Security Name: 9.84% Incred Financial Services Limited 10 Nov 2026
ISIN: INE321N07376
Taxable
Tax Category
10 Nov, 2026
Maturity Date
(1 Yr 1 Mo 21 D to mature)
Monthly
Interest Payment Frequency
Yes
NRI Eligibility
10 Nov, 2023
Allotment Date
NA
Put Date
10 Oct, 2025
Next Interest Payment Date
15 days
Shut Period
Both
Active on NSDL/CDSL
Non-Guaranteed
Type of Guarantee
No
Perpetual
IPO
Mode of Issue
Listed
Listing Details
Non Public Sector Undertaking
Type of Issuer
Quote Not Available
Dirty Price
9.84%
Coupon
Fixed Interest
Coupon Basis
Quote Not Available
Current Yield
25 Sep, 2025
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
Repayment Priority
Higher the level, higher the priority of investment repayment on default
Security with Collateral?
An investment secured with collateral helps
ISSUER
Incred Financial Services Limited
The erstwhile Incred Financial Services Ltd, now renamed as Incred Prime Finance Ltd is a non-deposit taking NBFC headquartered in Mumbai. Incorporated in January 1991 as Visu Leasing and Finance Pvt Ltd (VLFL), this company was acquired by Incred in 2016, after which, its name was changed to reflect the Incred brand. Having started its operations in February 2017, Incred is a new-age financial services platform that leverages technology and data science, throughout its lending chain, thereby reducing the turnaround time.
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
Fintech unicorn InCred Finance crosses Rs 8,000 Cr AUM on the back of personal loans
Jan 24, 2024 | 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
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
Information required for KYC
PAN Card
Bank Account Proof
Aadhaar Card
Demat Account Proof
How to exit the investment?
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
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Total Investment
| Cashflow for INE321N07376 |
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| 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). |
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| Security Name |
|---|
| 9.84% Incred Financial Services Limited 10 Nov 2026 |
| Credit Rating |
|---|
| AA- (Stable) by CRISIL |
| Coupon Frequency |
|---|
| Monthly |
| Face Value |
|---|
| ₹1,000 |
| Coupon |
|---|
| 9.840000% |
| YTM or YTC |
|---|
| YTM |
| Maturity Date |
|---|
| 10/11/2026 |
| Security |
|---|
| Senior Secured |
| No. of Bonds |
|---|
| 1 |
| Settlement Date |
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| Principal Amount |
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| ₹NaN |
| Accrued Interest |
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| ₹0 |
| Stamp Duty |
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| ₹0 |
| Total Amount Payable |
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| ₹NaN |
| Price |
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| ₹NaN |
| Yield |
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| % |
| Year | Payment Date | Amount | Amount after TDS | Payout Type |
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Quote Not Available for purchase
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.
