Well Capitalized: The Debt Equity ratio of the company is 1.8x as of Sep’23 which is considered low and is a good sign. The Capital Adequacy Ratio (CRAR) is 31% which is considerably higher than RBI requirement of 15%|Diversified Lending Portfolio: The portfolio of InCred Finance is diversified across uncorrelated segments like Personal Lending, Education loans, School Financing, and lending to Financial Institutions reducing the overall risk|Profitability: The Company has a strong earnings profile with an ROA of 5.1% which is considered good|Low NPAs: GNPA and NNPA of the company is 2.6%/1.2% as on Sep’23 which can be considered low and is an indication of strong asset quality|Marquee Investors: The shareholders of the Holding company of IFSL are marquee names like KKR, Abu Dhabi Investment Authority, Ranjan Pai, Elevar Equity, OAKS Asset Management amongst many others|Strong Liquidity: The company has a positive liquidity profile (i.e. Inflow > Outflow) in all the buckets upto 5 Years