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U GRO Capital Business Loan

U Gro Capital offers both secured and unsecured business loans to Micro, Small and Medium Enterprises (MSME) starting from 15.95%p.a. for loan amounts of up to Rs 5 crore and repayment tenures of up to 10 years. The non-banking financial company (NBFC) provides both secured and unsecured business loans to multiple categories of MSMEs....

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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Max Loan Amt.Upto ₹1Cr
Rate of Interest9.50% - 30.50%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

U Gro Capital Business Loan Highlights

Interest Rate 15.95% p.a. onwards
Loan Amount Up to Rs 5 crore
Loan Tenure Up to 10 years
Processing Fees Up to 4% of loan amount sanctioned

U Gro Capital Business Loan Interest Rates

U Gro Capital Business Loan interest rates starts from 15.95% p.a. The NBFC finalises the interest rates for its business loan schemes depending on the customer profile, their past repayment track record, the credit and default risk in the product, customer segment, market reputation, nature and value of primary & collateral securities, external ratings of the customer, industry trends, etc. Additionally, U Gro Capital also looks at factors like the cost of funds, rates offered by competitors, administrative costs and duration of relationship with the customers while deciding the business loan interest rates.

Fees and Charges for Business Loan from U Gro Capital

The fees and charges for availing U Gro Capital Business Loans are mentioned below:

Processing Fees for U Gro Capital Business Loans

Particulars Concessions
Processing fees Up to 4% of loan amount sanctioned (non-refundable)

Part Prepayment/Foreclosure Charges for U Gro Capital Business Loans

Particulars Concessions
Part prepayment or foreclosure charges*
  • For unsecured loans:
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 5% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For secured loans (immovable property):
    • 6% of outstanding principal amount for early payment/loan foreclosure within 12 months of loan sanction
    • 4% of outstanding principal amount for early payment (more than 25% of principal outstanding at beginning of financial year) / loan foreclosure after 12 months of loan sanction
  • For supply chain finance: 4% of sanctioned limit if terminated or foreclosed within 12 months of sanction date
  • For loan against electronic payment:
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 5% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For secured loans (movable property):
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 4% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For unsecured credit limit:
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 5% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For secured credit limit:
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 5% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For micro unsecured loans:
    • 6% of outstanding principal amount for loan foreclosure within 12 months of loan sanction
    • 5% of outstanding principal amount for loan foreclosure after 12 months of loan sanction
  • For micro secured immovable property:
    • 6% of outstanding principal amount for early payment/loan foreclosure within 12 months of loan sanction
    • 4% of outstanding principal amount for early payment (more than 25% of principal outstanding at beginning of financial year) / loan foreclosure after 12 months of loan sanction

*No prepayment/foreclosure charges for floating rate term loans sanctioned to individual borrowers.

Other Charges for U Gro Capital Business Loans

Particulars Concessions
Cersai Charges Rs 500
RTO transfer charges* Rs 10,000
Duplicate RC issuance charges* Rs 10,000
PDS / EDC / NACH Bounce Charges per transaction Rs 750
Repayment instruction change / swap charges Rs 1,000
EMI repayment cycle date change Rs 1,000
Modification of loan terms post first disbursement (including but not limited to rescheduling of loan repayment term, addition/deletion of co borrowers etc.) Up to 2% of principal outstanding (as on the date of transaction)
Issuance of duplicate income tax certificate Rs 500
Issuance of duplicate NOC Rs 500
Duplicate Statement of Account (SOA) Rs 500
Document Retrieval Rs 1,000
Loan cancellation charges Rs 20,000 plus interest rate from disbursement date till date of request of cancellation
Penal Charges 3% per month on overdue instalment

*May vary geographically from RTO to another

Documents required for U Gro Capital Business Loan

U Gro Capital has not provided the list of documents required for business loans for its different schemes. Apart from the business loan documents for KYC verification, proof of business/residence address, income proof and proof of business continuity of the MSME business unit, the NBFC may ask for additional documents from its business loan applicants based on its requirements and the loan applicant’s profile.

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U Gro Capital Business Loan Eligibility Criteria

The business loan eligibility criteria set for availing the U Gro Capital Business Loans are as follows:

  • Proprietors, LLPs, partnership firms, private limited companies, public limited companies, closely held limited companies etc. with at least 5 years business vintage or work experience (2 years for quick service restaurants) are eligible for availing this business loan scheme.
  • Age: The age criteria for business loan borrowers are as follows:
    • For borrowers: 65 years at the time of loan maturity (70 years for U Gro Capital Business Loan for Nursing Homes)
    • For co-borrowers: 23 years to 65 years (at the time of loan maturity). For U Gro Capital Business Loan for Nursing Homes the age limit is between 27 to 70 years.

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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