InCred Holdings Unlisted Shares
↑ 2.4%
Share Price Chart
About InCred Holdings
InCred Holdings Limited is a rapidly growing financial services company in India that provides lending, wealth management, and asset management services. The company focuses on technology-driven financial solutions designed to improve access to credit and financial products.
Founded by Bhupinder Singh, InCred has built a diversified financial services platform that includes consumer lending, SME financing, education loans, and institutional credit services. The company also operates in wealth management and asset management segments.
Due to the increasing demand for digital lending platforms and financial services in India, InCred Holdings unlisted shares have gained strong attention from investors seeking exposure to the fintech and NBFC sectors.
Fundamentals
| Market Cap | ₹12,000 Cr |
| P/E Ratio | NA |
| P/B Ratio | 4.5 |
| ROE | 18% |
| Face Value | ₹10 |
| Lot Size | 50 Shares |
Financials
| Year | Revenue | Potential |
|---|---|---|
| 2022 | ₹1,200 Cr | ₹90 Cr |
| 2023 | ₹1,600 Cr | ₹120 Cr |
| 2024 | ₹2,050 Cr | ₹165 Cr |
Shareholding Pattern
Latest News & Events
- Expansion of digital lending and financial services platform 2026
- Growth in SME and consumer lending portfolios 2025
- Increasing adoption of fintech lending platforms in India 2024
The holding company of InCred Financial Services Limited (IFSL), which operates across multiple lending segments, InCred Holdings Limited (IHL) is a prominent financial services company in India that focuses on offering easily accessible and technologically advanced financial solutions. InCred seeks to make finance easier for both individuals and businesses through advanced analytics and digital innovation.
By combining KKR India Financial Services Limited (KIFSL) with IFSL in 2023, IHL increased the scope of its financial offerings. In order to simplify its ownership structure, the combined company was renamed as InCred Financial Services Limited and became a wholly-owned subsidiary of IHL.
Pros
Strong Growth: A strong financial trajectory and successful business expansion are indicated by rapid revenue and PAT growth.
Stable NPAs: Strong risk management and high-quality loan books are ensured by keeping NPAs at 2.1%.
Technological Edge: Digital platforms and advanced analytics improve client satisfaction and lending efficienc
CONS
High Borrowings: Financial leverage risks increased as debt increased from ₹2,816 Cr (2022) to ₹5,017 Cr (2024).
Negative Other Income (2023): A loss of ₹45 Cr in 2023 indicates that non-core revenue streams may be volatile.
Declining Cash Reserves: Liquidity was impacted when cash levels fell from ₹393 Cr (2023) to ₹168 Cr (2024).