Security Name: 8.80% Incred Financial Services Limited 06 Dec 2027

ISIN: INE321N07590

Taxable

Tax Category

06 Dec, 2027

Maturity Date
(1 Yr 9 Mo 8 D to mature)

Quarterly

Interest Payment Frequency

Yes

NRI Eligibility

08 Dec, 2025

Allotment Date

NA

Put Date

08 Jun, 2026

Next Interest Payment Date

15 days

Shut Period

Both

Active on NSDL/CDSL

Non-Guaranteed

Type of Guarantee

No

Perpetual

Private Placement

Mode of Issue

Listed

Listing Details

Non Public Sector Undertaking

Type of Issuer

₹NaN

Dirty Price

8.8%

Coupon

Fixed Interest

Coupon Basis

8.7982%

Current Yield

24 May, 2026

Record Date

YOUR EARNING

Your Investment

Final Payout

₹0

Error Generating Cashflow 😥. We are looking into this.

*All Interest Payments will be subject to TDS (Not Applicable on Government Securities and Tax Free Bonds)

YOUR RISK

Risk gauge from Low to High Safety. Needle points near High Safety. Credit rating is AA- Stable (CRISIL).

Credit rating gauge data
Rating agencyRatingNeedle position
CRISILAA- Stablenear High Safety
Senior

Repayment Priority

Higher the level, higher the priority of investment repayment on default

Secured

Security with Collateral?

An investment secured with collateral helps

LIQUIDITY INDICATOR #

Transaction Count

as on --

₹—

Volume Traded

as on -- (in Lakhs)

Transaction Count

(since 3 months)

₹—

Volume Traded

(since 3 months) (in Lakhs)

# Data points fromBSE

# Updates every 15 minutes during market hours

# Last Updated: --

ISSUER

Incred Financial Services Limited
Incred Financial Services Limited

InCred Financial Services merged with KKR India Financial Services, with the combined entity (renamed IFSL) becoming a 100% subsidiary of InCred Holdings Limited (IHL). Consequently, original IFSL shareholders transitioned their ownership to the parent company, IHL.

The ratio in FY25 is 7.29x and in it was 5.60x in FY24, indicating increase in the debt level due to significant increase in the borrowings in FY25.

Debt/EBITDA

The ratio in FY25 is 1.80x and it was 1.93x in FY24, indicating slight decrease in the debt servicing ability of the issuer due to increase in the interest expenses which led to overall increase in the finance cost.

Interest coverage ratio

Recent News

Incred Financial Services Limited
Fintech unicorn InCred Finance crosses Rs 8,000 Cr AUM on the back of personal loans

Jan 24, 2024 | Incred Financial Services Limited

Incred Financial Services Limited
Incred Finance saw a saviour in KKR, but itself became a hero post-merger

Mar 14, 2024 | Incred Financial Services Limited

Incred Financial Services Limited
Zerodha's Kamath brothers invest Rs 250 crore in InCred

Aug 19, 2025 | Incred Financial Services Limited

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STEPS TO BUY THIS BOND

Complete KYCe-KYC approval in just 5 minutes!Place your OrderSwipe right to buy this Bond.Transfer funds to ICCLUse Net Banking or visit your nearest branch.SettlementSit back and relax, while we deliver your Security!

Information required for KYC

PAN Card

Bank Account Proof

Aadhaar Card

Demat Account Proof

How to exit the investment?

At MaturityThe Issuer will return your principal and redeem the bond
Sell your bond anytimeYou can sell your bond anytime you want by reaching out to your Relationship Manager.

To know more about the Bond and the issuer, download the Information Memorandum.

To read about the reasons for the ratings assigned to the Bond, download the Rating Rationale.

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BOND VALUE DETAILS

Face Value
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Total Investment
Cashflow for INE321N07590
Disclaimer: The actual dates and interest amounts can vary depending on Bank closures, holidays etc. Tax Deducted at Source (TDS) is applicable on interest receivable based on relevant tax regulations. You can avail TDS credit while filing your Income Tax Return (ITR).
Security Name
8.80% Incred Financial Services Limited 06 Dec 2027
Credit Rating
AA- Stable by CRISIL
Coupon Frequency
Quarterly
Face Value
₹1,00,000
Coupon
8.800000%
YTM or YTC
YTM
Maturity Date
06/12/2027
Security
Senior Secured
No. of Bonds
1
Settlement Date
Feb 26,2026
Principal Amount
₹1,00,020
Accrued Interest
₹0
Stamp Duty
₹0
Total Amount Payable
₹1,00,020
Price
₹100.02
Yield
0%
YearPayment DateAmountAmount after TDSPayout Type

Disclaimer: Investments in Debt Securities/ Municipal Debt Securities/ Securitised Debt Instruments are subject to risks including delay and/ or default in payment. Read all the Offer Related documents carefully.

Source: Issuer website, Rating Rationale, Issuer Annual Report, Information Memorandum and News from Google.

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