Meet InCred Holdings Limited
InCred Holdings Limited(IHL) is a pioneering financial services company that aims to make lending simple, accessible, and efficient for individuals and businesses in India. InCred uses state-of-the-art technology, sophisticated analytics, and a customer-centric perspective to fill the gaps in the conventional finance network with inventive lending services.
Company Structure & Strategic Expansion
InCred Holdings Limited is the holding entity of InCred Financial Services Limited (IFSL) and holds 100% stake in the same. About InCred Holdings Group: InCred Holdings Limited (formerly known as InCred Finance Limited) is India’s fast growth consumer lending company which recently merged with KKR India Financial Services Limited (KIFSL) as part of strategic expansion. [The merger simplified the company’s shareholder base by unifying the original IFSL shareholders ownership to IHL and further solidifying the company’s financials.]
Emerging from this robust corporate framework and a growth-assured approach, InCred has come to establish itself as one of the dominant players on India’s NBFC landscape, seamlessly providing multiple financial products catering to retail as well as institutional clientele.
InCred’s Financial Offerings
1. Personal Loans
InCred – offers an instant and easy approach to personal loans for individuals to fulfill their financial requirements with:
- Medical expenses
- Education costs
- Debt consolidation
- Travel & lifestyle needs
InCred is one of the preferred choices of a borrower when it comes to personal loan due to its minimum paperwork and faster disbursal process.
2. Education Loans
Knowing the significance of higher education, InCred offers student loans to fund:
- Tuition fees
- Living expenses
- Examination and travel costs
- Academic materials related expenses
These loans cater to students studying in India or abroad to fulfil their educational goals.
3. Home Loans
InCred provides economical and budget-friendly home loan services at lower interest rates, allowing individuals to:
- Buy a new home
- Renovate an existing property
- Invest in real estate
InCred offers flexible repayment tenures and tailor-made loan arrangements to ensure a hassle-free home ownership experience.
4. Small Business Loans
InCred offers the following business loans to promote entrepreneurship and economic development:
- Working capital requirements
- Expansion & modernization of businesses
- Equipment & Machinery Purchases
- Scaling operations
These loans cater to startup, MSME and established enterprises, allowing them to get the proper financial muscle they need to grow.
Key Milestones & Achievements
1. Visionary Foundation & Growth
Incred was formed with the long-term vision of transforming digital lending across India using technology and finance. For the establishment of the company, it aims to resolve undesirable factors of traditional bank, and solution of issues in financial required on time, secured and confirmation.
2. Broadening Our Product Range
1- Agnivesh Ghosh, VP, IIFL Securities: InCred has grown its focus from a niche product play in Consumer Lending, SME loans, Education Loans, and so on to a wider FSP play across the financial ecosystem. Whether it is retail loans or institutional financing, the InCred platform assures its customers of a convenient availability of the correct financial resources.
3. Technology-Driven Innovation
The technology and AI-powered risk assessment are key differentiators for InCred. Using big data analytics and digital lending platforms, the company has streamlined:
- Credit underwriting processes
- Loan disbursement speeds
- Customer experience & satisfaction
4. The Merchants of Merging & Partnership
The merger with KKR India Financial Services Limited (KIFSL) was a pioneering step that offered:
- A stronger capital base
- Enhanced market credibility
- Greater access to financial resources
InCred also holds strategic alliances with other major finance firms, tech enterprises, and fintech firms to further solidify its footing in the market.
5. Expanding Market Presence
InCred, which has operations across multiple asset classes in India and is on a growing trajectory, aspires to:
- Expand its loan book size
- Tap into underserved financial markets
- Improve its customer acquisition approach
It is also expanding into international markets, emerging as a major contender in the borderless financial technologies space.
Reasons to buy InCred Holdings Limited Unlisted Shares
1. Strong Financial Performance
Its steady growth in operations, loan disbursement volumes, and market footprint speaks of its profitability and sustainability: InCred
2. Tech & Innovation-Based Model
The AI-driven credit assessment reduces associated risk, while enhancing the efficiency of lending, enabling InCred to do so in a way that mitigates risks and enhances longer-term viability of the business.
3. Potential for Growth Through Strategic Mergers
The merger of KKR India Financial Services has further solidified InCred’s competitive standing in the market and made it an exciting investment opportunity.
4. Diverse Product Portfolio
InCred caters to multiple financial segments like personal and education loans, SME & home loans which ensure revenue diversification.
5. Expanding Market Reach
Its breakneck expansion through urban, semi-urban, and rural markets makes InCred teed up for scalable and sustainable long-term success, said Mukherjee.
Final Thoughts
About InCred Holdings Limited InCred is building the leading technology-based financial services platform in India providing customers access to a wide range of products across multiple verticals. Judging Nbfc’s future if we have to have very common perspective as being fast-growing NBFC in India it looks to be an attractive investment nest for NBFC sector in India.
Well-funded, with unique products and the ability to reach untapped markets, InCred is poised to become a strong competitor in India’s lending market.
