Ugro Capital Ltd (NSE:UGROCAP)

Q2 2026 Ugro Capital Ltd Earnings Call Transcript

Nov 10, 2025 / 10:30 AM GMT

Release Date Price: ₹174.1 (-1.61%)

Transcript

Key Points

Positve

Ugro Capital Ltd (BOM:511742) reported a 20% year-on-year increase in assets under management, reaching 12,226 crore.
The company achieved a 35% year-on-year growth in total income, amounting to 461 crores.
Ugro Capital Ltd successfully raised 535 crores of equity for the acquisition of Proctor's Capital, enhancing its asset base.
The company maintained a strong capital adequacy ratio of 25.4%, providing ample growth headroom.
The embedded financing through the acquisition of MyShop Life platform has shown strong traction, with assets under management reaching 1,270 crores within four quarters.

Negative

Ugro Capital Ltd has moderated disbursals to optimize liability requirements and borrowing costs, potentially impacting short-term growth.
The company has observed signs of overleverage in the small ticket MSE segment, leading to tightened underwriting standards.
There is a noted stress in the micro and small SMEs sector, prompting Ugro Capital Ltd to stop loans below 7.5 lakh ticket size.
The cost of borrowing remains relatively high at 10.37%, despite a 38 basis points improvement year-on-year.
The company faces uncertainties with new co-lending guidelines, affecting the pace of volume growth in this segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

UGRO.NS - Ugro Capital Ltd
Q2 2026 Ugro Capital Ltd Earnings Call
Nov 10, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Yo Capital Q2FY26 earnings conference call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that this conference is being recorded.

I now hand the conference over to Miss Shweta Dattaddar from Ellarra Capital.

Thank you and over to you, ma'am.

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Unidentified_2 [2]
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