Data Tech bridges MSMEs and Partners

Shachindra Nath, Founder Managing Director, UGRO Capital:

Ravi Lalwani: The BFSI sector is rapidly shifting toward more personalized and digital-first financial services. What specific advancements or strategic changes does your organization plan to implement by 2025 to meet evolving market expectations? Are there particular markets where you aim to expand your presence or market share?

Shachindra Nath: The BFSI sector is evolving rapidly, and at UGRO Capital, we are committed to staying ahead by embedding data and technology at the heart of our operations. By 2025, our focus will be on scaling our proprietary underwriting model, GRO Score, which combines bureau, banking, and GST data, to deliver hyperpersonalized credit solutions. This advanced model has already proven its ability to make credit decisions within 60 minutes, and we aim to make it even more robust with 100% digital and AI-driven underwriting.

Historically, SME lending was based on traditional income metrics, but the shift toward digital data footprints enabled by innovations like Account Aggregator (AA), Open Credit Enablement Network (OCEN), and Open Network for Digital Commerce (ONDC) is transforming access to credit. Our strong tech stack and data competency allow us to integrate seamlessly via APIs with a wide spectrum of partners, accelerating our ability to serve small businesses. Players who are ready and adaptive to this paradigm shift will benefit immensely, and UGRO Capital is positioned to lead this transformation.