Ugro Capital Limited, a technology-driven lender focused on providing loans to MSME businesses, announced its financial results for the fourth quarter of FY25 on Saturday, April 26, 2025.
In Ugro Capital Q4 results, the company reported a net profit of ₹40.5 crore. This reflects a year-on-year (YoY) increase of 24% from ₹32.7 crore recorded in the corresponding quarter of the previous fiscal year.
During the same quarter, Ugro Capital also posted a YoY growth of 39% in its interest income, which rose to ₹264.4 crore, up from ₹190.3 crore reported in Q4 FY24.
Additionally, the company noted a decline in its net profit margin to 9.83% in Q4 Ugro Capital results, down from the 9.89% net profit margin reported in the year-ago period.
Ugro Capital Ltd. Q4 Results Highlights
In this table, you will get an overview of Ugro Capital latest quarterly results:
| Q4 FY2024-25 | Q3 FY2024-25 | Q4 FY2023-24 | YoY Growth (%) | QoQ Growth (%) | |
| Total Income (₹ in crore) | ₹412.4 | ₹385 | ₹330.4 | 24.9% | 7.1% |
| Net profit (₹ in crore) | ₹40.5 | ₹37.5 | ₹32.7 | 23.9% | 8% |
| EPS (Diluted) | ₹4 | ₹3.8 | ₹3.5 | 14.3% | 5.3% |
Ugro Capital’s Financial Results Comparison With the Previous Year
Here is a table of annual data comparison of Ugro Capital Q4 2025 results:
| FY 2024-25 | FY 2023-24 | |
| Total Income (in crore) | ₹1,441.8 | 1,081.7 |
| Net profit (in crore) | ₹143.9 | ₹119.3 |
| EPS | ₹14.7 | ₹13.2 |
Updates Shared By Ugro Capital in Latest Financial Results
During the announcements of Ugro Capital Q4 results, the company’s management provided key updates:
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Resolutions Recommended for Shareholders’ Approval at the 32nd Annual General Meeting
As per the Ugro Capital latest results, these are some of the resolutions proposed for consideration and approval by the shareholders at the upcoming 32nd Annual General Meeting:
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- Increase in Limits for Property Transactions: Proposal to enhance the limits for selling, leasing, charging, and/or mortgaging the Company’s property from ₹12,000 crores to ₹16,500 crores, under section 180(1)(a) of the Companies Act, 2013.
- Issuance of Non-Convertible Debentures: Proposal to raise funds through the issuance of Non-Convertible Debentures up to ₹7,500 crores, as per section 71 of the Companies Act, 2013.
- Qualified Institutions Placement (QIP): Proposal to raise funds amounting to ₹500 crores through Qualified Institutions Placement (QIP), following applicable laws.
- Increase in Borrowing Limits: Proposal to raise the Company’s borrowing limits from ₹10,000 crores to ₹15,000 crores, as per section 180(1)(c) of the Companies Act, 2013.
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Fund Raising Through Public Issuance of Non-Convertible Debentures (NCDs)
During the year ended March 31, 2025, the Company successfully raised funds through the public issuance of Non-Convertible Debentures (NCDs) amounting to ₹200.00 crore, including a green shoe option of ₹100 crore. These NCDs were allotted on October 24, 2024.
Additionally, the Company raised further funds through another public issuance of NCDs for an amount up to ₹200 crore, including a green shoe option of ₹100 crore.
The Prospectus for this issue was filed with the Securities and Exchange Board of India (SEBI), BSE Limited, and the National Stock Exchange of India Limited on March 26, 2025. The issue opened for subscription on April 3, 2025, and closed on April 17, 2025. The NCDs were allotted on April 24, 2025.
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Approval for Issuance of Commercial Paper and Delegation of Powers
According to Ugro Capital Q4 2025 results, the issuance of Commercial Paper up to a limit of ₹500 crores has been approved, along with the delegation of authority to the Principal Officer(s) under section 179 of the Companies Act, 2013.
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Transfer of Loans Through Co-Lending Arrangements
For the financial year ending March 31, 2025, the Company has successfully transferred loans amounting to ₹1,701.3 crore to the participating banks and NBFCS under Co-Lending Arrangements.
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Fund Raising through Compulsory Convertible Debentures (CCDs) and Share Warrants
In June 2024, the Company successfully raised funds by issuing 97,70,757 Compulsory Convertible Debentures (CCDs) and 3,81,32,474 Share Warrants, each with a face value of ₹10 and an issue price of ₹264.
The total raised amount was ₹1,264.6 crore, with the allotment occurring in two tranches on June 06, 2024, and June 18, 2024. Both the CCDs and Share Warrants are convertible into one equity share within 18 months from the date of allotment.
The CCDs are unsecured and carry a 12% per annum coupon. For the Share Warrants, the company received 25% of the total consideration upfront, with the remaining 75% payable within 18 months for conversion.
During the year ended March 31, 2025, the Company allotted 37,878 equity shares upon the conversion of CCDs at a ratio of 1:1 and a conversion price of ₹264 each.
Additionally, 1,89,393 equity shares were allotted upon the exercise of Share Warrants, also at a ratio of 1:1 and a conversion price of ₹264 each.
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Acquisition of Datasigns Technologies Private Limited (DTPL)
During the year ended March 31, 2025, the Company’s Board of Directors and shareholders approved the acquisition of Datasigns Technologies Private Limited (“DTPL”), a leading Embedded Finance Fintech platform, for an enterprise value of ₹45 crore.
As per Ugro Capital Q4 results, the acquisition will be financed through a mix of equity and cash consideration, with approvals from the regulators still under review.
Once completed, DTPL will become a subsidiary of the company. The approvals were granted by the board on May 02, 2024, and by the shareholders on June 01, 2024.
Issuance of Equity Shares under Employee Stock Option Scheme
According to Ugro Capital Q4 results, the company issued and allotted a total of 1,26,502 equity shares of ₹10 each at varying premiums as part of the CSL Employee Stock Option Scheme 2017.
Of these, 1,13,102 shares were issued at a securities premium of ₹120 per share, while 13,400 shares were issued at a securities premium of ₹211.45 per share, following the exercise of options by the employees.
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