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InCred Reviews

Mumbai, Maharashtra

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InCred Group is a diversified financial services platform headquartered in Mumbai, India. Founded in 2016 by Bhupinder Singh, the firm has rapidly established itself as a prominent, tech-driven institution within the Indian financial services landscape. InCred operates by leveraging advanced technology and data science to deliver a suite of financial solutions across multiple distinct business segments: InCred Finance, InCred Capital, and InCred Money. InCred Finance serves as the group’s lending-focused Non-Banking Financial Company (NBFC). It provides tailored credit solutions for personal, education, and business needs. Its consumer lending portfolio features unsecured personal loans aimed at managing urgent expenses and specialized student loans designed to support Indian students pursuing higher education abroad, with loan amounts extending up to INR 1 crore. Within its MSME vertical, InCred provides secured business loans, anchor-backed financing, escrow-backed lending, and specialized school financing options designed to upgrade K-12 educational institutions. InCred Finance maintains a technology-driven, risk-first approach that enables fully digital onboarding, remote document verification, and rapid processing times. The lending arm has experienced substantial growth, managing a loan book that exceeds INR 12,384 crore. It completed a milestone merger with KKR India Financial Services in July 2022, which further boosted its equity base and balance sheet capabilities. The company holds strong credit ratings of AA-/Stable from CRISIL and CARE. InCred Capital functions as the group's integrated institutional, wealth management, and asset management platform. InCred Wealth offers insightful, client-centric investment distribution services across 200+ cities in India and over 40 countries, managing assets under management (AUM) exceeding INR 50,000 crore. InCred Asset Management specializes in delivering distinctive alternative investment funds (AIFs) and portfolio management services (PMS) across various strategies, including long-only equity and structured debt. The investment banking division provides expert advisory services across mergers and acquisitions (M&A), private equity, credit structuring, and syndication in the wholesale debt market. InCred Money operates as a digital investment distribution platform designed to democratize access to high-quality, low-ticket investment options for retail and mass-affluent segments. The platform allows users to invest in fixed-income products such as corporate bonds, securitized debt instruments (SDIs), corporate fixed deposits, and theme-based bond baskets. Led by founder and CEO Bhupinder Singh alongside a senior executive team, InCred Group employs over 3,500 people and manages a network of more than 150 branches across India. In November 2023, the group secured $60 million in a funding round that propelled it to unicorn status with a valuation exceeding $1 billion, allowing it to continue scaling its operations and product innovation throughout the domestic market.