Introduction to InCred

Incred is a dynamic and customer-focused fintech company dedicated to reconceptualize lending and financial services in India. Established with the vision of providing innovative and accessible financial solutions, InCred has quickly become a trusted name in the sector.  Incred’s businesses are spread across retail and small business lending, wealth management, asset management, investment banking, and capital markets. They have offices in more than 24 cities in India and also in Singapore and Middle-east.


InCred Group was founded in 2016 by Bhupinder Singh who wanted to transform the financial landscape of India. The Group comprises of two main entities – InCred Financial Services and InCred Capital

 The institution was established with the aim of creating new-age Financial Services conglomerate offering a wide range of products. InCred’s journey began with a mission to redefine lending, putting the customer at the center of everything it does. Since their launch, they have served over 3.5 Lakh+ borrowers, 13000+ businesses, 5000+ students, and 10000+ Digital merchants. They have distributed loans over ₹ 18,000 Cr and have partnered with 1000+ businesses. InCred attracted top talent in the industry to build a dedicated team of professionals committed to delivering the best financial solutions.

Key milestones

  • 2016: InCred commenced its operations in 2016, with a vision to become a leading player in the financial services sector
  • 2017 – Raised over 5.85 billion and launched 4 retail and 5 MSME products
  • 2018 – Received top 25 startup award from Linkedin and also began expanding their employee headcount to 600
  • 2019 – Received ET Best Brand award 2019
  • 2020 – Acquired Qbera, a leading Fintech Platform, Received ET Best Brand of the year
  • 2021 – Forged a strategic partnership with e-comm giants Amazon and Flipkart to lend for their merchants, Received ET Best Brand of the year
  •  2022 – Reached a milestone of Rs. 5000 crore AUM, Completed the merger with KKR India Financial Services

Vision and Mission

Vision: To be a customer-centric, technology-driven financial services institution that empowers individuals and businesses to achieve their financial aspirations.

Mission: To provide innovative and customer-friendly financial solutions that simplifies access to credit and drive financial inclusion. To positively impact the socio-economic well-being of the lower middle class and helping in social mobility

Products and Services

InCred offers a wide array of financial products and services, meticulously designed to cater to the diverse and evolving needs of individuals and businesses:

Personal Loans

InCred’s personal loans offer individuals quick access to funds for various purposes, including travel, medical expenses, education, or any personal need. Competitive interest rates and flexible repayment terms make these loans a popular choice.

Education Loans

InCred supports students in their pursuit of education with loans that cover tuition fees, living expenses, and other educational costs, both in India and abroad.

SME Business Loans

Incred Offers small and medium business loans in terms of their requirement. Their collateral-free business loans can be acquired for managing work capital, invest in inventory, channel finance, and a host of other purposes. Budding entrepreneurs an avail their business loans and take their businesses to new heights

Digital Lending Platform

InCred’s user-friendly digital platform simplifies the application process, eliminating the need for extensive paperwork and ensuring a seamless experience.

Merchant loan

Incred has partnered with Amazon,  Flipkart, Swiggy, Cashfree Payments to provide loans to their merchants. With Incred’s Merchant loans, you can address all the vital requirements in your business.

Corporate Social Responsibility (CSR) Activities

InCred is committed to making a positive impact on society through their CSR activities. InCred’s CSR activities are aligned with its vision of financial inclusion and empowerment, extending support to the most vulnerable sections of society. Some of their initiatives include

Education Support: InCred actively participates in educational initiatives, providing scholarships and support to underprivileged students. The motive is to empower the society through education. They have supported more than 700+ girls for their education

Healthcare Initiatives: InCred supports healthcare programs, focusing on improving healthcare infrastructure in underserved areas. They have helped more than 100+ people from the below poverty line group get cataract surgery done. They also actively contributed medical equipments during Covid-19 peak.

Skill Development: InCred contributes to skill development programs, helping individuals acquire valuable skills for better employment opportunities


InCred’s diverse product and service portfolio is a testament to its commitment to providing financial solutions that empower individuals, businesses, and entrepreneurs across India.

Customer Care:

Toll-Free: 1860 500 2192 


(Note: The content provided is a creative representation and may not include all the specific details of InCred’s current status. For the most accurate and up-to-date information, please refer to the official InCred website.)