{"id":9417,"date":"2025-04-01T12:37:08","date_gmt":"2025-04-01T12:37:08","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9417"},"modified":"2026-04-14T12:32:52","modified_gmt":"2026-04-14T12:32:52","slug":"u-gro-capital-ncd-ipo-april-2025-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/","title":{"rendered":"U GRO Capital NCD IPO \u2013 April 2025, Should you invest?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#High_Yield_IND_AStable_Minimum_Investment_10k_Only\" >High Yield\u00a0|\u00a0IND A+\/Stable\u00a0|\u00a0Minimum Investment: 10k Only<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#U_GRO_Capital_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\" >U GRO Capital NCD IPO: Coupon rates and effective yield for each of the series\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Allocation_Ratio\" >Allocation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Investment_Process_for_U_GRO_Capital_NCD_IPO\" >Investment Process for U GRO Capital NCD IPO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Financial_Overview\" >Financial Overview<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_and_PAT\" >Snapshot stating the Revenue, Expenses, and PAT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Cash_flow_for_last_5_years\" >Cash flow for last 5 years<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Liquidity\" >Liquidity<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Ratio_Analysis\" >Ratio Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Issue_analysis\" >Issue analysis<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Pros\" >Pros\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Cons\" >Cons\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#About_U_GRO_Capital\" >About U GRO Capital<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Weakness\" >Weakness<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/#Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest in Bond IPO online in just 5 minutes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"High_Yield_IND_AStable_Minimum_Investment_10k_Only\"><\/span><strong>High Yield\u00a0|\u00a0IND A+\/Stable\u00a0|\u00a0Minimum Investment: 10k Only<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U GRO Capital<\/span> <span style=\"font-weight: 400;\">is issuing the Non-Convertible Debentures. These NCDs are IND <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/list-of-a-rated-bonds\/\">A+\/Stable<\/a> rated. The NCDs are being issued in five series: coupon ranges from 10% to 10.50% p.a. and different tenures of 18 months, 24 months, 30 months and 42 months. The NCDs are secured and redeemable in nature. <\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9418 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122842\/Screenshot-2025-04-01-174306.png\" alt=\"\" width=\"670\" height=\"792\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122842\/Screenshot-2025-04-01-174306.png 670w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122842\/Screenshot-2025-04-01-174306-254x300.png 254w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122842\/Screenshot-2025-04-01-174306-585x692.png 585w\" sizes=\"(max-width: 670px) 100vw, 670px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"U_GRO_Capital_NCD_IPO_Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><b>U GRO Capital NCD IPO: <\/b><b>Coupon rates and effective yield for each of the series\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-9419 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-1024x333.png\" alt=\"\" width=\"1024\" height=\"333\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-1024x333.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-300x98.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-768x250.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-1536x500.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-2048x667.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-1170x381.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-1920x625.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01122946\/Picture2-1-585x190.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><b>Allocation Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The allocation ratio is prepared based on norms laid down by SEBI. Before announcing the allocation ratio, the same has to be approved by SEBI.\u00a0 Once the IPO subscription closes, applications will be divided into different categories. The category-wise allocation ratio is always decided and declared during the launch of the particular IPO. Considering the Allocation Ratio, units will be assigned to applicants. Refer to the chart to know the application ratio for U GRO Capital NCD-IPO.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-large wp-image-9420 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-1024x702.png\" alt=\"\" width=\"1024\" height=\"702\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-1024x702.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-300x206.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-768x526.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-1536x1053.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-1170x802.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1-585x401.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123009\/1.png 1652w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_U_GRO_Capital_NCD_IPO\"><\/span><b>Investment Process for U GRO Capital NCD IPO<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can invest in IPOs via GoldenPi in these easy steps.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9201 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png\" alt=\"\" width=\"576\" height=\"218\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png 576w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow-300x114.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Overview\"><\/span><b>Financial Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_and_PAT\"><\/span><b>Snapshot stating the Revenue, Expenses, and PAT<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-9421 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-1024x516.png\" alt=\"\" width=\"1024\" height=\"516\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-1024x516.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-300x151.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-768x387.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-1536x773.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-2048x1031.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-1170x589.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-1920x967.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123254\/Picture3-1-585x295.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_5_years\"><\/span><b>Cash flow for last 5 years<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-full wp-image-9422 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123325\/Screenshot-2024-10-08-132552.png\" alt=\"\" width=\"745\" height=\"401\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123325\/Screenshot-2024-10-08-132552.png 745w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123325\/Screenshot-2024-10-08-132552-300x161.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123325\/Screenshot-2024-10-08-132552-585x315.png 585w\" sizes=\"(max-width: 745px) 100vw, 745px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Cash flow refers to the movement of cash in and out of the business at a specific point in time. It represents the net balance of the cash movement.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span style=\"font-weight: 400;\">***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects <\/span><span style=\"font-weight: 400;\">the net flows of cash that are used to fund the company.<\/span><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Liquidity\"><\/span><b>Liquidity<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Adequate Liquidity:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comfortable capital base and diversified funding sources support liquidity.\u200b<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The company&#8217;s ability to raise funds from various financial institutions enhances its <a href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/how-do-sovereign-gold-bonds-offer-liquidity-to-investors\/\">liquidity profile.<\/a><\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><strong>Ratio Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-full wp-image-9423 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123438\/U-gro-Table-Format-1.png\" alt=\"\" width=\"900\" height=\"691\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123438\/U-gro-Table-Format-1.png 900w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123438\/U-gro-Table-Format-1-300x230.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123438\/U-gro-Table-Format-1-768x590.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/04\/01123438\/U-gro-Table-Format-1-585x449.png 585w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><b>Issue analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Pros\"><\/span><b>Pros\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NCD is A+ rated security with a stable outlook.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-coupon\/\">coupon<\/a> rate is upto 10.5% which is much higher than FDs.\u00a0<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><b>Cons\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Coverage Ratio has been decreasing over the years indicating that the company might not be able to service its debt obligation.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><b>To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"About_U_GRO_Capital\"><\/span><b>About U GRO Capital<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>UGro Capital Limited<\/b><span style=\"font-weight: 400;\">, formerly known as <\/span><b>Chokhani Securities Limited<\/b><span style=\"font-weight: 400;\">, was acquired in 2018 by <\/span><b>Shachindra Nath<\/b><span style=\"font-weight: 400;\">, its Vice Chairman and Managing Director. Since then, the company has focused on providing tailored financial solutions to India&#8217;s <\/span><b>MSME (Micro, Small, and Medium Enterprises)<\/b><span style=\"font-weight: 400;\"> sector. UGro offers a variety of lending products with diverse tenors and ticket sizes to cater to the unique needs of MSMEs. With a vast network of <\/span><b>164 branches<\/b><span style=\"font-weight: 400;\"> across the country, UGro has rapidly expanded its <\/span><b>Assets Under Management (AUM)<\/b><span style=\"font-weight: 400;\">, which stood at <\/span><b>INR 92.2 billion<\/b><span style=\"font-weight: 400;\"> as of 1QFY25, with 45% of AUM managed through off-book volumes. The company is publicly listed on both the <\/span><b>National Stock Exchange (NSE)<\/b><span style=\"font-weight: 400;\"> and the <\/span><b>Bombay Stock Exchange (BSE)<\/b><span style=\"font-weight: 400;\">, solidifying its position as a key player in MSME lending.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><b>Robust Asset Under Management (AUM) Growth:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AUM increased to <\/span><b>\u20b911,067 crore<\/b><span style=\"font-weight: 400;\"> as of December 31, 2024, up from <\/span><b>\u20b99,047 crore<\/b><span style=\"font-weight: 400;\"> on March 31, 2024.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Growth driven by strong traction in the MSME financing segment and an expanding operating network.\u200b<\/span><\/li>\n<\/ul>\n<p><b>Comfortable Capitalization:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reported net worth of <\/span><b>\u20b91,998 crore<\/b><span style=\"font-weight: 400;\"> as of December 31, 2024.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total equity capital raised since inception amounts to <\/span><b>\u20b91,750 crore<\/b><span style=\"font-weight: 400;\">, including <\/span><b>\u20b9510 crore<\/b><span style=\"font-weight: 400;\"> infused in Q1 FY2025.\u200b<\/span><\/li>\n<\/ul>\n<p><b>Diversified Funding Profile:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced funding from public sector banks, development financial institutions, and other financial institutions.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Off-book portfolio constitutes <\/span><b>44%<\/b><span style=\"font-weight: 400;\"> of AUM as of December 31, 2024, up from <\/span><b>40%<\/b><span style=\"font-weight: 400;\"> on March 31, 2023.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Weakness\"><\/span><b>Weakness<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><b>Modest Earnings Profile:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return on Managed Assets (RoMA) stood at <\/span><b>1.2%<\/b><span style=\"font-weight: 400;\"> (annualized) for the first nine months of FY2025, compared to <\/span><b>1.4%<\/b><span style=\"font-weight: 400;\"> in FY2024 and <\/span><b>0.8%<\/b><span style=\"font-weight: 400;\"> in FY2023.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Operating expenses remain high due to expansion, with operating cost to average managed assets ratio at <\/span><b>3.6%<\/b><span style=\"font-weight: 400;\"> for the first nine months of FY2025, slightly down from <\/span><b>4%<\/b><span style=\"font-weight: 400;\"> in FY2024.\u200b<\/span><\/li>\n<\/ul>\n<p><b>Asset Quality Concerns:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gross Stage III assets on the own book decreased to <\/span><b>2.4%<\/b><span style=\"font-weight: 400;\"> (\u20b9145 crore) as of December 31, 2024, from <\/span><b>3.4%<\/b><span style=\"font-weight: 400;\"> (\u20b9170 crore) on March 31, 2024.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">90+ days past due (dpd) as a percentage of AUM remained stable at approximately <\/span><b>2.0%<\/b><span style=\"font-weight: 400;\"> during the same period.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The improvement in Gross Stage III ratio partly due to write-offs amounting to <\/span><b>1.2%<\/b><span style=\"font-weight: 400;\"> (\u20b974 crore) in the first nine months of FY2025.\u200b<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Restructured book stands at <\/span><b>\u20b924 crore<\/b><span style=\"font-weight: 400;\"> (~0.4% of own book), with <\/span><b>0.1%<\/b><span style=\"font-weight: 400;\"> in Gross Stage III.<\/span><\/li>\n<\/ul>\n<h1 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><b>Invest in Bond IPO online in just 5 minutes<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><span style=\"font-weight: 400;\"><strong>Source-<\/strong> Prospectus March 26, 2025<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Disclaimer &#8211;<\/strong> The information is published as on date 10\/08\/2024 based on information available on Prospectus March 26, 2025. The information may be subject to change in case of change in terms of prospectus or any other reason as the case maybe. Contents which are exclusively for educational information\/knowledge sharing on capital market concepts and has no influence the investment\/sale decisions of any investors<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0IND A+\/Stable\u00a0|\u00a0Minimum Investment: 10k Only \u00a0 U GRO Capital is issuing the Non-Convertible Debentures. These NCDs are IND A+\/Stable rated. The&hellip;<\/p>\n","protected":false},"author":4,"featured_media":11867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[113,162],"tags":[],"class_list":["post-9417","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo","category-u-gro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>U GRO Capital NCD IPO \u2013 April 2025, Should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"U GRO Capital NCD IPO \u2013 April 2025, Should you invest?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/u-gro-capital-ncd-ipo-april-2025-should-you-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"U GRO Capital NCD IPO \u2013 April 2025, Should you invest? 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