Dar Credit & Capital Ltd

DCCL

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Market Cap

₹ 67 Cr

P/E

8.18

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Neutral

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Dar Credit & Capital Limited is a Non-Deposit taking NBFC, providing personal, secured, and unsecured MSME loans primarily targeting low-income individuals and small businesses.

The company boasts a high capital adequacy ratio of 48.89%, significantly above the regulatory requirement, indicating strong financial stability and resilience.

Their recent IPO on NSE Emerge raised Rs. 26 crore, strengthening their capital base while maintaining consistent dividend payouts over the last six years.

The company has been expanding its geographical reach, opening new branches in Telangana and targeting rural and semi-urban markets to cater to underserved communities.

The adoption of digital platforms in loan management has been a focus, enabling real-time monitoring and improving customer satisfaction with faster and efficient service delivery.

Sector

Finance

Industry

NBFC-Others

Market Cap

67 Cr

Volatility

Low Risk

P/E Ratio

8.2

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

0.7

52W High

66.00

52W Low

44.00

Sales CAGR

25.26%

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10Y

—

Profit CAGR

90.79%

—

10Y

—

ROE

TTM

8.24%

6.59%

—

10Y

—

ROCE

TTM

11.70%

16.69%

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10Y

—

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AASTAFIN	45.84	71 Cr	8.71	0.90	0.00	10.29	11.23	6.15
EVERFIN	113.60	70 Cr	—	2.86	0.00	-15.45	-3.35	-13.51
RTFL	54.20	69 Cr	11.94	1.36	0.00	11.38	11.48	2.75
DCCL	47.20	67 Cr	8.18	0.67	1.06	8.24	11.70	3.21
KREONFIN	33.99	67 Cr	50.94	1.83	0.00	3.61	8.85	1.87
DHRUVCA	161.50	66 Cr	—	2.51	0.00	-11.71	-8.50	-8.66
COMFINCAP	7.40	64 Cr	10.24	0.68	1.24	6.59	8.50	5.48

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2022	Jun 2023	Sep 2023	Dec 2023	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	6.68	8.85	6.11	8.24	9.72	10	10	10	11	12
Expenses	2.24	3.01	2.51	3.05	2.93	3.34	3.03	2.84	3.36	4.03
Interest	3.29	3.65	3.66	4.21	5.07	4.74	4.82	4.90	4.93	4.96
Financing Profit	1.15	2.19	-0.06	0.98	1.72	2.24	2.19	2.48	2.69	2.91
Financing Margin %	17.22	24.75	-0.98	11.89	17.70	21.71	21.81	24.27	24.50	24.45
Other Income	0.23	0.05	0.23	0.37	0.49	0.12	0.36	0.11	0.02	0.14
Depreciation	0.13	0.15	0.15	0.15	0.16	0.17	0.17	0.17	0.20	0.18
Profit Before Tax	1.25	2.09	0.03	1.21	2.05	2.20	2.38	2.42	2.51	2.87
Tax %	40.00	24.88	33.33	9.92	20.49	23.18	24.37	20.25	18.73	12.89
Net Profit	0.75	1.57	0.02	1.09	1.63	1.69	1.80	1.93	2.04	2.50
EPS in Rs	—	—	—	—	—	—	—	—	—	1.75
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 2024	Mar 2025	TTM
Revenue	32	40	42
Expenses	11	12	13
Interest	16	20	19
Financing Profit	4.85	8.64	9.60
Financing Margin %	15.05	21.43	23.10
Other Income	0.64	1.09	0.61
Depreciation	0.60	0.67	0.71
Profit Before Tax	4.88	9.05	9.51
Tax %	409.37	451.17	21.56
Net Profit	3.69	7.04	7.46
EPS in Rs	—	—	—
Dividend Payout %	738.00	1,408.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2024	Mar 2025
Equity Capital	10	10
Reserves	57	64
Borrowings	167	144
Other Liabilities	3.43	4.58
Total Liabilities	237	223
Fixed Assets	8.22	7.44
CWIP	0.00	0.00
Investments	0.00	0.00
Other Assets	229	215
Total Assets	237	223

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

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

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Nov 2024	May 2025	Sep 2025
Promoters	98.48%	68.98%	69.14%
FIIs	0.00%	3.71%	0.00%
DIIs	1.52%	7.27%	7.73%
Public	0.00%	20.04%	23.13%
Total Shareholders	18	983	530

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 03, 2025	L7 hitech private limited	Bulk	Buy	54.57	0.47 Cr	86,000	0.60
Jul 11, 2025	Krishan murari bidawatka	Bulk	Buy	58.95	0.44 Cr	74,000	0.51
Jul 01, 2025	Achintya securities private l...	Bulk	Sell	59.50	0.04 Cr	6,000	0.04
Jul 01, 2025	Devi traders llp	Bulk	Sell	60.63	0.74 Cr	1,22,000	0.85
Jul 01, 2025	Achintya securities private l...	Bulk	Buy	60.78	0.44 Cr	72,000	0.50
Jul 01, 2025	Devi traders llp	Bulk	Buy	61.65	0.02 Cr	4,000	0.02
Jun 30, 2025	Devi traders llp	Bulk	Sell	61.05	0.35 Cr	58,000	0.40
Jun 30, 2025	Paradise moon investment fund-i	Bulk	Sell	61.40	0.97 Cr	1,58,000	1.10
Jun 30, 2025	Devi traders llp	Bulk	Buy	61.40	1.08 Cr	1,76,000	1.23
Jun 30, 2025	Piyush securities private lim...	Bulk	Buy	59.02	0.70 Cr	1,18,000	0.82

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Debt Issuance

5 days ago

Dar Credit & Capital Ltd Allots Non-Convertible Debentures

Dar Credit & Capital Limited has completed the allotment of 1000 Non-Convertible Debentures worth Rs. 10 crores through private placement.

Redemption Completion

6 days ago

Dar Credit & Capital Limited Completes Early Redemption of NCDs

Dar Credit & Capital Limited has successfully completed the early redemption of its Secured, Listed, Rated, Senior, Redeemable Non-Convertible Debentures amounting to Rs. 9.71 crores.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q4 FY25

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Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AASTAFIN	45.84	71 Cr	8.71	0.90	0.00	10.29	11.23	6.15
EVERFIN	113.60	70 Cr	—	2.86	0.00	-15.45	-3.35	-13.51
RTFL	54.20	69 Cr	11.94	1.36	0.00	11.38	11.48	2.75
DCCL	47.20	67 Cr	8.18	0.67	1.06	8.24	11.70	3.21
KREONFIN	33.99	67 Cr	50.94	1.83	0.00	3.61	8.85	1.87
DHRUVCA	161.50	66 Cr	—	2.51	0.00	-11.71	-8.50	-8.66
COMFINCAP	7.40	64 Cr	10.24	0.68	1.24	6.59	8.50	5.48

Overview

Detailed Summary

Dar Credit & Capital Limited is a Non-Deposit taking NBFC, providing personal, secured, and unsecured MSME loans primarily targeting low-income individuals and small businesses.

The company boasts a high capital adequacy ratio of 48.89%, significantly above the regulatory requirement, indicating strong financial stability and resilience.

Their recent IPO on NSE Emerge raised Rs. 26 crore, strengthening their capital base while maintaining consistent dividend payouts over the last six years.

The company has been expanding its geographical reach, opening new branches in Telangana and targeting rural and semi-urban markets to cater to underserved communities.

The adoption of digital platforms in loan management has been a focus, enabling real-time monitoring and improving customer satisfaction with faster and efficient service delivery.

Sector

Finance

Industry

NBFC-Others

Market Cap

67 Cr

Volatility

Low Risk

P/E Ratio

8.2

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

0.7

52W High

66.00

52W Low

44.00

Sales CAGR

25.26%

—

10Y

—

Profit CAGR

90.79%

—

10Y

—

ROE

TTM

8.24%

6.59%

—

10Y

—

ROCE

TTM

11.70%

16.69%

—

10Y

—