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INCRED· ISIN INE732W01014 Verified
Incred Holdings Limited Unlisted Shares logo

Incred Holdings Limited Unlisted Shares

NBFC & Lending
₹164+0.00%

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

As of FY2026 Annual · updated 23 Oct 2026Derived

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 2026

Gross Profit

—

EBITDA

₹2,641.62 Cr

Revenue Growth

36.10%

Profit Margin

59.63%

Performance Trends

4 annual periods · derived from filed statements

As of FY2026 Annual · updated 23 Oct 2026

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

As of FY2026 Annual · updated 23 Oct 2026
Disclosed reportedDerived calculated
Line itemFY2023FY2024FY2025FY2026
Total Income
Revenue from operationsDisclosed865.65₹ Crore1,272.7₹ Crore1,873.62₹ Crore2,549.93₹ Crore
Other incomeDisclosed15.05₹ Crore23.43₹ Crore20.15₹ Crore22.8₹ Crore
Total IncomeDerived1,703.66₹ Crore2,489.72₹ Crore3,586.26₹ Crore4,904.62₹ Crore
Expenses
Employee benefits expenseDisclosed182.28₹ Crore264.58₹ Crore339.31₹ Crore427.05₹ Crore
Finance costsDisclosed358.02₹ Crore453.26₹ Crore627.17₹ Crore922.03₹ Crore
Depreciation and amortization expenseDisclosed13.27₹ Crore18.7₹ Crore18.32₹ Crore41.53₹ Crore
Operating expensesDisclosed0₹ Crore0₹ Crore0₹ Crore0₹ Crore
Other expensesDisclosed57.86₹ Crore139.94₹ Crore401.57₹ Crore608.76₹ Crore
Total ExpensesDerived945.21₹ Crore1,311.03₹ Crore2,201.32₹ Crore3,226.56₹ Crore
Profit
Exceptional itemsDisclosed60.22₹ Crore20.11₹ Crore0₹ Crore0₹ Crore
Profit before taxDerived818.67₹ Crore1,198.8₹ Crore1,384.94₹ Crore1,678.06₹ Crore
Tax expenseDisclosed81.9₹ Crore90.5₹ Crore134.25₹ Crore157.62₹ Crore
Profit After TaxDerived736.77₹ Crore1,108.3₹ Crore1,250.69₹ Crore1,520.44₹ Crore
Total Income
Interest earnedDisclosed822.96₹ Crore1,193.59₹ Crore1,692.49₹ Crore2,331.89₹ Crore
Expenses
Interest expendedDisclosed358.02₹ Crore453.26₹ Crore627.17₹ Crore922.03₹ Crore
Total Income
Net Interest IncomeDerived464.94₹ Crore740.33₹ Crore1,065.32₹ Crore1,409.86₹ Crore
Expenses
Provisions and contingenciesDisclosed-24.24₹ Crore-18.71₹ Crore187.78₹ Crore305.16₹ Crore
Asset Quality
Gross NPADisclosed2.1₹ Crore2.1₹ Crore1.94₹ Crore1.94₹ Crore
Net NPADisclosed2.1₹ Crore2.1₹ Crore72₹ Lakh72₹ Lakh

Documents Library

Access all financial reports and filings

Annual Report

2026-annual-report-1788935935.pdf

1.2 MB

annual report 2024

2024
47.5 MB

annual report 2025

2025
23.7 MB

Quarterly Report

Q1 FY25 Performance of InCred Financial corporate

1.2 MB

Income Statement

financial result 2023

2023
1.0 MB

Document

Incred Finance Wholly Owned Subsidiary of Incred

1.0 MB

IPO Intimation of InCred Holdings others InCred in

0.4 MB

Shareholding Pattern

Others

52.28%

KKR India Financial Investments Pte. Ltd

23.19%

B Singh Holdings

15.58%

MNI Ventures

8.95%

B

Bhupinder Singh

Whole Time Director, CEO

25+

LinkedIn
V

Vivek Bansal

CFO

25+

LinkedIn
A

Anil Nagu

Non Executive Director

30+

LinkedIn
V

Vivek Anand PS

Non Executive Director

20+

LinkedIn

IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025

others
17/06/2025

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

others
17/06/2025

IPO Intimation of InCred Holdings others InCred invites eligible shareholders to participate in its IPO via OFS; response due by July 2, 2025

Incred Finance ( Wholly Owned Subsidiary of Incred Holding ) Buying Gold Business others Incred Finance Buying Gold Business from Trucap Finance

others
25/02/2025

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

others
25/02/2025

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

corporate action
15/08/2024

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

corporate action
15/08/2024

Q1 FY25 Performance of InCred Financial corporate_action Financial Performance of InCred Financial Services for quarter ended 30 June, 2024

Express buy interest

No commitment — the desk will reach out

Current Price

₹164
+0.00%
Min lot: 1
Price/share₹164
Quantity100
Estimated Total₹16,400

Secure & Verified Transaction

Unlisted shares are illiquid and carry higher market risks. Please read the Risk Disclosure before investing.

Talk to a Specialist

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52 Week Range
₹162
₹168

About Incred Holdings Limited Unlisted Shares unlisted shares

Indicative · updated daily

Incred 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.

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