Dar Credit & Capital Ltd

Dar Credit & Cap Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Dar Credit & Capital Ltd

₹ 38.6 -0.90%
12 Mar 3:41 p.m.
darcredit.com NSE - SME: DCCL
About

Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering various financial products.[1]

Key Points

Business Profile:[1]
Incorporated in 1994 and registered as an NBFC with the RBI in 2007, the company focuses on providing credit solutions to low-income and underserved populations. Its primary target segments include municipality workers (class-four employees), women entrepreneurs, and rural and semi-urban micro and small businesses.

Website NSE - SM
  • Market Cap ₹ 55.2 Cr.
  • Current Price ₹ 38.6
  • High / Low ₹ 66.0 / 38.4
  • Stock P/E 6.15
  • Book Value ₹ 70.6
  • Dividend Yield 1.29 %
  • ROCE 12.5 %
  • ROE 9.67 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.55 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 6.66% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
9.72 10.32 10.04 10.22 10.95 11.90 12.56
Interest 5.07 4.74 4.82 4.90 4.93 4.96 5.33
2.93 3.34 3.04 2.84 3.36 4.02 3.72
Financing Profit 1.72 2.24 2.18 2.48 2.66 2.92 3.51
Financing Margin % 17.70% 21.71% 21.71% 24.27% 24.29% 24.54% 27.95%
0.49 0.12 0.36 0.11 0.02 0.14 0.05
Depreciation 0.16 0.17 0.17 0.17 0.20 0.18 0.20
Profit before tax 2.05 2.19 2.37 2.42 2.48 2.88 3.36
Tax % 20.98% 23.29% 24.47% 20.25% 18.55% 13.19% 24.70%
1.63 1.69 1.80 1.93 2.02 2.50 2.52
EPS in Rs 1.63 1.69 1.80 1.93 1.41 1.75 1.77
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
27.63 24.77 25.44 32.70 40.96 45.63
Interest 15.47 12.13 12.22 16.17 19.54 20.12
7.56 8.69 9.07 11.19 12.13 13.94
Financing Profit 4.60 3.95 4.15 5.34 9.29 11.57
Financing Margin % 16.65% 15.95% 16.31% 16.33% 22.68% 25.36%
0.14 0.15 0.09 0.15 0.43 0.32
Depreciation 0.55 0.55 0.59 0.60 0.67 0.75
Profit before tax 4.19 3.55 3.65 4.89 9.05 11.14
Tax % 18.38% 27.89% 25.48% 24.34% 22.10%
3.42 2.56 2.72 3.69 7.04 8.97
EPS in Rs 3.42 2.56 2.72 3.69 7.04 6.86
Dividend Payout % 14.62% 19.53% 18.38% 13.55% 7.10%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 18%
TTM: 25%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 39%
TTM: 84%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 7%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 10.00 10.00 10.00 10.00 10.00 14.28
Reserves 50.65 51.52 53.73 56.97 63.52 85.70
Borrowing 118.52 106.77 121.83 166.79 144.50 153.47
2.40 2.16 3.05 3.44 4.57 3.64
Total Liabilities 181.57 170.45 188.61 237.20 222.59 257.09
0.00 8.58 8.59 8.22 7.44 7.45
CWIP 0.00 0.00 0.00 0.00 0.00 0.00
Investments 8.86 16.96 5.79 6.92 0.24 1.28
172.71 144.91 174.23 222.06 214.91 248.36
Total Assets 181.57 170.45 188.61 237.20 222.59 257.09

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
105.93 10.71 -4.90 -20.91 26.71
-0.71 -10.98 14.03 3.67 4.14
-100.70 -0.50 -0.50 28.30 -42.33
Net Cash Flow 4.52 -0.77 8.63 11.06 -11.48

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 5.47% 4.16% 4.34% 5.65% 9.67%

Insights

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Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2025
Assets Under Management (AUM)
₹ Crore

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Capital Adequacy Ratio (CAR)
%
Gross Non-Performing Assets (GNPA)
%
Annual Loan Disbursements
₹ Crore
Number of Branches
Count
Active Customers
Count

Shareholding Pattern

Numbers in percentages

2 Recently
May 2025Sep 2025Dec 2025
68.98% 69.14% 69.14%
3.71% 0.00% 0.00%
7.76% 7.73% 6.60%
19.54% 23.13% 24.27%
No. of Shareholders 982530527

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

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