Dar Credit and Capital Q4 FY26: Growth Led by Portfolio Expansion and Stable Asset Quality
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Dar Credit and Capital Limited is a base layer, non deposit taking NBFC registered with the RBI. It provides personal loans to municipal corporation employees, secured MSME loans, unsecured MSME loans, and managed books.
The presentation states the company sources business from six states: Rajasthan, Madhya Pradesh, Gujarat, Bihar, Jharkhand, and West Bengal, with 35 branches across 68 districts.
Total loan portfolio is shown at 238.0935 crore in FY26, comprising loan to municipal employees 83.7084 crore, unsecured MSME 76.3629 crore, secured MSME 69.4718 crore, and managed portfolio 8.5504 crore.
Standalone total income increased to 50.0512 crore in FY26 from 41.3930 crore in FY25, and standalone PAT increased to 10.1297 crore from 7.0442 crore.
GNPA is stated at 1.01% as of March 2026 and capital adequacy ratio is stated at 40.08%.
The company states it uses an in house software named Vijay for LOS, LMS and accounting for Micro and MSME loans, developed by Qbent Technologies Pvt Ltd, and uses a cloud based personal loan system called RISE MONEY developed by Rising Suntech.
The company states it issued an IPO of 42.76 lakh equity shares at Rs 60 per share aggregating Rs 25.66 crore and listed on NSE Emerge on 28 May 2025 under the code DCCL.
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