INCRED FINANCIAL SERVICES LIMITED

ISIN: INE321N07632

YTM Icon9.10%
YTM
₹ 1,01,299.32
Min Investment
Quarterly
Payout
₹ 1,00,000
Face Value
8.60%
Coupon
06 Mar 2028
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

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About The Issuer

InCred Financial Services Limited is a retail-focused NBFC incorporated in 2016. It built its platform through the acquisition of Visu Leasing and Finance and later merged with KKR India Financial Services in August 2022. The company now operates a diversified lending franchise across personal loans, student loans, specialised MSME loans, lending to financial institutions, and secured business loans including LAP and school financing

Metric
FY25
AUM (₹ Cr)
14,447 (Dec 2025)
Total assets (₹ Cr)
12,407 (Dec 2025)
PAT (₹ Cr)
312 (Dec 2025)
Gross NPA
2.3% (Dec 2025)
Gearing
2.5x (Dec 2025)
RoMA
2.7%
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Unsecured lending exposure risk:Asset quality remains susceptible because a large portion of the portfolio is in unsecured retail segments
Seasoning risk:Fast-growing retail portfolios such as personal loans, student loans, and LAP have limited seasoning
Student loan concentration risk:Overseas student loan book is exposed to geographies such as US, UK & Ireland, and Canada
Asset quality trend watch:90+ dpd increased to 2.3% from 2.0%; adjusted for write-offs it increased to 3.3% from 3.0%

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Trade & Settlement

Trade date
07 May 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹1,01,299.32
Investment amount
₹1,01,299.32
Total Interest
₹17,412.05
Total Receivable
₹1,17,412.05

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