UGRO CAPITAL LIMITED Coupon 11.65% | NBFC Corporate Bond

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Exclusive Webinar with CEO's on 'Gold Loan Backed NCDs Explained'

Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn 11.27% p.a

Invest Now

Exclusive Webinar with CEO's on 'Gold Loan Backed NCDs Explained'

Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn 11.27% p.a

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Returns (YTM)

12.50%

Min. Investment

₹ 99,349.07

Remaining Tenure

5Y 5M 28Days

Payment Terms

Monthly

Highlights

Credit Rating

IND A+/POSITIVE

Seniority

SUBORDINATE

Security

Unsecured TIER II

Default History

Zero

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

1.64

Net NPA

Good

Benchmark: Lower than 3%

20.75

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

3.06

Operating Cash Flow to Equity Ratio

Good

Benchmark: Maximum 12 times

-0.33

Operating Cash Flow to Debt Ratio

Risky

Benchmark: Higher the ratio better it is.

1.27

Interest Coverage Ratio

Risky

Benchmark: Minimum 2

Important disclaimer

About Issuer

UGRO CAPITAL LIMITED

UGRO Capital Limited is a DataTech-driven NBFC focused on MSME and small business financing in India. By leveraging advanced data analytics and an extensive distribution network, the company addresses the small business credit gap with tailored financial solutions.

UGRO Capital is committed to empowering MSMEs with accessible and efficient credit, driving growth and financial inclusion across the sector.

Total Annual Revenue

1081.68 Cr FY 2024

Year of Inception

1993

Industry

NBFC Corporate

Head Office

Mumbai

Type of Issuer

Corporate

Current MD/CEO

Mr. Shachindra Nath

Credit Rating / Outlook

A+ POSITIVE

IND

Rating Rationale

Rating Date: 22-Aug-2025

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry low credit risk.
Positive Outlook suggests a higher probability of a rating upgrade in the medium term, reflecting favorable trends or events that strengthen the issuer's creditworthiness.

Other Important Details & Disclosures

Issuer Name

UGRO CAPITAL LIMITED

Security Name

11.65% UGRO CAPITAL LIMITED UnSecured Rated Listed NCD Maturity 15-Mar-2031

ISIN

Copy

INE583D08081

Face Value

₹ 1,00,000

Coupon Rate

11.65%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

15-Mar-2031

Clean Price

₹ 99.22

Dirty Price

₹ 99.35

Current Yield

11.7414%

Yield to Maturity

12.5017%

Mode of Issue

Private Placement

Date of Issue

15-Sep-2025

Listed

Yes

Instrument Type

Taxable

Security

Unsecured

Seniority

SUBORDINATE

Perpetual

Tier level

Trustee Details

Vardhaman Trusteeship Private Limited

3rd Floor, Room No - 15 6, Lyons Range, Turner, Morrison House, Kolkata, West Bengal, 700001

Registrar Details

MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.)

Embassy C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 15G/15H to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.) Embassy C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

Unit

Investment Amount

₹ 99,349.07

Total Returns

₹ 64,677.94

Total Receivable

₹ 1,64,027.01

Cashflow Timeline

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FAQs about UGRO CAPITAL LIMITED bonds

How to buy this UGRO CAPITAL LIMITED bond online?

You can invest in bonds online in under 5 minutes. To buy UGRO CAPITAL LIMITED bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this UGRO CAPITAL LIMITED bond?

12.5017% is the current yield of this UGRO CAPITAL LIMITED bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this UGRO CAPITAL LIMITED bond is 12.5017%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this UGRO CAPITAL LIMITED bond?

To redeem this UGRO CAPITAL LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this UGRO CAPITAL LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this UGRO CAPITAL LIMITED bond tax-free?

No, this UGRO CAPITAL LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this UGRO CAPITAL LIMITED bond before the maturity date?

Yes, it is possible to sell this UGRO CAPITAL LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

Note to Investors

GoldenPi Securities Pvt. Ltd. (“GSPL”) is a wholly owned subsidiary of GoldenPi Technologies Pvt. Ltd. (“GTPL”) and is a SEBI registered broker under BSE new debt segment allowing investors to trade in secondary bonds & debentures through exchange.

Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.
Investors can update their email id and mobile number with their stock broker / depository participant and receive OTP directly from the depository on email id and/or mobile number to create a pledge. Investors can check their securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

The FAQs on the platform are exclusively for educational information/knowledge and do not influence the investment/sale decisions of any investors.As you are aware, under the rapidly evolving dynamics of financial markets, it is crucial for investors to remain updated and well-informed about various aspects of investing in securities market. In this connection, please find a link to the BSE Investor Protection Fund website where you will find some useful educative material in the form of text and videos, so as to become an informed investor. https://www.bseipf.com/investors_education.html
We believe that an educated investor is a protected investor !!!

The information shown on the website should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products/services of GSPL or any product/services of its third-party client(s). The user should act and rely on the information/data shown on the website only after understanding all associated risk parameters. Any action/decision taken by the user on the basis of the information shown on this website shall be the sole responsibility of the user. Neither GSPL nor its directors, employees, associates, representatives, or agents shall be liable for any damages whether direct, indirect, special, or consequential including lost revenue or lost profits that may arise to the user from or in connection with the use of the information/data shown on this website.

We understand that certain investment advisors may be approaching members of the public including our clients, representing that they are our partners, or representing that their investment advice is based on our research. Please note that we have not engaged any third parties to render any investment advisory services on our behalf nor are we providing any stock recommendations/tips/research report/advisory. Persons making investments on the basis of such advice may lose all or a part of their investments along with the fee paid to such unscrupulous persons. Please be cautious about any phone call that you may receive from persons representing to be such investment advisors, or a part of research firm offering advice on securities. Do not make payments through e-mail links, WhatsApp or SMS. Please do not share your personal or financial information with any person without proper verification. Always trade through a registered broker.

We collect, retain, and use your contact information for legitimate business purposes only, to contact you and to provide you information & latest updates regarding our products & services.

Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

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a. Register on the portal | b. Mandatory details for register and filing complaints - Name, PAN, Address, Mobile Number, E-mail ID | c. Benefits: i. Effective Communication ii. Speedy redressal of the grievances | d. Complaints against the companies shall be subject to the SMARTODR/SCORES guidelines

GoldenPi Securities Pvt Ltd (“GSPL”) | SEBI Registration No.: INZ000310732 | BSE Member ID : 6809

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Directors: Abhijit Roy, Samir Baran Pratihar, Naveen Subbarao | Email: contact-us@goldenpi.com

Cashflow Timeline

Timeline

Total Receivable*

Net Receivable**

2025

₹ 2,904.51

₹ 2,614.06

15 Oct	Interest ₹ 957.53	Interest ₹ 861.78
15 Nov	Interest ₹ 989.45	Interest ₹ 890.5
15 Dec	Interest ₹ 957.53	Interest ₹ 861.78

2026

₹ 11,649.97

₹ 10,484.97

2027

₹ 11,649.97

₹ 10,484.97

2028

₹ 11,655.42

₹ 10,489.88

2029

₹ 11,644.57

₹ 10,480.11

2030

₹ 11,649.97

₹ 10,484.97

2031

₹ 1,02,872.6

₹ 1,02,585.34

* The interest amount is paid as per total invested face value (₹ 100000) and annual coupon rate of 11.65%.

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.

Highlights

Company Financials

Ratio Analysis

About Issuer

UGRO CAPITAL LIMITED

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

How to buy this UGRO CAPITAL LIMITED bond online?

What is the yield of this UGRO CAPITAL LIMITED bond?

Is it safe to invest in bonds?

How to redeem this UGRO CAPITAL LIMITED bond?

Is this UGRO CAPITAL LIMITED bond tax-free?

Can I sell this UGRO CAPITAL LIMITED bond before the maturity date?

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Note to Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

Cashflow Timeline