Incred Holdings Unlisted Shares
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Company Overview
Introduction to Incred Holdings Unlisted Share
InCred Holdings Limited (IHL) is a prominent financial services firm in India, dedicated to delivering accessible, technology-led financial solutions. It serves as the parent company of InCred Financial Services Limited (IFSL), which operates across multiple lending segments. By leveraging digital platforms and advanced data analytics, InCred focuses on making financial services simpler and more efficient for both individuals and businesses.
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In 2023, the company strengthened its operations by merging KKR India Financial Services Limited (KIFSL) with IFSL. Post-merger, the unified entity continued under the name InCred Financial Services Limited and became a wholly owned subsidiary of IHL, resulting in a more streamlined corporate structure.
Business Segments
Personal Loans:
Offers fast and flexible funding solutions for needs such as medical emergencies, travel, or debt consolidation.
Education Loans:
Provides financial assistance to students for tuition, accommodation, and other academic expenses.
Home Loans:
Delivers attractive mortgage options designed to support homebuyers.
Small Business Loans:
Tailored financing solutions aimed at supporting entrepreneurs and MSMEs in their growth journey.
Key Financial Highlights
1. Revenue Growth:
Interest income increased significantly from ₹488 crore in 2022 to ₹1,194 crore in 2024, indicating strong expansion in the lending portfolio.
2. Profitability Growth:
Profit After Tax (PAT) witnessed a sharp rise from ₹31 crore in 2022 to ₹309 crore in 2024, reflecting improved operational performance.
3. Earnings Per Share (EPS):
EPS grew from 1.61 in 2022 to 4.81 in 2024, demonstrating enhanced returns for shareholders.
4. Asset Growth:
Total assets expanded from ₹4,035 crore in 2022 to ₹8,768 crore in 2024, highlighting rapid business scaling.
5. Loan Book Expansion:
Advances increased from ₹3,733 crore in 2022 to ₹7,259 crore in 2024, reinforcing the company’s lending capabilities.
6. Asset Quality Stability:
Gross and Net NPAs remained steady at 2.1% in 2024, reflecting disciplined risk management.
7. Capital Strength:
Share capital rose from ₹192.75 crore in 2022 to ₹641.81 crore in 2024, strengthening the company’s financial base.
Pros
Strong financial growth driven by rising revenue and profitability
Stable asset quality with controlled NPAs
Technology-driven approach improving efficiency and customer experience
Cons
Increasing borrowings, leading to higher financial leverage
Volatility in other income, including a loss reported in 2023
Decline in cash reserves, which may impact liquidity positionUnlisted Share Details
| Detail | Information |
| Incred Holdings Unlisted Shares Price | 154 |
| Minimum Lot Size Shares Worth | Rs. 15000 |
| 52 Week High | ₹ 178 |
| 52 Week Low | ₹ 145 |
| PAN Number | AAECK1977B |
| ISIN | INE732W01014 |
| CIN | U63090GJ2012PLC107088 |
| Depository | U67190MH2011PLC211738 |
| RTA | Link Intime |
| Fundamentals | Value |
| Market Cap | 9971.77 |
| P/B Ratio | 2.62 |
| ROE (%) | 10% |
| EPS | 5.58 |
| PE RATIO | 27.6 |
| DEBT TO EQUITY | 1.73 |
| BOOK VALUE | 58.74 |
| FACE VALUE | 10 |
| Total Shares | 647517431 |
SHAREHOLDING PATTERN 2025
Promoters or Management
How to Buy or Sell Incred Holdings UNLISTED Shares
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Disclaimer: Prices mentioned are indicative and subject to market availability. Unlisted shares are illiquid and involve risk. Please consult a financial advisor before investing.
frequently asked questions
Find answers to the most common unlisted shares-related queries.
What are unlisted shares?
Unlisted shares are shares of companies that are not listed on stock exchanges like NSE or BSE but are legally traded through private transactions.
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Yes. Buying and selling unlisted shares is completely legal in India when done through proper documentation and compliant transfer processes.
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Can NRIs buy or sell unlisted shares?
NRIs can trade unlisted shares subject to RBI and FEMA regulations. Please contact us for specific guidance.
Do I need a Demat account to trade unlisted shares?
Yes, a Demat account is mandatory for buying or selling unlisted shares, as transfers happen electronically.
How long does it take to transfer unlisted shares?
The transfer process generally takes 2–5 working days, depending on documentation and company approval timelines.
Are prices shown on the website final?
Prices are indicative and may change based on market demand. Final prices are confirmed at the time of order through live chat.
What documents are required for trading?
Basic documents include PAN, Demat details, and KYC documents as per regulatory requirements.
Is my transaction secure?
Yes. All transactions are handled securely with proper agreements, verified documentation, and compliant transfer mechanisms.