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Customer Support

Grievance Redressal Mechanism

InCred Financial Services is committed to resolving your concerns promptly and transparently. Here's how you can reach us.

How to Lodge a Complaint

Customers may log a complaint or share feedback through Customer Service first, then follow the escalation path below if the grievance remains unresolved.

Step 1 — Contact Customer Service

First point of contact

Any customer with a grievance, complaint, or feedback about the products and services offered by InCred Financial Services Limited may write to the Customer Service Department through any of the following channels:

TOLL-FREE

1800 102 2192

care@incred.com

WEBSITE

www.incred.com

POSTAL ADDRESS

Unit 1203, 12th Floor, B Wing, The Capital, Plot C-70, G Block, BKC, Mumbai – 400051

Step 2 — Escalation Officer

If unresolved within 5 days

If your grievance is not resolved within 5 days, or if you are not satisfied with the solution provided by Customer Service, please escalate to:

Name: Ms. Rosy Dsouza

Contact: 022-42117799

Email: care@incred.com

Step 3 — Grievance Redressal Officer

Final escalation

If your complaint is not resolved within 5 days, or if you are not satisfied with the solution provided by the Escalation Officer, you may approach the Grievance Redressal Officer:

Name: Mr. Vaidyanathan Ramamoorthy

Email: incred.grievance@incred.com

Telephone: 022-42117799

Address: InCred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai - 400 051

Website: www.incred.com/grievance.html

InCred Personal Loan Details

Get instant funds for any purpose — medical emergency, wedding, home renovation, or any personal need — with zero collateral.

₹50K–₹15L

Loan Amount

13.49%+

Interest Rate p.a.

1–5 Yrs

Repayment Tenure

15 Min

Disbursal After Approval

KEY FEATURES

100% digital, paperless application process

No collateral, no guarantor required

Funds disbursed within 15 minutes of approval

Transparent pricing — no hidden charges

Applicants with no credit history are eligible

Fixed interest rate on reducing balance basis

ELIGIBILITY CRITERIA

Age	21 to 60 years
Occupation	Salaried or self-employed
Min. Monthly Income	₹15,000 net
Credit Score	Higher score → better rate; no history also considered

APR RANGE

14% - 48% per annum

Fees & Charges

Processing FeeUp to 5% + taxesForeclosure ChargesUp to 5% + taxes (after 6 months)Loan CancellationUp to ₹1,000 + taxesLate Payment Penalty₹30 per ₹1,000 overdue/monthCheque Bounce₹1,000 per instanceSwap ChargesUp to ₹1,000 + taxes