026-08-12 - Ugro Capital Limited has informed the Exchange about receipt of the certified copy of NCLT Order dated 6th August 2026

2026-08-12

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-12 - Ugro Capital Limited has informed the Exchange about Transcript

2026-08-07

Amalgamation/Merger

2026-08-07 - Disclosure under Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements), Regulations, 2015 ( Listing Regulations ) intimating NCLT order dated 06th August 2026 directing the meeting of Equity Shareholders, Secured Creditors and Unsecured Creditors of the Company in connection with the Scheme of Amalgamation.

News

Recent coverage and analyst commentary for UGROCAP

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Ugro Capital Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

28248.40

1330.84

86716.02

1244.41

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

UGROCAP

83.78

7.44

1301.01

0.00

678.69

—

4969.44

—

8.75

65.64

Mar 2026

Jun 2026

607

497

248

473

Operating Profit

359

326

OPM %

59.15%

65.64%

Other Income

Interest

284

289

Depreciation

Tax %

28.27%

-10.29%

Net Profit

Mar 2026

1,937

753

Operating Profit

1,184

OPM %

61.12%

Interest

954

Depreciation

Profit before Tax

244

Tax %

28.21%

Net Profit

175

EPS

11.44

Dividend Payout %

0.00%

Mar 2026

Equity Capital

153

2,740

10,867

Trade Payables

367

Total Liabilities

14,171

512

737

Cash & Bank

1,789

11,133

Total Assets

14,171

Mar 2026

214

Cash from Investing

-1,964

Cash from Financing

2,751

1,000

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

2.23

2.25

2.24

1.70

1.99

2.88

20.27

20.44

24.70

27.25

29.32

28.99

22.83

22.34

5.45

2.55

2.76

2.40

1.85

1.62

1.59

1.37

1.23

1.39

Government

0.00

74.94

74.58

70.68

68.67

66.81

67.18

74.09

74.44

90.28

Ugro Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Ugro Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI