About Incred Financial Services Limited
Data last updated: 10 February 2026
Incred Financial Services Limited is a public limited company based in Mumbai, Maharashtra, India, a subsidiary of Incred Holdings Limited. It specialises in non-banking financial services (NBFC), a part of the broader financial services sector. Incorporated on 03 February 1995, the company has been in operation for over 31 years.
Registered with ROC Mumbai under CIN U67190MH1995PLC360817.
Capital: an authorised share capital of ₹700 Cr and a paid-up capital of ₹490.53 Cr. Formerly known as Kkr India Financial Services Limited and Kkr India Financial Services Private Limited. It is led by directors including Vivekanand Suryaprakash Periayapatnam and Sankaran Nair Rajagopal.
Last AGM: 09 September 2025. Financial statements filed for year ended 31 March 2025. Office: Unit No. 1203 12Th Floor B Wing The Capital Plot No. C – 70 G Block Bkc, Mumbai, Maharashtra, India – 400051.
As per the financials filed for FY 2025, the company reported a revenue of ₹1,882.62 Cr, a growth of 46% compared to the previous year.
The company has a workforce of approximately 1,749 employees as per the latest available data. It operates as a subsidiary of Incred Holdings Limited. Its group structure includes 2 subsidiaries.
The company is associated with 2 brands - Incred, Instapaisa. As per MCA filings, the company has open charges of ₹17,117 Cr and satisfied charges of ₹1,942.67 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website incred.com.
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Registered AddressUnit No. 1203 12Th Floor B Wing The Capital Plot No. C – 70 G Block Bkc, Mumbai, Maharashtra, India – 400051
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IndustryFinancial Services, NBFC, Investment & Credit NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Incred Financial Services Limited
Incred Financial Services Limited has undergone 3 name changes throughout its history. The company was previously known as Kkr India Financial Services Limited, Kkr India Financial Services Private Limited, and Multiflow Financial Services Private Limited. The current legal name is Incred Financial Services Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Incred Financial Services Limited | Current |
| Kkr India Financial Services Limited | Previous |
| Kkr India Financial Services Private Limited | Previous |
| Multiflow Financial Services Private Limited | Previous |
CIN History of Incred Financial Services Limited
Incred Financial Services Limited has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is U67190MH1995PLC360817, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U67190MH1995PLC360817 | Current |
| U67190TN1995PTC030045 | Previous |
| U67190TN1995PLC030045 | Previous |
Associated Brands with Incred Financial Services Limited
Incred Financial Services Limited operates two associated brands: InCred and InstaPaisa. These brands represent Incred Financial Services Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Financial services are provided, specializing in personal and business loans. | incred.com | |
| B2C marketplace for personal loans | instapaisa.com |
Competitors & Alternatives of Incred Financial Services Limited
Brands and companies operating in the same space as Incred Financial Services Limited include FlexiLoans, Clix Capital, Oxyzo and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
FlexiLoans
|
Business loans and financial products for MSMEs are provided. | Mumbai, India, India | 2016 |
Clix Capital
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Lending platform for consumers and businesses is provided. | Gurugram, India, India | 2016 |
Oxyzo
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Financial solutions including loans are provided for SMEs and corporates. | Gurugram, India, India | 2016 |
Usha Financial
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NBFC offering loans to entrepreneurs, MSMEs, and individuals | Delhi, India, India | 2006 |
DMI Finance
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Personal, MSME, consumption, and EV loans are provided digitally. | Delhi, India, India | 2008 |
Niyogin
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Online lending marketplace for business loans | Mumbai, India, India | 1988 |
KNAB Finance
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Technology-driven lending solutions are provided to small and medium enterprises. | Bengaluru, India, India | 2015 |
Credit Fair
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Solar financing solutions are provided by Credit Fair in India. | Mumbai, India, India | 2018 |
Monedo
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Monedo is engaged in providing diverse financial lending solutions. | Mumbai, India, India | 2017 |
Business Activity of Incred Financial Services Limited
Incred Financial Services Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including financial and credit leasing activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities | Locked |
Business activity turnover details for Incred Financial Services Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Incred Financial Services Limited
Incred Financial Services Limited is audited by DeloitteHaskins&Sells LLP for the financial year 2018. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| DeloitteHaskins&Sells LLP | Locked | Locked | Locked |
Complete auditor history for Incred Financial Services Limited
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
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Board of Directors and KMP of Incred Financial Services Limited
Incred Financial Services Limited currently reports 6 directors and 1 key managerial person. 33 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Vivekanand Suryaprakash Periayapatnam | Director | 26 Jul 2022 | 4 Years 0 Months | Current |
| Sankaran Nair Rajagopal | Director | 30 Mar 2023 | 3 Years 3 Months | Current |
| Rupa Rajul Vora | Director | 26 Jul 2022 | 4 Years 0 Months | Current |
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Gaurav Maheshwari
Also directs:
Incred Holdings Limited, Incred Capital Financial Services Limited
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Cfo | 16 Dec 2024 | 1 Years 7 Months | Current |
| Sunita Gupta | Director | 30 Mar 2023 | 3 Years 3 Months | Current |
| Sekar Karnam | Director | 26 Jul 2022 | 4 Years 0 Months | Current |
Financials of Incred Financial Services Limited FY 2025 filings available
Incred Financial Services Limited reported revenue of ₹1,882.62 Cr (up 46.00% YoY) for FY 2025.
Ten-year financial statements for Incred Financial Services Limited
Historical statement values and trend charts require an active report plan.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Incred Financial Services Limited
Shareholding and ownership data for Incred Financial Services Limited
Promoter, institutional, public, and beneficial ownership values require an active report plan.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Group Structure of Incred Financial Services Limited
Incred Financial Services Limited has 2 subsidiary companies. This group structure data is as of FY 2024. The corporate group structure reflects Incred Financial Services Limited's business expansion strategy and organizational complexity.
| Company Name | CIN | Shares Held |
|---|---|---|
| Incred Finserv Private Limited | U72900MH2016PTC273211 | Locked |
| Incred.Ai Limited | U74999MH2021PLC358271 | Locked |
Showing major subsidiaries. Total: 2.
Charges & Borrowings of Incred Financial Services Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 30 Dec 2025 | Others | ₹269.85 Cr | Open |
| 12 Dec 2025 | Others | ₹25 Cr | Open |
| 15 Oct 2025 | Others | ₹25 Cr | Open |
| 08 Oct 2025 | Others | ₹25 Cr | Open |
| 30 Sep 2025 | Others | ₹25.96 Cr | Open |
Total charge records: 71 View all charges
Employees and EPFO Compliance at Incred Financial Services Limited
Incred Financial Services Limited has a workforce of 1,749 employees as of Dec 18, 2024.
Employee and EPFO history for Incred Financial Services Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Incred Financial Services Limited
GST registrations and filing compliance for Incred Financial Services Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
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Credit Ratings, Litigation & Regulatory Alerts for Incred Financial Services Limited
Credit ratings, litigation, and regulatory alerts for Incred Financial Services Limited
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
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MSME Payment Delays by Incred Financial Services Limited
MSME payment history for Incred Financial Services Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
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Subsidiaries & Group Companies of Incred Financial Services Limited
Corporate group structure for Incred Financial Services Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
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MCA Filings & Documents of Incred Financial Services Limited
MCA filings and documents for Incred Financial Services Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
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Recent Activity on Incred Financial Services Limited
Recent News on Incred Financial Services Limited
Frequently Asked Questions about Incred Financial Services Limited
Incred Financial Services Limited is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 03 February 1995 (31+ years old) and is registered under CIN U67190MH1995PLC360817. The company has 1,749 employees.
Incred Financial Services Limited reported revenue of ₹1,882.62 Cr for FY 2025 (up 46.00% YoY).
The current directors and KMP of Incred Financial Services Limited are:
- Vivekanand Suryaprakash Periayapatnam - Director
- Sankaran Nair Rajagopal - Director
- Rupa Rajul Vora - Director
- Gaurav Maheshwari - Cfo
- Sunita Gupta - Director
- Sekar Karnam - Director
- Bhupinder Singh - Whole-Time Director
The primary industry of Incred Financial Services Limited is financial services. The company specifically operates in nbfc. The company is currently active in this sector.
Incred Financial Services Limited can be reached at the registered office: Unit No. 1203 12Th Floor B Wing The Capital Plot No. C – 70 G Block Bkc, Mumbai, Maharashtra, India – 400051, or through the website incred.com.
The authorised capital is ₹700 Cr, and the paid-up capital is ₹490.53 Cr.