Ugro Capital Limited announced its consolidated financial results for the quarter and nine months ended December 31, 2025. The company reported Assets Under Management (AUM) of ₹15,454 crore as of December 31, 2025, marking a 40% year-on-year growth. Net disbursements stood at ₹2,217 crore in Q3 FY26, a 6% increase YoY, and ₹5,605 crore in 9M FY26, up 7% YoY. Total income for Q3 FY26 was ₹506.4 crore, a 32% increase YoY, while Net Total Income reached ₹259.7 crore. Profit After Tax (PAT) for the quarter was ₹46.3 crore, up 23% YoY, and ₹123.7 crore for the nine-month period. Asset quality remained stable with Gross Non-Performing Assets (GNPA) at 2.2% and Net Non-Performing Assets (NNPA) at 1.4%, with a provision coverage ratio of 45%. The acquisition of Profectus Capital was completed in December 2025, making it a wholly-owned subsidiary. The Embedded Finance engine, via the MSL platform, now serves over 1.85 lakh customers with an AUM of ₹1,798 crore within five quarters. The Emerging Market channel contributed approximately 21% of the consolidated AUM, reaching ₹3,199 crore with over 300 branches.
