About UC Inclusive Credit
UC Inclusive Credit is a Financial Services company based in Bengaluru (India) founded in 2016 by Thrupti Alva, Abhijit Ray, and Shrihari Kulkarni. Provider of financial inclusion services to underserved sectors. UC Inclusive Credit has raised $12.45 million across 4 funding rounds from investors including Axilor Ventures, Unitus Capital and Aarin Capital. The company has 28 employees. UC Inclusive Credit was last valued at $33.05 million in November 2023. Its Indian entity Uc Inclusive Credit Private Limited reported revenue of ₹110 Cr. UC Inclusive Credit offers products and services including Credit Services and Empowerment Programs. Its focus areas include Consumer and SME Loans, SME Loans and Diversified. Its competitors include Manappuram Finance, L & T Finance Holdings and IIFL Finance; 1 of its 3 listed competitors has raised funding.
Company details
UC Inclusive Credit was established in 2016 in Bengaluru, India, as a provider of financial inclusion services. Products and services are directed toward underserved sectors such as healthcare, clean technology, education, agriculture, and womens empowerment. Sustainable and profitable ventures are developed with a focus on technology-driven businesses. Operations involve collaboration with a network of investors to expand impact in these areas.
- Headquarters Bengaluru, India
- Employees 28
- Founders Thrupti Alva, Abhijit Ray, Shrihari Kulkarni
- Stage Minicorn
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website ucinclusive.in
- Social LinkedIn
- Legal Name Uc Inclusive Credit Private Limited
- Date of Incorporation 17 Jun, 2016
- Jurisdiction Bangalore, Karnataka, India
- Annual Revenue₹110 Cr
FY 2026 · -18% YoY
- Net Profit₹7.02 Cr
FY 2026 · 6% margin
- EBITDA₹70.29 Cr
FY 2026 · 64% margin
- Total Equity Funding$12.45M (USD)
in 4 rounds
- Latest Funding Round$8M (USD), Series A
Nov 2023
- InvestorsAxilor Ventures
& 25 more
- Employee Count28
Associated legal entities of UC Inclusive Credit
UC Inclusive Credit operates through Uc Inclusive Credit Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Uc Inclusive Credit Private Limited CIN U65929KA2016PTC094208 | Active | 17 Jun 2016 | Bangalore North, Karnataka | ₹110 Cr | 28 | 5 | View details |
Products & Services of UC Inclusive Credit
UC Inclusive Credit offers a comprehensive portfolio of products and services, including Credit Services and Empowerment Programs.
Provides loans for financial empowerment and inclusion
Offers support in education and healthcare for livelihood
Funding Insights of UC Inclusive Credit
UC Inclusive Credit has successfully raised a total of $12.45M across 4 strategic funding rounds. The most recent funding activity was a Series A round of $8 million completed in November 2023. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $12.45M
- Total Rounds 4
- Last Round Series A — $8M
- First Round $3.8M
(Jun 2019)
- Investors Count 26
All 4 funding rounds of UC Inclusive Credit with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Nov 2023 | $8M | Series A | $33.05M | Insitor Partners | – |
| Mar 2022 | $647,050 | Series A | $23.5M | Innovations, Nimida Group | |
| Jan 2022 | Debt – Conventional | – | – | ||
| Jun 2019 | $3.8M | Series A | $••••• | Aarin Capital, Mohan Alexander |
| Date | Valuation | Stage |
|---|---|---|
| Nov 2023 | $33.05M | •••••••• |
| Mar 2022 | $23.5M | •••••••• |
| Jun 2019 | $••••• | •••••••• |
Full valuation and stage history of UC Inclusive Credit
Every valuation point, the growth-stage changes (minicorn, soonicorn, unicorn) and the dates behind them require an active premium plan.
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Last known valuation $33.05M (Nov 2023). 26 investors in total: 10 institutional and 16 angel.
Investors in UC Inclusive Credit
UC Inclusive Credit has secured backing from 26 investors, including venture fund, institutional, and angel investors. Prominent investors backing the company include Axilor Ventures, Unitus Capital and Aarin Capital.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Provider of impact investment firm based in Singapore focused on investing in startups and early-stage social businesses | insitorpartners.com | Singapore, Singapore | ||
Venture funding in technology-intensive businesses within healthcare, education, and India-centric markets. | 2012 | aarincapital.com | Bengaluru, India | |
Multiple investments are managed by this single-family office. | iinnovations.com | Bengaluru, India | ||
Venture capital firm investing in early-stage startups in technology sectors. | 2014 | axilor.com | Bengaluru, India | |
Diversified conglomerate operating across multiple industries | 2016 | nimida.com | Bengaluru, India | |
M&A and corporate advisory services are focused on multiple sectors. | 2008 | unituscapital.com | Bengaluru, India | |
It serves as a limited information available. | 2016 | manchandacapital.com | Bengaluru, India | |
| dell.org | ||||
NR Narayan Ramachandaran | unknown_71a98210d2c64f6f9 |
Investor details for UC Inclusive Credit
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
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Board of directors of Uc Inclusive Credit Private Limited (UC Inclusive Credit)
Uc Inclusive Credit Private Limited is the primary company behind UC Inclusive Credit. The board of Uc Inclusive Credit Private Limited currently have 5 directors; the longest-serving is Abhijit Ray, appointed in 2016. 4 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Abhijit Ray DIN 02315177 | Managing Director | 17 Jun 2016 | 10 yrs 4 mo | Uc Inclusive Credit Private Limited |
| Narayan Ramachandran DIN 01873080 | Director | 16 Sep 2016 | 10 yrs 1 mo | Uc Inclusive Credit Private Limited |
| Eric Savage DIN 02317159 | Nominee Director | 30 Jun 2021 | 5 yrs 4 mo | Uc Inclusive Credit Private Limited |
| Sandhya Vasudevan DIN 00372405 | Director | 20 Sep 2023 | 3 yrs 1 mo | Uc Inclusive Credit Private Limited |
| Ruma Dey DIN 11953957 | Director | 17 Sep 2026 | 1 mo | Uc Inclusive Credit Private Limited |
People of UC Inclusive Credit
3 people are tracked at UC Inclusive Credit (3 in leadership); the tracked headcount is 28.
| Name | Role | Group |
|---|---|---|
Thrupti Alva | Co-Founder | Leadership |
| Co-Founder & Managing Director | Leadership | |
Shrihari Kulkarni | Co-Founder & Chief Risk Officer | Leadership |
Complete people profiles for UC Inclusive Credit
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Financials of UC Inclusive Credit
Figures of Uc Inclusive Credit Private Limited, the primary company behind UC Inclusive Credit, for FY 2026. Revenue was ₹110 Cr (-18% year on year). Net profit was ₹7.02 Cr (6% margin). EBITDA was ₹70.29 Cr (64% margin). Revenue has grown at a compounded annual rate of +26% over three years and +36% over five years.
- ₹110 CrRevenue · FY 2026 · -18% YoY
- ₹7.02 CrNet profit · 6% margin
- ₹70.29 CrEBITDA · 64% margin
- ₹85.65 CrPaid-up capital
- 28Employees (provident fund records)
- +26%Revenue CAGR, 3 years
- +36%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Uc Inclusive Credit Private Limited are on its company page.
Detailed financial statements for UC Inclusive Credit
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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Timeline of UC Inclusive Credit
4 dated milestones of UC Inclusive Credit across 7 years, from founding to its latest funding, stage changes and deals.
- Founded UC Inclusive Credit is founded.
- Funding First funding round of $3.8M.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Series A, of $8.0M.
Competitors of UC Inclusive Credit
UC Inclusive Credit has 3 listed competitors in our database, 1 of them funded. They include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| manappuram.com | 1992 | Valapad, India | $39.98M | 32,076 | Consumer and SME loans are provided by Manappuram Finance. | |
| ltfs.com | 1994 | Mumbai, India | 39,216 | Diversified lending services are provided as a non-banking financial institution. | ||
| iifl.com | 1995 | Mumbai, India | 16,076 | Online gold, home, personal, and business loans are provided. |
Detailed competitors of UC Inclusive Credit
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Verified entity values are shown only after access is granted.
Web traffic of UC Inclusive Credit
The website of UC Inclusive Credit (ucinclusive.in) receives about 1.4K visits a month.
- Monthly visits1.4K
▼ 2.4% vs previous month
Top companies in Consumer and SME Loans
3 companies that operate in the same segment as UC Inclusive Credit (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
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Related news about Uc Inclusive Credit
Complete news archive for UC Inclusive Credit
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Frequently Asked Questions about UC Inclusive Credit
UC Inclusive Credit was founded in 2016 and raised its 1st funding round 3 years after it was founded.
UC Inclusive Credit is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.
UC Inclusive Credit is a funded company, having raised a total of $12.45M across 4 funding rounds to date. The company's 1st funding round was a Series A of $3.8M, raised on Jun 2019.
UC Inclusive Credit has 28 employees.
The primary company behind UC Inclusive Credit, Uc Inclusive Credit Private Limited, reported revenue of ₹110 Cr for FY 2026, down 18% year on year.
UC Inclusive Credit was established in 2016 in Bengaluru, India, as a provider of financial inclusion services. Products and services are directed toward underserved sectors such as healthcare, clean technology, education, agriculture, and womens empowerment. Sustainable and profitable ventures are developed with a focus on technology-driven businesses. Operations involve collaboration with a network of investors to expand impact in these areas.
UC Inclusive Credit's top competitors include Manappuram Finance, L & T Finance Holdings and IIFL Finance.
UC Inclusive Credit offers Credit Services and Empowerment Programs.
UC Inclusive Credit has 26 investors. Key investors include Axilor Ventures, Unitus Capital, Aarin Capital, Nimida Group, and Manchanda Capital.
The valuation of UC Inclusive Credit is $33.05M as of Nov 2023.
UC Inclusive Credit operates through Uc Inclusive Credit Private Limited.
The legal entities of UC Inclusive Credit currently have 5 directors, including Eric Savage, Narayan Ramachandran, Abhijit Ray and others.