Incred Holdings Limited Unlisted Shares

INCRED_HOLDINGS_LIMITED · Financials

Incred Holdings Limited

INCRED_HOLDINGS_LIMITEDFinancials

₹154

+4.4%

P/E Ratio

26.19

P/B Ratio

2.56

ROE

9.81%

Mkt Cap

₹9,774 Cr

52W Low ₹14852W High ₹180

Settlement

05 Aug 2026

Min. units

500

Price History

▼ ₹11 (−6.67%) over all time

Share Price & Details

Key figures for Incred Holdings Limited

Price: ₹154
Market Cap: ₹9,774 Cr
P/E Ratio: 26.19
P/B Ratio: 2.56
Debt to Equity: 2.2
ROE (%): 9.81%
Book Value: ₹58.14
Face Value: ₹10
Lot Size: 500
Total Shares: 65,59,44,906

About Incred Holdings Limited

InCred Holdings Limited anchors the InCred Group’s lending, wealth and asset management businesses. The platform serves retail, MSME and student segments through InCred Financial Services while offering investment products via InCred Capital and InCred Asset Management. Corporate communications highlight digital origination, data-science-led underwriting and risk management. The group has raised capital from marquee investors and reported strong growth in loan book and client assets. InCred positions itself as a tech-enabled financial services firm focused on governance, customer experience and diversified growth across lending and investment verticals in India. Information is summarised from the company's official website and credible profiles.

Key Highlights

Rapid revenue and PAT growth reveal a robust economic trajectory and effective business development.
Maintaining NPAs at 2.1% ensures strong uncertainty management and loan book quality.
Advanced analytics and digital platforms enhance lending efficiency and patron experience.

Shareholding Pattern

Others52.28%

MNI Ventures8.95%

B Singh Holdings15.58%

Pros

Rapid revenue and PAT growth reveal a robust economic trajectory and effective business development.
Maintaining NPAs at 2.1% ensures strong uncertainty management and loan book quality.
Advanced analytics and digital platforms enhance lending efficiency and patron experience.

Cons

Liabilities rose from ₹2,816 Cr (2022) to ₹5,017 Cr (2024), increasing monetary leverage risks.
A ₹45 Cr loss in 2023 suggests volatility in non-core revenue streams.
Cash balances dropped from ₹393 Cr (2023) to ₹168 Cr (2024), impacting liquidity.

Analyst Insights

Investment Overview

Incred Holdings Limited is an unlisted company operating in the Financials sector (Financial Services). InCred Holdings Limited anchors the InCred Group’s lending, wealth and asset management businesses. The platform serves retail, MSME and student segments through InCred Financial Services while offering investment products via InCred Capital and InCred Asset Management. Corporate communications high…

Strengths

Powerful Growth: Rapid revenue and PAT growth reveal a robust economic trajectory and effective business development.
Stable NPAs: Maintaining NPAs at 2.1% ensures strong uncertainty management and loan book quality.
Technological Edge: Advanced analytics and digital platforms enhance lending efficiency and patron experience.

Key Risks

High Borrowings: Liabilities rose from ₹2,816 Cr (2022) to ₹5,017 Cr (2024), increasing monetary leverage risks.
Negative Other Income (2023): A ₹45 Cr loss in 2023 suggests volatility in non-core revenue streams.
Declining Cash Reserves: Cash balances dropped from ₹393 Cr (2023) to ₹168 Cr (2024), impacting liquidity.

Valuation View

The current unlisted market price is ₹147.51 per share with a market capitalisation of approximately ₹9774 crore. The company is currently unlisted and investors should factor in illiquidity risk and longer holding horizons. Investors are advised to review the full financial data and consult an advisor before investing.

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