Add office photos
Engaged Employer
InCred Finance
3.8
based on 347 Reviews
Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards
Company Overview
Associated Companies
Company Locations
Working at InCred Finance
Company Summary
InCred Finance is a leading financial services company offering a diverse range of solutions, including Personal Loan, Education Loan, and MSME Loan.
Overall Rating
3.8/5
based on 347 reviews
3% below
industry average
Critically rated for
Promotions
Work Policy
Work from office
81% employees reported
Monday to Saturday
37% employees reported
Flexible timing
67% employees reported
No travel
48% employees reported
View detailed work policy
Top Employees Benefits
Health insurance
12 employees reported
Job/Soft skill training
9 employees reported
Cafeteria
6 employees reported
Office cab/shuttle
2 employees reported
View all benefits
About InCred Finance
Founded in2016 (9 yrs old)
India Employee Count1k-5k
Global Employee Count1k-5k
India HeadquartersMumbai, Maharashtra, India
Office Locations
Websiteincred.com
Primary Industry
Other Industries
InCred Finance, the lending arm of the InCred Group, was established in 2016 by Bhupinder Singh. InCred Finance is a new-age, tech and risk-analytics-focused lending institution, offering a diversified portfolio that includes Personal Loan, Education Loan and MSME Loan. The company’s lending approach is built on the twin pillars of domain expertise and risk analytics, supported by a cutting-edge technological architecture that underpins all its operations and processes. The company turned unicorn in late 2023 and has a loan book of over Rs. 10,000 Cr.
For more information, visit www.incred.com
Mission: To be relentless in inculcating and nurturing a culture of continuous innovation and execution excellence by combining cutting edge technology, data science and deep financial domain expertise and delivering the best suited profitable product in the most dignified experience for every customer
Vision: To create a trustworthy, transparent and highest integrity financial institution that positively advances the socio-economic well-being of lower middle class to middle class Indian households while protecting the interests of all stakeholders.
AmbitionBox Best Places to Work in India Awards
Best of the best, rated by employees
InCred Finance won India’s Largest Employee Choice Awards in Tech Startups Companies Category.
#8 Top Rated Tech Startups
Share
InCred Finance Ratings
based on 347 reviews
Overall Rating
3.8/5
How AmbitionBox ratings work?
5
165
4
84
3
39
2
15
1
44
Category Ratings
3.7
Work-life balance
3.6
Company culture
3.6
Job security
3.6
Salary
3.5
Skill development
3.5
Work satisfaction
3.1
Promotions
InCred Finance is rated 3.8 out of 5 stars on AmbitionBox, based on 347 company reviews.This rating reflects an average employee experience, indicating moderate satisfaction with the company’s work culture, benefits, and career growth opportunities. AmbitionBox gathers authentic employee reviews and ratings, making it a trusted platform for job seekers and employees in India.
Read more
Gender Based Ratings at InCred Finance
based on 317 reviews
3.9
Rated by 50 Women
Rated 3.9 for Job security and 3.7 for Work-life balance
3.8
Rated by 267 Men
Rated 3.8 for Work-life balance and 3.6 for Company culture
Work Policy at InCred Finance
based on 78 reviews in last 6 months
Work from office
81%
Hybrid
16%
Permanent work from home
3%
InCred Finance Reviews
Top mentions in InCred Finance Reviews
+ 5 more
Compare InCred Finance with Similar Companies
Change Company | Change Company | Change Company | ||
|---|---|---|---|---|
Overall Rating | 3.8/5 based on 347 reviews | 4.7/5 based on 3k reviews | 4.1/5 based on 4.3k reviews | 3.7/5 based on 2.3k reviews |
Highly Rated for | No highly rated category | Work-life balance Company culture Skill development | Work-life balance Company culture Skill development | No highly rated category |
Critically Rated for | Promotions | No critically rated category | No critically rated category | Promotions |
Primary Work Policy | Work from office 81% employees reported | Work from office 91% employees reported | Work from office 68% employees reported | Work from office 90% employees reported |
Rating by Women Employees | 3.9 Good rated by 50 women | 4.5 Good rated by 162 women | 3.9 Good rated by 469 women | 3.4 Average rated by 313 women |
Rating by Men Employees | 3.8 Good rated by 267 men | 4.7 Excellent rated by 2.7k men | 4.1 Good rated by 3.4k men | 3.8 Good rated by 1.8k men |
Job security | 3.6 Good | 4.5 Good | 3.5 Good | 3.4 Average |
View more
InCred Finance Salaries
InCred Finance salaries have received with an average score of 3.6 out of 5 by 347 employees.
Assistant Sales Manager
(96 salaries)
Unlock
₹3.2 L/yr - ₹5.8 L/yr
Sales Manager
(91 salaries)
Unlock
₹3 L/yr - ₹9 L/yr
Credit Manager
(76 salaries)
Unlock
₹4.1 L/yr - ₹11.4 L/yr
Software Engineer
(59 salaries)
Unlock
₹7 L/yr - ₹26 L/yr
Credit Officer
(59 salaries)
Unlock
₹2 L/yr - ₹4.5 L/yr
Area Sales Manager
(51 salaries)
Unlock
₹4.6 L/yr - ₹13.8 L/yr
Assistant Credit Manager
(45 salaries)
Unlock
₹4 L/yr - ₹6 L/yr
Collections Manager
(30 salaries)
Unlock
₹3.8 L/yr - ₹8 L/yr
Senior Software Engineer
(27 salaries)
Unlock
₹12.5 L/yr - ₹30.5 L/yr
Operations Executive
(27 salaries)
Unlock
₹1.5 L/yr - ₹3.5 L/yr
InCred Finance Jobs
Popular Designations InCred Finance Hires for
Popular Skills InCred Finance Hires for
Current Openings
InCred Finance News
View all
The Complete List of India Fintech Unicorns (2025)
- India's fintech unicorns have become a symbol of the booming startup ecosystem, reshaping financial services with accessibility and technology.
- Backed by investor interest and government support, India's fintech growth story began in 2011 with InMobi as the first unicorn.
- Government initiatives like Startup India have fostered fintech growth, leading to IPOs, mergers, and acquisitions exceeding $4 billion in the last decade.
- As of March 2025, India boasts 27 fintech unicorns, with one being a decacorn valued over $10 billion.
- The fintech sector contributes 5% of total revenues in the BFSI industry, with payments and lending dominating 85% of capital raised.
- The number of registered fintech startups in India grew fivefold from 2,100 in 2021 to 10,200 in 2024.
- India's fintech unicorns are expanding globally and setting the stage for global fintech leadership.
- The unicorns are divided into categories including Payments, Lending Tech, Fintech Infra/SaaS, InsurTech, WealthTech, and Others.
- Leading payment unicorns include PhonePe, Paytm, BillDesk, Razorpay, Pine Labs, CRED, BharatPe, and PayU.
- In the Lending Tech category, Slice, Yubi, Oxyzo, InCred Finance, DMI Finance, and MoneyView are notable unicorns.
Fintechnews | 24 Mar, 2025
From Zolve To Scimplify — Indian Startups Raised $429 Mn This Week
- Indian startups raised a total of $428.8 Mn in funding across 14 deals in the second week of March.
- Fintech emerged as the most popular sector for investors, with Zolve raising $251 Mn and InCred Finance securing $30 Mn in debt funding.
- The enterprise tech sector saw the most deals, with Scimplify, Infinite Uptime, and Neural Defend raising a combined total of $75.6 Mn.
- Notable M&A activity included Fintech SaaS unicorn Perfios acquiring CreditNirvana and DSP Group acquiring Volt Money.
Inc42 | 15 Mar, 2025
Exclusive: Fintech Unicorn InCred Finance Raises $30 Mn Debt
- Fintech unicorn InCred Finance has raised $30 Mn debt from a group of investors, led by Neo Group.
- The debt funding comes after InCred Finance's consolidated net profit more than doubled in FY24.
- InCred Finance is planning to launch its IPO in the latter half of 2025, aiming to raise $470 Mn to $590 Mn.
- Over 20 startups, including InCred Finance, are preparing for their public listings in 2025.
Inc42 | 13 Mar, 2025
Few women on Indian unicorns’ boards; Uber expands same-day delivery
- A NeoINSIGHTS survey reveals that over half of India's women small business owners rely on personal savings, while 25% seek financial support from family members.
- Despite challenges, women entrepreneurs in India actively manage their finances and are taking steps towards financial stability.
- India ranks third globally in funding raised by startups co-led by women, although only 7.5% of active startups in India have women co-founders.
- Women hold 23% of corporate positions in India, but face obstacles like limited opportunities and unconscious biases as they advance in the hierarchy.
- An analysis by PrivateCircle Research reveals that only 5.8% of board seats in Indian unicorns are held by women, showcasing a significant gender disparity in leadership.
- 48% of Indian unicorns have at least one woman director, with MapmyIndia, Incred, MobiKwik, PolicyBazaar, and Zomato leading in boardroom diversity.
- Uber is expanding its same-day delivery service with Courier XL for larger packages, intensifying competition in the logistics segment with players like Porter.
- In Bhutan, women-run homestays offer an authentic experience of the country's culture and traditions, contributing to community-based tourism and the preservation of local arts.
- Microsoft is developing AI reasoning models to rival OpenAI, Broadcom's shares surge on strong chip demand forecast, and Intuitive Machines' Athena spacecraft successfully lands on the moon.
- The first country to allow women to vote in 1893 was New Zealand.
Yourstory | 8 Mar, 2025
InCred Finance buys TruCap’s gold loan business for Rs 330 crore
- InCred Finance has acquired TruCap Finance's gold loan division for around Rs 330 crore.
- The acquisition includes the transfer of the 'Dhanvarsha' trademarks and logos.
- InCred Finance will gain control over 115 gold loan branches and a customer base of over 40,000.
- TruCap aims to use the proceeds from the sale to reduce debt and focus on its green energy finance and MSME business loans.
ISN | 26 Feb, 2025
InCred Finance To Acquire TruCap's Gold Loan Business
- InCred Finance is set to acquire TruCap Finance Ltd.'s gold loan business for about Rs 330 crore.
- The deal includes a nationwide network of 115 branches, a customer base exceeding 40,000, a team of over 550 employees, and assets under management of over Rs 650 crore.
- The acquisition will provide InCred Finance a head start in the gold loans business, accelerating its go-to-market timeline by 24-36 months.
- The transaction is expected to be completed by April 30, 2025, subject to necessary approvals and adjustments.
Bloomberg Quint | 26 Feb, 2025
InCred Finance acquires TruCap’s gold loan business to expand secured lending portfolio
- InCred Finance has acquired TruCap Finance Limited's gold loan business.
- The acquisition includes TruCap's 115-branch network, a customer base of over 40,000, and assets under management (AUM) exceeding Rs 650 crore.
- The deal is expected to accelerate InCred Finance's expansion into secured lending by up to three years.
- The integrated gold loan business will be led by Saurabh Jhalaria, a founding team member of InCred Finance.
Yourstory | 26 Feb, 2025
InCred Finance to acquire gold loans biz of TruCap Finance via slump sale
- InCred Finance is set to acquire the gold loans business of TruCap Finance through a slump sale.
- The acquisition will bring a nationwide network of 115 branches, over 40,000 customers, more than 550 employees, and an AUM of over ₹650+ crore to InCred Finance.
- The proposed acquisition is subject to the execution of long form documents, obtaining necessary approvals, and fulfilling all conditions precedent to closing.
- This acquisition will provide InCred Finance with a head-start in the gold loans business, helping accelerate its go-to-market timeline by 24-36 months.
HinduBusinessLine | 26 Feb, 2025
InCred Finance Acquires TruCap’s Gold Loan Business For Rs 330 Cr
- InCred Finance is acquiring TruCap Finance’s gold loan division in a deal valued at around Rs 330 Cr.
- The acquisition includes the transfer of 'Dhanvarsha' trademarks and logos, covering 115 branches, a customer base of over 40,000, a team of 550+ employees, and assets under management of over Rs 650 Cr.
- TruCap aims to reduce debt and improve net worth, focusing on green energy finance and MSME business loans.
- After the acquisition, InCred Finance's gold loan division will be led by Saurabh Jhalaria, the current head of MSME and Education Loans.
VIE Stories | 26 Feb, 2025
InCred Finance To Acquire TruCap’s Gold Loan Business For INR 330 Cr
- InCred Finance is acquiring TruCap Finance's gold loan division, including trademarks and logos, for INR 330 Cr.
- The deal includes 115 branches, a customer base of over 40,000, and assets under management (AUM) of over INR 650 Cr.
- TruCap aims to reduce debt and focus on green energy finance and MSME business loans.
- InCred Finance plans to diversify its lending portfolio and expand its branch network.
Inc42 | 26 Feb, 2025
Powered by
InCred Finance Offices
Compare InCred Finance with
Hero FinCorp
4.0
BA Continuum
4.1
Hinduja Leyland Finance
4.0
PNB Housing Finance
3.8
Bajaj Housing Finance
3.7
Kotak Mahindra Prime
4.0
Shubham Housing Development Finance
3.9
Vistaar Finance
4.0
Kinara Capital
4.3
Tata Capital Housing Finance
4.0
Electronica Finance
3.9
MAS Financial Services
3.8
India Shelter Finance Corporation
3.9
mPokket
3.8
Ugro Capital
3.7
LIC Housing Finance
4.0
Muthoottu Mini Financiers
3.7
Finova Capital
3.8
Aptus Value Housing Finance India
4.0
Capital Trust
3.4
Contribute & help others!
You can choose to be anonymous
Companies Similar to InCred Finance
4.1
• 4.3k reviews
Kogta Financial India Limited
Financial Services, NBFC
4.7
• 3k reviews
Sammaan Capital Limited
Financial Services, NBFC
3.7
• 2.3k reviews
Hero FinCorp
Financial Services, NBFC
4.0
• 1.8k reviews
BA Continuum
Financial Services, NBFC
4.1
• 1.5k reviews
4.0
• 1.1k reviews
3.8
• 1.1k reviews
Bajaj Housing Finance
Financial Services, NBFC
3.7
• 1.1k reviews
4.0
• 1k reviews
3.9
• 998 reviews
Vistaar Finance
Financial Services, Banking, FinTech, NBFC
4.0
• 857 reviews
Kinara Capital
NBFC
4.3
• 806 reviews
InCred Finance FAQs
When was InCred Finance founded?
InCred Finance was founded in 2016. The company has been operating for 9 years primarily in the NBFC sector.
Where is the InCred Finance headquarters located?
InCred Finance is headquartered in Mumbai, Maharashtra. It operates in 2 cities such as Mumbai, Bangalore / Bengaluru. To explore all the office locations, visit InCred Finance locations.
How many employees does InCred Finance have in India?
InCred Finance currently has more than 2,000+ employees in India. BFSI, Investments & Trading department appears to have the highest employee count in InCred Finance based on the number of reviews submitted on AmbitionBox.
Does InCred Finance have good work-life balance?
InCred Finance has a Work-Life Balance Rating of 3.7 out of 5 based on 300+ employee reviews on AmbitionBox. 72% employees rated InCred Finance 4 or above, while 28% employees rated it 3 or below on work-life balance. This indicates that the majority of employees feel a generally balanced work-life experience, with some opportunities for improvement based on the feedback. We encourage you to read InCred Finance work-life balance reviews for more details
Is InCred Finance good for career growth?
Career growth at InCred Finance is rated as moderate, with a promotions and appraisal rating of 3.1. 28% employees rated InCred Finance 3 or below, while 72% employees rated it 4 or above on promotions/appraisal. This rating suggests that while some employees view growth opportunities favorably, there is scope for improvement based on employee feedback. We recommend reading InCred Finance promotions/appraisals reviews for more detailed insights.
What are the cons of working in InCred Finance?
Working at InCred Finance does have some drawbacks that potential employees should consider. The company is poorly rated for promotions / appraisal, based on 300+ employee reviews on AmbitionBox.
Stay ahead in your career. Get AmbitionBox app
Helping over 1 Crore job seekers every month in choosing their right fit company
75 Lakh+
Reviews
5 Lakh+
Interviews
4 Crore+
Salaries
1 Cr+
Users/Month
Contribute to help millions
Get AmbitionBox app
Made with ❤️ in India. Trademarks belong to their respective owners. All rights reserved © 2024 Info Edge (India) Ltd.
Follow us
