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Promoted by Bhupinder Singh in 2017, InCred focuses on retail loans—think personal loans, which now make up over half their business.
By December 31, 2025, they had managed assets worth ₹14,447.86 crore and have seen profits grow fast (almost 85% CAGR from FY23 to FY25).
With 158 branches across 152 cities in 19 states and Union Territories, and a solid AA-/Stable rating, they're already strong—but this IPO is all about scaling up further.