InCred Finance Bonds
3 bonds issued by InCred Finance, listed across Indian platforms and sorted by yield to maturity (YTM). Compare YTM, coupon, tenure, credit rating and minimum investment.
About InCred Finance
InCred Financial Services Limited is a retail-focused NBFC incorporated in 2016 and built around technology-led underwriting. It merged with KKR India Financial Services in August 2022, which brought the KKR India lending book into the group. The loan book is weighted towards unsecured retail credit: personal loans are the largest segment at roughly half of assets under management, followed by student loans at about a quarter, with anchor and escrow-backed business loans, lending to other financial institutions, secured school financing and loan against property making up the rest. Capitalisation is the agency-cited strength, with a capital adequacy ratio well above the regulatory floor.
- AUM
- Rs 11,476 crore
- Gross NPA
- 2.1%
- Capital adequacy
- 27.25%
Figures as of 31 Dec 2024. Rated by CRISIL. Source: rating rationale.
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Plan your bond ladderWho is InCred Finance?
InCred Financial Services Limited is a retail-focused NBFC incorporated in 2016 and built around technology-led underwriting. It merged with KKR India Financial Services in August 2022, which brought the KKR India lending book into the group. The loan book is weighted towards unsecured retail credit: personal loans are the largest segment at roughly half of assets under management, followed by student loans at about a quarter, with anchor and escrow-backed business loans, lending to other financial institutions, secured school financing and loan against property making up the rest. Capitalisation is the agency-cited strength, with a capital adequacy ratio well above the regulatory floor. Its bonds are issued under the legal name InCred Financial Services Limited.
Is it safe to invest in InCred Finance bonds?
InCred Finance's listed bonds carry an AA- credit rating from CRISIL; as of 31 Dec 2024 the company reported AUM of Rs 11,476 crore, gross NPA of 2.1% and capital adequacy of 27.25%. A credit rating measures the chance of default, not price stability, and corporate bonds are not covered by DICGC deposit insurance. Read the issuer's latest rating rationale before you invest.
What yield do InCred Finance bonds offer right now?
As of Sept 2026, the 3 listed InCred Finance bonds yield between 9% and 9.4% (average 9.2%), against roughly 6-7% on a comparable bank FD.