
Incred Holdings Limited Unlisted Shares
vs. prev. close ₹164
52W High
₹168
52W Low
₹162
Market cap
₹10,758 Cr
IPO stage
No DRHP filed
CIN
U67190MH2011PLC211738
Price History
52W High
₹168
52W Low
₹162
About Incred Holdings Limited Unlisted Shares
Incred Holdings Limited . Get Latest News & Updates on Incred Holdings Price.
InCred is an innovative financial services company headquartered in India, committed to transforming the landscape of lending and financial solutions. The company operates with a vision to make finance accessible, simple, and efficient for individuals and businesses alike. InCred leverages advanced technology and analytics to provide a diverse range of financial products and services tailored to meet the unique needs of its customers.Incred Holdings Limited is holding company of InCred Financial Services Limited (IFSL), holding 100% stakes. A) InCred Holdings Limited (IHL) successfully expanded its financial services operations by merging KKR India Financial Services Limited (KIFSL) with the original InCred Financial Services Limited (IFSL). Following the merger, the new entity, initially named KIFSL, was rebranded as InCred Financial Services Limited and became a wholly-owned subsidiary of IHL. This strategic initiative unified the shareholder base by aligning the original IFSL shareholders with IHL, thereby simplifying and fortifying the company's ownership framework.B) The Company has two direct subsidiaries viz InCred Financial Services Limited and InCred Prime Finance Limited as on March 31, 2024. Further, the Company had two step down subsidiaries viz. Incred Finserv Private Limited (formerly known as InCred Management & Technology Services Private Limited) and InCred.Ai Limited. C) Key Offerings: Personal Loans: InCred offers personal loans designed to provide individuals with quick and hassle-free access to funds for various personal needs such as medical expenses, travel, or debt consolidation. Education Loans: The company provides education loans to support students in pursuing their academic goals, covering tuition fees, living expenses, and other related costs. Home Loans: InCred facilitates home loans, enabling individuals to realize their dream of homeownership by offering competitive and flexible mortgage solutions. Small Business Loans: Recognizing the importance of small businesses in the economy, InCred supports entrepreneurs with tailored financial solutions to fuel their business growth. D) Milestones: Inception and Founding: InCred was founded on the principles of innovation and customer-centricity. The company started its journey with the aim of addressing gaps in the traditional lending sector. Expansion of Product Portfolio: Over the years, InCred has expanded its product offerings to include a comprehensive suite of financial solutions, ensuring a holistic approach to meeting the diverse needs of its customer base. Technological Advancements: InCred has been at the forefront of leveraging technology to streamline processes, enhance customer experience, and optimize risk management. The incorporation of advanced analytics and digital platforms has set the company apart in the competitive financial services landscape. Strategic Partnerships: InCred may have formed strategic partnerships with various stakeholders, including financial institutions, technology firms, and other key players in the financial ecosystem to enhance its reach and capabilities. Market Presence: The company has likely expanded its market presence, serving customers across different regions in India and, potentially, exploring opportunities for growth beyond national borders. ... Read more
Company Details
Industry
NBFC & Lending
Min Lot Size
1
Face Value
₹10.00
Total Shares
655944906
Regulatory Information
Corporate Identity Number (CIN)
U67190MH2011PLC211738
PAN Number
AAECK1977B
ISIN
INE732W01014
Key Valuation Ratios
Valuation
Market Cap
₹10,757.50 Cr
P/E Ratio
7.08×
P/S Ratio
4.22×
P/B Ratio
2.47×
EV / EBITDA
3.76×
Returns & Per Share
ROE
34.96%
EPS
₹23.18
Book Value / Share
₹66.30
Solvency
Debt / Equity
—
Interest Coverage
2.82×
Company Fundamentals
As of FY2026 Annual · updated 23 Oct 2026Gross Profit
—
EBITDA
₹2,641.62 Cr
Revenue Growth
36.10%
Profit Margin
59.63%
Performance Trends
4 annual periods · derived from filed statements
Revenue
₹ Cr
Net Profit
₹ Cr · losses in red
Earnings Per Share
₹ per share
Return on Equity
ROE %
Return on Capital Employed
ROCE %
EBITDA Margin
103.60%
Interest Coverage
2.82×
Financial Statements
| Line item | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|
| Total Income | ||||
| Revenue from operationsDisclosed | 865.65₹ Crore | 1,272.7₹ Crore | 1,873.62₹ Crore | 2,549.93₹ Crore |
| Other incomeDisclosed | 15.05₹ Crore | 23.43₹ Crore | 20.15₹ Crore | 22.8₹ Crore |
| Total IncomeDerived | 1,703.66₹ Crore | 2,489.72₹ Crore | 3,586.26₹ Crore | 4,904.62₹ Crore |
| Expenses | ||||
| Employee benefits expenseDisclosed | 182.28₹ Crore | 264.58₹ Crore | 339.31₹ Crore | 427.05₹ Crore |
| Finance costsDisclosed | 358.02₹ Crore | 453.26₹ Crore | 627.17₹ Crore | 922.03₹ Crore |
| Depreciation and amortization expenseDisclosed | 13.27₹ Crore | 18.7₹ Crore | 18.32₹ Crore | 41.53₹ Crore |
| Operating expensesDisclosed | 0₹ Crore | 0₹ Crore | 0₹ Crore | 0₹ Crore |
| Other expensesDisclosed | 57.86₹ Crore | 139.94₹ Crore | 401.57₹ Crore | 608.76₹ Crore |
| Total ExpensesDerived | 945.21₹ Crore | 1,311.03₹ Crore | 2,201.32₹ Crore | 3,226.56₹ Crore |
| Profit | ||||
| Exceptional itemsDisclosed | 60.22₹ Crore | 20.11₹ Crore | 0₹ Crore | 0₹ Crore |
| Profit before taxDerived | 818.67₹ Crore | 1,198.8₹ Crore | 1,384.94₹ Crore | 1,678.06₹ Crore |
| Tax expenseDisclosed | 81.9₹ Crore | 90.5₹ Crore | 134.25₹ Crore | 157.62₹ Crore |
| Profit After TaxDerived | 736.77₹ Crore | 1,108.3₹ Crore | 1,250.69₹ Crore | 1,520.44₹ Crore |
| Total Income | ||||
| Interest earnedDisclosed | 822.96₹ Crore | 1,193.59₹ Crore | 1,692.49₹ Crore | 2,331.89₹ Crore |
| Expenses | ||||
| Interest expendedDisclosed | 358.02₹ Crore | 453.26₹ Crore | 627.17₹ Crore | 922.03₹ Crore |
| Total Income | ||||
| Net Interest IncomeDerived | 464.94₹ Crore | 740.33₹ Crore | 1,065.32₹ Crore | 1,409.86₹ Crore |
| Expenses | ||||
| Provisions and contingenciesDisclosed | -24.24₹ Crore | -18.71₹ Crore | 187.78₹ Crore | 305.16₹ Crore |
| Asset Quality | ||||
| Gross NPADisclosed | 2.1₹ Crore | 2.1₹ Crore | 1.94₹ Crore | 1.94₹ Crore |
| Net NPADisclosed | 2.1₹ Crore | 2.1₹ Crore | 72₹ Lakh | 72₹ Lakh |
Documents Library
Access all financial reports and filings
Annual Report
IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025
IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025
IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025
IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025
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Incred Finance ( Wholly Owned Subsidiary of Incred Holding ) Buying Gold Business others Incred Finance Buying Gold Business from Trucap Finance
Incred Finance ( Wholly Owned Subsidiary of Incred Holding ) Buying Gold Business others Incred Finance Buying Gold Business from Trucap Finance
Q1 FY25 Performance of InCred Financial corporate_action Financial Performance of InCred Financial Services for quarter ended 30 June, 2024
Q1 FY25 Performance of InCred Financial corporate_action Financial Performance of InCred Financial Services for quarter ended 30 June, 2024
Q1 FY25 Performance of InCred Financial corporate_action Financial Performance of InCred Financial Services for quarter ended 30 June, 2024
Q1 FY25 Performance of InCred Financial corporate_action Financial Performance of InCred Financial Services for quarter ended 30 June, 2024
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Current Price
₹164Secure & Verified Transaction
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About Incred Holdings Limited Unlisted Shares unlisted shares
Indicative · updated dailyIncred Holdings Limited unlisted share price today
Incred Holdings Limited unlisted share price today is ₹164 as of 23 October 2026.
Incred Holdings Limited Unlisted Shares — frequently asked questions
- What is the grey market price for Incred Holdings Limited?
No IPO is currently announced for Incred Holdings Limited, so no grey market exists; the price above reflects Priveq's own desk valuation.
- Has Incred Holdings Limited filed for an IPO, and when might it list?
Incred Holdings Limited has not filed a draft red herring prospectus, so no IPO is currently announced and no listing date has been set.
- How does Incred Holdings Limited compare to its listed peers?
There is no closely comparable listed company for Incred Holdings Limited in India today.
- Is Incred Holdings Limited on the SME or Mainboard IPO track?
Incred Holdings Limited has not filed a draft red herring prospectus, so no IPO track is set yet.
- What is Incred Holdings Limited's CIN and registered office?
Incred Holdings Limited's Corporate Identity Number is U67190MH2011PLC211738.
- What is Incred Holdings Limited's market capitalisation?
Incred Holdings Limited's market capitalisation is approximately ₹10,758 crore, based on its current unlisted share price.
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Buying, selling and holding unlisted shares
Applies to every company on Priveq- How do I buy Incred Holdings Limited unlisted shares?
Priveq Investech Private Limited is the named counterparty on every transaction. To buy Incred Holdings Limited unlisted shares: complete KYC once (PAN, Aadhaar, bank details, and demat account information — SEBI-compliant, typically approved within 24 hours), then submit your order through your Priveq dashboard specifying quantity. Our team confirms price and payment details with you directly. Once payment is confirmed, Incred Holdings Limited shares are transferred off-market straight to your demat account, with no pooling and no middlemen.
- How do I sell Incred Holdings Limited unlisted shares?
Submit an Express Sell Interest for Incred Holdings Limited through your Priveq dashboard, specifying quantity, the same way a buy order is placed. Priveq quotes you a bid price, which may differ from the live Buy price shown to buyers, since unlisted-share pricing works on a bid-ask basis rather than a single quote. Once you accept, you'll need to provide your Client Master List (CML), a cancelled cheque or bank details, and PAN. If you hold shares with CDSL, transfer can also be completed digitally via CDSL Easiest. You transfer Incred Holdings Limited shares to Priveq first, and payment follows once the transfer is confirmed received, typically the same day, T+1, or occasionally T+2, communicated to you directly. For sizeable transactions worth crores of rupees, an escrow arrangement can be used instead, at the sole consent of both parties.
- What is the minimum investment for Incred Holdings Limited unlisted shares?
Minimum investment varies by company and is shown as the Min Investment figure on this page. Incred Holdings Limited's minimum is ₹164.
- Is there a maximum investment limit?
There's no fixed maximum investment limit for Incred Holdings Limited unlisted shares. For sizeable transactions worth crores of rupees, an escrow arrangement can be used at the sole consent of both parties, the same mechanism available on the sell side.
- Is buying Incred Holdings Limited unlisted shares legal in India?
Yes. Buying and selling unlisted shares in India is legal and is subject to relevant SEBI regulations, including the mandatory lock-in period after listing, stamp duty, and depository participant charges on each transaction. Priveq's own KYC process is built to be SEBI-compliant.
- What is the lock-in period for Incred Holdings Limited unlisted shares?
Incred Holdings Limited has not filed a DRHP yet, so no listing date or lock-in period applies at this stage. Once an IPO is filed, this answer updates to reflect the applicable SME or Mainboard lock-in.
- What happens if Incred Holdings Limited's IPO is delayed or withdrawn?
If an IPO is delayed, shares remain unlisted and continue to trade on the desk at Priveq's indicative price, with no lock-in in effect until an actual listing happens. If a company formally withdraws its DRHP, the same applies: shares stay unlisted, with no lock-in period until and unless a fresh IPO process begins.
- How are capital gains on Incred Holdings Limited unlisted shares taxed?
If you sell unlisted shares, including Incred Holdings Limited, within 24 months of purchase, the gain is taxed as short-term capital gain at your applicable income tax slab rate. Beyond 24 months, it is taxed as long-term capital gain at 12.5 percent, without indexation benefit, under the rules effective from 23 July 2024. If Incred Holdings Limited lists and you sell after listing, the applicable tax treatment shifts to listed-security rates, with the holding period still measured from your original unlisted purchase date. This is general information, not tax advice; investors should confirm their specific position with a tax advisor.
- Can NRIs invest in Incred Holdings Limited unlisted shares?
Yes, on a non-repatriable basis. NRIs can invest using funds from an NRO account; sale proceeds stay within India unless repatriated separately under RBI's own limits. Priveq does not currently support repatriable investment (NRE/FCNR-funded), which would require the investee company to file additional RBI paperwork as foreign direct investment.
- Does Priveq charge a platform fee on top of the share price?
No. The price quoted to you is all-in; there is no separate platform fee or brokerage added on top.
- How does Priveq determine the desk price for Incred Holdings Limited?
Priveq's desk price reflects several inputs together, not a single formula: the seller's ask price at the time, current demand and supply on the platform for Incred Holdings Limited specifically, broader sentiment in the unlisted and pre-IPO market, how Incred Holdings Limited's sector and listed peers are trading, the company's own recent financial performance and IPO-stage developments, and recent transaction history where deals have actually closed.
Because unlisted shares trade over the counter rather than on an exchange, this price is indicative, not a continuously live quoted market price, and the actual deal price is confirmed with you directly before a transaction closes.
- Is Priveq SEBI-registered? Does it give investment advice?
Priveq is not a SEBI-registered stock exchange and not a SEBI-registered investment adviser. Priveq Investech Private Limited operates Priveq.in as a research and information platform for unlisted and pre-IPO shares, and is the named counterparty on transactions executed through the platform. Nothing on this page is investment advice; it's information to help you evaluate a company and decide for yourself.
- Am I eligible to invest through Priveq if I'm not an HNI?
Yes. Priveq isn't a stock exchange with membership restrictions, and investing isn't limited to HNIs. Depending on the company, entry points can start as low as ₹20,000, though the minimum for any specific company is shown as the Min Investment figure on its page.
- What documents do I receive after buying unlisted shares?
You receive an email acknowledging and confirming your order, along with a deal note or invoice recording the transaction details.
- What happens to my shares or money if a deal falls through?
Because Priveq is the direct counterparty on every transaction rather than just connecting a buyer and seller, this risk sits with Priveq, not with you. If a deal falls through after you've committed funds or shares, they remain safe, and Priveq guarantees a refund.