Mumbai: UGRO Capital Limited, India’s pioneering DataTech NBFC, has unveiled its latest UGRO Social Impact Report, detailing how its digital-first lending model has empowered 135,000+ MSMEs across the country through inclusive, responsible, and sustainable financing.
The 2025 edition, developed in collaboration with Dun & Bradstreet India, highlights UGRO’s exponential growth – from a customer base of 23,000 in March 2022 to over 135,000 by January 2025.
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During this period, UGRO’s Assets Under Management (AUM) nearly quadrupled from ₹2,932 crore to ₹11,067 crore, demonstrating the transformative potential of data-driven lending for India’s underserved business sector.
Key Highlights from the UGRO Social Impact Report:
- 78% of borrowers are first-time entrepreneurs.
- 61% are accessing formal credit for the first time.
- 74% of the active portfolio includes women-led enterprises; 9% are fully women-owned businesses.
- ₹642 crore disbursed to 3,369 green-sector MSMEs, including clean energy, sustainable manufacturing, and WASH sectors.
- 42% of borrowers reported investment in ESG initiatives, including waste and energy efficiency.
- AUM in Tier 3+ geographies surged from ₹1,144 crore to ₹2,596 crore.
The UGRO Social Impact Report further outlines the company’s alignment with 11 UN Sustainable Development Goals (SDGs), including clean energy, gender equality, climate action, and inclusive economic growth.
The UGRO Social Impact Report integrates insights from interviews conducted across 200+ branches and digital platform analytics, ensuring a data-rich and people-centric representation of UGRO’s impact.
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“This report is not just about numbers—it reflects our purpose,” said Shachindra Nath, Founder & Managing Director of UGRO Capital. “MSMEs form the backbone of our economy, and 75% still rely on informal credit. Through data-led innovation and our #BharosaMSMEpar campaign, we are inviting every Indian to back MSMEs with trust and action.”
“Our ESG-based lending model drives inclusive growth,” added Irem Sayeed, Chief Credit Officer. “From women-led enterprises to clean-tech MSMEs, every disbursement becomes a catalyst for change. The 42% increase in women’s employment among our borrowers is proof that thoughtful credit can create real-world impact.”
UGRO Capital‘s #BharosaMSMEpar campaign accompanies the report’s release, inviting consumers, corporates, and policymakers to actively support India’s MSME sector – key to achieving the vision of a $5 trillion economy and Viksit Bharat @2047.
