UGRO Capital completes 100% acquisition of Profectus Capital

Ugro Capital Ltd. | Finance - NBFC | BFSI | BSE: 511742 | NSE: UGROCAP

09 Dec 2025 Evaluate

UGRO Capital has completed its 100% acquisition of Profectus Capital, marking one of the most value-accretive transactions in its journey to build India’s leading MSME lending institution, strengthening scale, profitability, capital productivity, and return ratios, and positioning the company for accelerated earnings growth over the next several years.

With the addition of Profectus Rs 3,468 crore AUM, UGRO’s consolidated AUM rises to Rs 15,471 crore, a consolidated 29% AUM expansion. The acquisition materially strengthens the company’s fundamentals through an immediate Rs 150 crore annualized profit accretion, achieved with zero origination cost and delivered on Day 1. The integration unlocks an additional Rs 115 crore in operating synergies, expanding margins and driving a 60-70 bps improvement in ROA, thereby accelerating UGRO’s path toward stronger long-term ROE. With a significant shift to a 75% secured asset mix, the combined entity benefits from greater earnings stability and lower credit-cost volatility, key drivers of sustainable valuation growth.

The transaction represents highly efficient deployment of UGRO’s recent equity rise into a fully secured, high-yield asset base that is accretive to capital adequacy and enhances the profitability per unit of capital deployed. In addition, Profectus established lender relationships to strengthen UGRO’s liability franchise, supporting better funding costs and incremental spread improvement. Profectus now becomes a wholly owned subsidiary of UGRO Capital effective December 8, 2025. The company will soon initiate the merger process of Profectus into the parent company, subject to Board and shareholder approvals. Both companies will continue operating independently until formal approval of the merger.

UGRO Capital is a BSE listed, small business lending fintech platform.

Ugro Capital Share Price

106.40 -3.70 (-3.36%)

08-May-2026 16:59 View Price Chart

Peers

Company Name	CMP
Bajaj Finance	955.05
Shriram Finance	1007.95
Aditya Birla Capital	363.05
Chola Invest & Fin.	1676.05
Tata Capital	321.70
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