Incred Holdings Limited Unlisted Share
₹158▼1.25%(2.00)
About the company
InCred Holdings Limited is an Indian financial services company that provides a wide range of lending and financial solutions to individuals, small businesses, and enterprises. The company combines technology, data analytics, and a customer-first approach to make borrowing faster, simpler, and more accessible across multiple financial segments.
Its product portfolio includes personal loans, education loans, MSME financing, and other credit solutions designed to meet diverse customer needs. By leveraging digital platforms and advanced risk assessment models, InCred aims to deliver a seamless borrowing experience while expanding financial access and supporting the evolving credit requirements of customers across India.
Fundamentals
Valuation
| Metric | Value |
|---|---|
| 52 week high | ₹175 |
| 52 week low | ₹148 |
| P/B ratio | 2.68 |
| ROE (%) | 9.81% |
| Book value | ₹58.14 |
| Face value | ₹10 |
52 week high
52 week low
P/B ratio
ROE (%)
| Metric | Value |
|---|---|
| 52 week high | ₹175 |
| 52 week low | ₹148 |
| P/B ratio | 2.68 |
| ROE (%) | 9.81% |
Registry
| Metric | Value |
|---|---|
| PAN number | AAECK1977B |
| ISIN number | INE732W01014 |
| CIN | U67190MH2011PLC211738 |
Figures in cr ·
Financials
| P&L Statement | 2025Latest | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| PAT | 373 | 309 | 109 | 31 |
| EPS | 5.76 | 4.81 | 1.83 | 1.61 |
| Interest earned | 1692 | 1194 | 866 | 488 |
| Interest expended | 627 | 453 | 356 | 219 |
| Other income | 202 | 103 | -45 | 36 |
| Operating expenses | 571 | 442 | 273 | 263 |
| Provisions & contingencies | 188 | -19 | 0 | 0 |
| Gross NPA (%) | 1.94 | 2.1 | 2.1 | 2.8 |
| Net NPA (%) | 0.72 | 2.1 | 2.1 | 2.8 |
Shareholding Pattern
KKR India Financial Investments Pte. Ltd
B Singh Holdings
MNI Ventures
Others
| Holder | Percentage |
|---|---|
| KKR India Financial Investments Pte. Ltd | 23.19% |
| B Singh Holdings | 15.58% |
| MNI Ventures | 8.95% |
| Others | 52.28% |
Leadership
Frequently asked questions
Common questions on Incred Holdings Limited Unlisted Share—tap a row to read the answer.
Q.1How can I buy InCred Holdings Limited Unlisted Shares?
If you're planning to buy InCred Holdings Limited unlisted shares, you'll generally need an active Demat account, PAN, bank account, and completed KYC. Start by checking the latest share price and availability in the unlisted market.
Once the price and quantity are finalized, you can complete the payment as per the agreed terms. After the settlement process is completed, the shares are transferred to your Demat account. Before investing, it's advisable to review the company's business model, financial performance, valuation, and future growth prospects.
Q.2How can I sell InCred Holdings Limited Unlisted Shares?
If you already own InCred Holdings Limited shares and wish to sell them, you can first check the current buying price and market demand.
After finalizing the transaction with a buyer, the shares are transferred from your Demat account through the standard settlement process. Once the transfer is completed, the payment is released as agreed. Since these are unlisted shares, liquidity and pricing may vary depending on market demand.
Q.3What is the lock-in period for InCred Holdings Limited Unlisted Shares?
Generally, unlisted shares can be bought and sold in the private market without a standard lock-in period unless specific restrictions apply to a particular allotment or transaction.
If InCred Holdings Limited launches an IPO in the future, shares acquired before the IPO may become subject to a lock-in period under the SEBI regulations applicable at that time. Investors should always refer to the latest regulatory guidelines before making investment decisions.
Q.4How is DIS used to sell InCred Holdings Limited Unlisted Shares?
A Delivery Instruction Slip (DIS) is used to authorize the transfer of shares from your Demat account to the buyer's Demat account.
The seller provides details such as the ISIN, quantity of shares, and the buyer's Demat account information before submitting the DIS to the Depository Participant (DP). Many DPs also offer an electronic eDIS facility, making the transfer process faster and more convenient.
Q.5What is the minimum investment required to buy InCred Holdings Limited Unlisted Shares?
The minimum investment depends on the current InCred Holdings share price and the minimum quantity available for purchase.
Since prices and availability change over time, there is usually no fixed investment amount. It's always a good idea to confirm the latest market price and available quantity before making an investment.
Q.6Is buying InCred Holdings Limited Unlisted Shares legal in India?
Yes. Buying and selling unlisted shares is generally legal in India, provided the transaction is carried out in accordance with applicable laws and regulations.
Investors should complete the required KYC formalities, use valid Demat and bank accounts, and maintain proper transaction records. Conducting thorough due diligence before investing is also recommended.
Q.7How are short-term capital gains on InCred Holdings Limited Unlisted Shares taxed?
If you sell your shares within the holding period classified as short-term under the prevailing Income Tax rules, the profit earned may be treated as Short-Term Capital Gain (STCG).
The applicable tax depends on the tax laws in force at the time of sale and your individual tax circumstances. As tax rules may change, consulting a qualified tax advisor is advisable.
Q.8How are long-term capital gains on InCred Holdings Limited Unlisted Shares taxed?
If the shares are held for the period required to qualify as a long-term capital asset before being sold, the gains may be treated as Long-Term Capital Gain (LTCG).
The applicable tax treatment depends on the prevailing Income Tax provisions at the time of sale. Investors should maintain proper records of the purchase date, acquisition cost, and sale value to ensure accurate tax calculation and smooth tax filing.
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