Incred Holdings Unlisted Shares

₹ 171

Incred Holdings Unlisted Shares Prices

Incred Holdings Unlisted Shares Description

InCred Holdings Limited is a Mumbai-based financial services company, started in 2011. It offers loans (like personal, education, and business loans), wealth management, and investment services through its group companies—InCred Finance, InCred Capital, and InCred Money. In 2023-24, it earned ₹1,273 crore in revenue and ₹309 crore in profit, with strong financial health and a 98% loan collection rate. It became a unicorn (valued over $1 billion) in 2023 and plans to launch an IPO in 2025. The company is led by Bhupinder Singh, a former Deutsche Bank executive, and is known for its tech-driven and customer-focused approach.

Incred Holdings Unlisted Shares Key Ratios

Earning Per Share 5.07

No. Of Shares 65,35,17,431

Market Cap ₹ 11,175.15 Cr

PE Ratio 33.73

ISIN INE732W01014

Available On CDSL & NSDL

Face Value 10

Debt/Equity Ratio 0.60

ROCE 10.40%

ROE 9.10%

EBITA Margin 68.20%

PAT Margin 24.30%

Incred Holdings Unlisted Shares Information

(Rs. in crores)

Particulars	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20
Net Revenue	1,272.70	865.65	488.03	397.50	757.98
Other Income	23.43	15.05	36.24	5.02	0.28
Total Income	1,296.13	880.70	524.27	402.52	758.26
Employee Benefit Expense	264.58	192.28	139.21	37.86	39.53
Depreciation	18.70	13.27	12.28	3.82	3.20
Finance Costs	453.26	356.02	219.47	228.90	387.71
Other Expenses	160.05	128.18	111.46	114.37	1,996.97
Total Expenses	896.59	689.75	482.42	384.95	2,427.41
Profit Before Tax	399.54	190.95	41.85	17.57	-1,669.15
Income Tax	90.50	81.90	11.03	176.20	-384.73
Profit After Tax	309.04	109.05	30.82	-158.63	-1,284.42

(Rs. in crores)

Particulars	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20
Share Capital	641.82	595.24	192.76	192.50	191.47
Reserves and Surplus	2,744.96	1,952.56	922.43	1,282.50	1,441.39
Total Equity	3,386.78	2,547.80	1,115.19	1,475.00	1,632.86
Other Long Term Liabilities	22.66	7.27	9.18	0.51	0.00
Long Term Provisions	0.00	0.00	10.53	2.78	2.12
Total Non-current Liabilities	22.66	7.27	19.71	3.29	2.12
Short Term Borrowings	5,017.15	3,864.37	2,815.89	996.31	1,858.18
Trade Payables	2.72	1.72	0.00	10.90	8.57
Other Current Liabilities	281.77	229.97	83.85	443.02	1,484.32
Short Term Provisions	56.55	27.66	0.00	0.00	1.50
Total Current Liabilities	5,358.19	4,123.72	2,899.74	1,450.23	3,352.57
Total Equity and Liabilities	8,767.63	6,678.79	4,034.64	2,928.52	4,987.55
Tangible Assets	50.31	43.59	34.80	8.65	2.27
Intangible Assets	70.39	74.45	10.86	298.94	299.62
Capital WIP	3.37	1.62	2.94	0.53	0.31
Net Deferred Tax Assets	394.97	477.07	20.39	300.61	477.07
Long Term Loans & Advs	8.79	13.89	14.69	36.84	36.71
Other Non-current Assets	46.42	69.96	12.10	128.44	130.99
Total Non-current Assets	574.25	680.58	95.78	774.01	946.97
Current Investments	612.67	70.34	81.20	13.69	806.21
Trade Receivables	0.00	0.02	1.08	1.61	2.85
Cash and Bank Balances	168.21	392.68	84.97	750.05	661.92
Short Term Loans & Advs	7,412.50	5,535.17	3,771.61	1,389.16	2,560.65
Other Current Assets	0.00	0.00	-	-	8.95
Total Current Assets	8,193.38	5,998.21	3,938.86	2,154.51	4,040.58
Total Assets	8,767.63	6,678.79	4,034.64	2,928.52	4,987.55