Financial Snapshot
Key Performance Indicators:
Analysis is based on the company's reported financial statements and historical financial data.
Incred Holdings Unlisted Shares
17
Visitors
₹156
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All Time
Indicative
Incred Holdings Unlisted Shares Trend
Trend Score
--
Sentiment
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This sentiment meter reflects current demand-supply conditions in the unlisted market. It is not a rating and should not be considered advice to buy, sell, or hold. Sentiments are subject to rapid change and may not be real-time.
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Incred Holdings Unlisted Shares Details
Incred Holdings Unlisted Shares Price
₹156
- Lot Size
- 200 Shares
- Min. Investment
- ₹31,200
Valuation
- Market Cap
- ₹10,513.54 Cr
- Total Shares
- 67,39,45,129
- P/E Ratio
- 26.85x
- P/B Ratio
- 2.66x
Performance & Health
- ROE
- 9.81%
- EPS
- ₹5.81
- Debt/Equity
- 2.20
- Book Value
- ₹58.74
Corporate Identity
- Sector
- Financial Services
- Availability in Depository
- CDSL & NSDL
- Face Value
- ₹10.00
- ISIN Code
- INE732W01014
- PAN
- AAECK1977B
- CIN
- U67190MH2011PLC211738
- Registrar (RTA)
- MUFG INTIME INDIA PRIVATE LIMITED
Incred Holdings Unlisted Shares Price
₹156
Lot Size
200 Shares
Min. Investment
₹31,200
Valuation
- Market Cap
- ₹10,513.54 Cr
- Total Shares
- 67,39,45,129
- P/E Ratio
- 26.85x
- P/B Ratio
- 2.66x
Performance & Health
- ROE
- 9.81%
- EPS
- ₹5.81
- Debt/Equity
- 2.20
- Book Value
- ₹58.74
Corporate Identity
- Sector
- Financial Services
- Face Value
- ₹10.00
- ISIN Code
- INE732W01014
- PAN
- AAECK1977B
- Availability in Depository
- CDSL & NSDL
- CIN
- U67190MH2011PLC211738
- Registrar & Transfer Agent (RTA)
- MUFG INTIME INDIA PRIVATE LIMITED
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About Incred Holdings
Incred Holdings Financials
Income Statement
Figures shown in millions. YoY shown under each year; trend sparkline on the right.
| Particulars | FY 2023 | FY 2024 | FY 2025 | Trend |
|---|---|---|---|---|
| Revenue From operations | ||||
| Interest income | 8,229.68 | 11,935.92 | 16,924.90 | |
| Dividend income | 2.52 | 5.01 | 4.99 | |
| Fees and commission income | 218.05 | 330.85 | 1,373.79 | |
| Net gain on fair value changes | 50.17 | 133.38 | 245.38 | |
| Net gain on derecognition of financial instruments | 156.09 | 321.85 | 187.15 | |
| Total revenue from operations | 8,656.51 | 12,727.01 | 18,736.21 | |
| Other Income | 150.55 | 234.30 | 201.49 | |
| Total Income | 8,807.06 | 12,961.31 | 18,937.70 | |
| Expenses | ||||
| Finance costs | 3,560.19 | 4,532.56 | 6,271.67 | |
| Net loss on derecognition of financial instruments | 2.50 | 376.52 | - | |
| Impairment on financial instruments | ( 242.38) | (187.09) | 1,877.77 | |
| Employee benefit expenses | 1,922.78 | 2,645.85 | 3,393.10 | |
| Depreciation and amortization expenses | 132.68 | 186.99 | 183.24 | |
| Other expenses | 918.44 | 1,210.00 | 2,137.89 | |
| Total expenses | 6,294.21 | 8,764.83 | 13,863.67 | |
| Profit before tax | 1,909.64 | 3,995.43 | 5,074.03 | |
| Tax Expense | ||||
| Current Tax | 46.79 | 75.54 | 86.06 | |
| Deferred Tax | 772.21 | 829.50 | 1,256.47 | |
| Total Tax Expense | 819.00 | 905.04 | 1,342.53 | |
| Profit for the period/year | 1,090.64 | 3,090.39 | 3,731.50 | |
| EPS (in ₹) | 1.85 | 5.07 | 5.81 |
Incred Holdings - Key Insights
POSITIVE
Strong Funding Profile
InCred Holdings maintains a diversified borrowing base with relationships across more than 51 lenders, including banks, mutual funds, development finance institutions and NBFCs. The company's improving credit profile is reflected in its CRISIL AA-/Stable and ICRA AA-/Stable ratings as of December 31, 2025, supporting access to diversified funding sources for future growth.
POSITIVE
Diversified Lending Platform
InCred Holdings has built a diversified lending franchise across multiple high-growth segments, including personal loans, student loans, secured business loans, specialised MSME financing and lending to financial institutions. As of December 31, 2025, the company served over 5.04 lakh active customers, reducing concentration risk while supporting sustainable portfolio growth.
POSITIVE
Fast-Growing Diversified NBFC
InCred Holdings operates one of India's fastest-growing diversified NBFC platforms through its material subsidiary, InCred Financial Services Limited (IFSL). According to the CRISIL Report cited in the UDRHP, the company ranked as the fastest-growing diversified NBFC in terms of PAT CAGR and the second fastest in Assets Under Management (AUM) CAGR between FY2023 and FY2025.
NEUTRAL
Technology-Led Business Model
Technology forms the foundation of InCred Holdings' operating model. The company has developed an in-house digital platform with a mobile-first architecture, customised workflows, API-based integration and a centralised data repository. It also plans to further strengthen underwriting, fraud detection and risk management by leveraging artificial intelligence, machine learning and advanced data analytics.
Unique Market Position
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Browse All Unlisted SharesIncred Holdings - Corporate Actions
Incred Holdings - News
INC 42
InCred Holdings UDRHP: A Look At Shareholding Pattern & Key Executives
Global investment firm KKR, which is one of the largest shareholders in InCred, intends to sell the highest number of up to 4 Cr shares via the IPO
THE ECONOMIC TIMES
InCred Holdings files updated draft IPO papers with Sebi; eyes Rs 1,250 cr via fresh issue
Retail-focused NBFC InCred Holdings has filed updated draft papers with Sebi for its proposed IPO, aiming for a valuation of around Rs 15,000 crore.
VC CIRCLE
InCred Holdings eyes $132 mn via fresh issue in IPO; KKR to sell stake
India's InCred Holdings, the parent of non-banking financial company InCred Financial Services, aims to raise 12.50 billion rupees ($131.8 million) through a fresh issue of shares as part of its initial public offering, draft papers showed on Thursday.
MINT
Upcoming IPO: KKR-backed InCred Holdings receives Sebi nod to raise funds via public issue. Details here
Upcoming IPO: InCred Holdings has received SEBI approval to raise funds via an IPO, with an expected size of ₹3,000-4,000 crore.
INC 42
InCred Holdings UDRHP: A Look At Shareholding Pattern & Key Executives
Global investment firm KKR, which is one of the largest shareholders in InCred, intends to sell the highest number of up to 4 Cr shares via the IPO
THE ECONOMIC TIMES
InCred Holdings files updated draft IPO papers with Sebi; eyes Rs 1,250 cr via fresh issue
Retail-focused NBFC InCred Holdings has filed updated draft papers with Sebi for its proposed IPO, aiming for a valuation of around Rs 15,000 crore.
VC CIRCLE
InCred Holdings eyes $132 mn via fresh issue in IPO; KKR to sell stake
India's InCred Holdings, the parent of non-banking financial company InCred Financial Services, aims to raise 12.50 billion rupees ($131.8 million) through a fresh issue of shares as part of its initial public offering, draft papers showed on Thursday.
MINT
Upcoming IPO: KKR-backed InCred Holdings receives Sebi nod to raise funds via public issue. Details here
Upcoming IPO: InCred Holdings has received SEBI approval to raise funds via an IPO, with an expected size of ₹3,000-4,000 crore.
Incred Holdings - Annual Reports
2026
DRHP/RHP
Incred Holdings DRHP
Corporate Info & Management
Bhupinder Singh
Chairman, Director & CEO
Gaurav Maheshwari
CFO & Whole-time Director
Vivekanand P S
Non-Executive Director
Rupa Rajul Vora
Independent Director
Karnam Sekar
Independent Director
Saurabh Kant Singh
Independent Director
Ambika Bisla
Independent Director
Registered Office
Unit No 1203, 12th Floor, B Wing
The Capital, C-70, G Block
Bandra Kurla Complex,
Bandra East
Mumbai – 400 051,
Maharashtra, India
Incred Holdings Unlisted Shares Shares
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Incred Holdings Unlisted Shares Trend
Trend Score
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Sentiment
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This sentiment meter reflects current demand-supply conditions in the unlisted market. It is not a rating and should not be considered advice to buy, sell, or hold. Sentiments are subject to rapid change and may not be real-time.
Incred Holdings Unlisted Shares - Create Price Alert
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