Ugro Capital Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| 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 |
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 | |
|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - Allotment of Commercial Papers
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 - 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 - Ugro Capital Limited has informed the Exchange about Amalgamation/Merger
2026-08-17 - Allotment of Commercial Paper
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 - Ugro Capital Limited has informed the Exchange about receipt of the certified copy of NCLT Order dated 6th August 2026
2026-08-12 - Ugro Capital Limited has informed the Exchange about Transcript
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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