Overview

Detailed Summary

Dar Credit & Capital Limited is an RBI‑registered non‑deposit taking NBFC focused on retail and MSME lending, specialising in personal loans to municipal employees, unsecured MSME loans and secured MSME (micro LAP) products across six states via 35 branches and camp offices; the company is listed on NSE Emerge and carries a CARE BBB‑ (Stable) rating.
DCCL reported strong Q3 FY26 and 9M FY26 profitability with Q3 total income of ₹12.61 crore and Q3 PAT of ₹2.52 crore, nine‑month PAT of ₹7.04 crore, a low GNPA of ~1.5% and high capital adequacy of 43.84%, signalling conservative provisioning and large capital headroom to support growth without immediate equity raises.
Management has articulated an explicit growth roadmap to scale AUM to ₹300 crore+ by March 2027 through targeted geographic expansion (Bihar, Jharkhand, Rajasthan), increased focus on secured MSME lending, additional NCD issuance and bank borrowing, demonstrating both operational intent and identifiable funding levers for that expansion.
Technology underpins operations: DCCL uses an in‑house LOS/LMS called ‘Vijay’ (Qbent Technologies) and a cloud personal loan platform RISEMONEY, is piloting an app, and uses AI/analytics for credit scoring and fraud detection, combining digital underwriting with persistent branch‑level personal sourcing for underserved customers.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 73 Cr
Volatility: Low Risk
P/E Ratio: 7.2
Industry P/E: 18.6
PEG Ratio: —
P/B Ratio: 0.7
52W High: 60.80
52W Low: 33.00

Sales CAGR

1Y: 21.85%
3Y: 18.49%
5Y: —
10Y: —

Profit CAGR

1Y: 43.89%
3Y: 40.17%
5Y: —
10Y: —

ROE

TTM: 9.75%
3Y: 8.54%
5Y: 7.07%
10Y: —

ROCE

TTM: 11.76%
3Y: 18.87%
5Y: 16.56%
10Y: —

Technicals

Oscillators

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Overall

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Bullish

Moving Averages

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SKPSEC		114.50	78 Cr	7.53	1.29	1.75	17.13	18.84	9.74
ACME		30.00	77 Cr	54.69	0.59	0.00	1.08	1.72	0.98
ABHICAP		109.50	75 Cr	28.93	1.02	0.00	3.51	4.38	3.31
COMFINCAP		7.47	73 Cr	9.83	0.68	1.23	7.48	10.26	7.01
DCCL		51.00	73 Cr	7.18	0.70	1.96	9.75	11.76	3.44
KAPILRAJ		1.51	72 Cr	30.20	5.51	0.00	4.66	6.85	51.60
SOFTRAKV		1.59	72 Cr	—	1.58	0.31	0.35	0.57	0.32
Median: 7 Co.	—	30.00	73 Cr	19.38	1.02	0.31	4.66	6.85	3.44

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	6.11	8.24	9.72	10	10	10	11	12	13	14
Expenses	2.51	3.05	2.93	3.34	3.03	2.84	3.36	4.03	3.73	4.24
Interest	3.66	4.21	5.07	4.74	4.82	4.90	4.93	4.96	5.33	5.77
Financing Profit	-0.06	0.98	1.72	2.24	2.19	2.48	2.69	2.91	3.50	4.48
Financing Margin %	-0.98	11.89	17.70	21.71	21.81	24.27	24.50	24.45	27.87	30.92
Other Income	0.23	0.37	0.49	0.12	0.36	0.11	0.02	0.14	0.05	-0.06
Depreciation	0.15	0.15	0.16	0.17	0.17	0.17	0.20	0.18	0.20	0.20
Profit Before Tax	0.03	1.21	2.05	2.20	2.38	2.42	2.51	2.87	3.35	4.22
Tax %	33.33	9.92	20.49	23.18	24.37	20.25	18.73	12.89	24.78	27.25
Net Profit	0.02	1.09	1.63	1.69	1.80	1.93	2.04	2.50	2.52	3.07
EPS in Rs	—	—	—	—	—	—	—	1.75	1.77	2.26
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	24	25	32	40	50
Expenses	8.70	9.06	11	12	15
Interest	12	12	16	20	21
Financing Profit	3.40	3.51	4.85	8.64	14
Financing Margin %	14.04	14.15	15.05	21.43	27.17
Other Income	0.70	0.74	0.64	1.09	0.16
Depreciation	0.55	0.59	0.60	0.67	0.79
Profit Before Tax	3.55	3.65	4.88	9.05	13
Tax %	357.97	391.74	409.37	451.17	462.62
Net Profit	2.56	2.72	3.69	7.04	10
EPS in Rs	—	—	—	—	—
Dividend Payout %	512.00	544.00	738.00	1,408.00	745.00

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	10	10	10	10	14
Reserves	52	54	57	64	90
Borrowings	107	122	167	144	184
Other Liabilities	2.16	3.04	3.43	4.58	6.15
Total Liabilities	170	189	237	223	294
Fixed Assets	8.58	8.59	8.22	7.44	7.33
CWIP	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00
Other Assets	162	180	229	215	287
Total Assets	170	189	237	223	294

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	11	-4.90	7.89	27	-29
Cash from Investing Activity	-11	14	3.67	4.14	-7.61
Cash from Financing Activity	-0.50	-0.50	-0.50	-42	39
Net Cash Flow	-0.77	8.63	11	-11	2.74

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Nov 2024	May 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	98.48%	68.98%	69.14%	69.14%	69.14%	69.14%
FIIs	0.00%	3.71%	0.00%	0.00%	0.00%	0.00%
DIIs	1.52%	7.27%	7.73%	6.60%	6.75%	6.65%
Public	0.00%	20.04%	23.13%	24.27%	24.11%	24.21%
Total Shareholders	18	983	530	527	498	518

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Q2 FY26

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Q4 FY25

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Credit Rating

4 days ago

Dar Credit & Capital - CARE BBB- Reaffirmed

Dar Credit & Capital Ltd: CARE Ratings has reaffirmed the company’s Non-Convertible Debentures rating at CARE BBB-; Stable for Rs.50 crore (letter dated July 21, 2026).

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Frequently Asked Questions about Dar Credit & Capital Ltd

Dar Credit & Capital Ltd (DCCL) is currently trading at 51.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Dar Credit & Capital Limited is an RBI‑registered non‑deposit taking NBFC focused on retail and MSME lending, specialising in personal loans to municipal employees, unsecured MSME loans and secured MSME (micro LAP) products across six states via 35 branches and camp offices; the company is listed on NSE Emerge and carries a CARE BBB‑ (Stable) rating. DCCL reported strong Q3 FY26 and 9M FY26 profitability with Q3 total income of ₹12.61 crore and Q3 PAT of ₹2.52 crore, nine‑month PAT of ₹7.04 crore, a low GNPA of ~1.5% and high capital adequacy of 43.84%, signalling conservative provisioning and large capital headroom to support growth without immediate equity raises. Management has articulated an explicit growth roadmap to scale AUM to ₹300 crore+ by March 2027 through targeted geographic expansion (Bihar, Jharkhand, Rajasthan), increased focus on secured MSME lending, additional NCD issuance and bank borrowing, demonstrating both operational intent and identifiable funding levers for that expansion. Technology underpins operations: DCCL uses an in‑house LOS/LMS called ‘Vijay’ (Qbent Technologies) and a cloud personal loan platform RISEMONEY, is piloting an app, and uses AI/analytics for credit scoring and fraud detection, combining digital underwriting with persistent branch‑level personal sourcing for underserved customers.

Over the past 52 weeks, Dar Credit & Capital Ltd has traded between a low of ₹33.00 and a high of ₹60.80. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Dar Credit & Capital Ltd has a market capitalization of approximately 72.81. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Dar Credit & Capital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 7.18 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 72.81 Cr, Dar Credit & Capital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Dar Credit & Capital Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Dar Credit & Capital Ltd is 7.18. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Dar Credit Capital Ltd

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Standalone Quarterly Results (in ₹ Crores)

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Dar Credit & Capital - CARE BBB- Reaffirmed

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Forecasts

Documents

Frequently Asked Questions about Dar Credit & Capital Ltd

What is Dar Credit & Capital Ltd share price today?

What does Dar Credit & Capital Ltd do?

What is the 52-week high and low of Dar Credit & Capital Ltd?

What is the market capitalization of Dar Credit & Capital Ltd?

Should I consider investing in Dar Credit & Capital Ltd stock?

Is Dar Credit & Capital Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Dar Credit & Capital Ltd belong to and why does it matter?

What is the PE ratio of Dar Credit & Capital Ltd?

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