INCRED HOLDINGS Unlisted Shares

InCred Holdings Ltd. is one of India's most prominent technology-led NBFCs, delivering personal loans, education loans, and SME credit through a seamless digital platform. At the current valuation, InCred Holdings unlisted shares available through Valowth Capital represent an attractive entry into India's booming fintech lending space before a potential public listing.

Founded by Bhupinder Singh — formerly a Deutsche Bank executive — InCred has built a differentiated underwriting engine that combines traditional credit analysis with data science and machine learning. This allows the company to serve borrowers who fall between the cracks of traditional banking — a market of hundreds of millions of potential customers in India.

Why InCred Holdings unlisted shares are attracting investor attention:India's retail credit penetration remains far below global averages, and NBFCs with strong digital capabilities and diversified loan books are best positioned to capture this growth. InCred has demonstrated consistent AUM growth, expanding into education finance (a particularly high-demand segment), consumer loans, and SME credit.

The fintech lending sector has attracted significant VC and PE capital globally, and Indian players like InCred are increasingly being viewed as candidates for IPOs as the market matures and regulatory clarity improves. Early investors in unlisted fintech companies have historically seen strong returns upon listing.

Valowth Capital ensures smooth, verified demat-based transfer of InCred Holdings unlisted shares with complete documentation and KYC support.

Tax note: LTCG on unlisted shares held over 24 months = 20% with indexation. STCG = taxed per your slab. No STT applicable.