🔥 We have been featured on Shark Tank India.Episode 13

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Standalone Quarterly Results (in ₹ Crores)

Total Figures
QoQ Changes
Total Figures
Jun 2023Sep 2023Dec 2023Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue8.856.118.249.72101010111213
Expenses3.012.513.052.933.343.032.843.364.033.73
Interest3.653.664.215.074.744.824.904.934.965.33
Financing Profit2.19-0.060.981.722.242.192.482.692.913.50
Financing Margin %24.75-0.9811.8917.7021.7121.8124.2724.5024.4527.87
Other Income0.050.230.370.490.120.360.110.020.140.05
Depreciation0.150.150.150.160.170.170.170.200.180.20
Profit Before Tax2.090.031.212.052.202.382.422.512.873.35
Tax %24.8833.339.9220.4923.1824.3720.2518.7312.8924.78
Net Profit1.570.021.091.631.691.801.932.042.502.52
EPS in Rs1.751.77
Gross NPA %0.000.000.000.000.000.000.000.000.000.00
Net NPA %0.000.000.000.000.000.000.000.000.000.00

Standalone Profit Loss (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2024Mar 2025TTM
Revenue324042
Expenses111213
Interest162019
Financing Profit4.858.649.60
Financing Margin %15.0521.4323.10
Other Income0.641.090.61
Depreciation0.600.670.71
Profit Before Tax4.889.059.51
Tax %409.37451.1721.56
Net Profit3.697.047.46
EPS in Rs
Dividend Payout %738.001,408.00

Standalone Balance Sheet (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2024Mar 2025
Equity Capital1010
Reserves5764
Borrowings167144
Other Liabilities3.434.58
Total Liabilities237223
Fixed Assets8.227.44
CWIP0.000.00
Investments0.000.00
Other Assets229215
Total Assets237223

Standalone Cash Flows (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity11-4.907.8927
Cash from Investing Activity-11143.674.14
Cash from Financing Activity-0.50-0.50-0.50-42
Net Cash Flow-0.778.6311-11

Shareholdings

Shareholding History

Quarterly
Yearly
Quarterly
Nov 2024May 2025Sep 2025Dec 2025
Promoters98.48%68.98%69.14%69.14%
FIIs0.00%3.71%0.00%0.00%
DIIs1.52%7.27%7.73%6.60%
Public0.00%20.04%23.13%24.27%
Total Shareholders18983530527

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Frequently Asked Questions about Dar Credit & Capital Ltd

Dar Credit & Capital Ltd (DCCL) is currently trading at 42.90 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 ₹40.00 and a high of ₹66.00. 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 61.24. 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 5.99 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 61.24 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 Finance 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 5.99. 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.