ALFA Finder| Revenue growth | Income grew 20.9% YoY to ₹50.05cr in FY26. |
|---|---|
| Margins | EBITDA grew 18.6% YoY; costs slightly trailing revenue growth. |
| Demand visibility | Strong demand for accessible credit in underserved MSME segments. |
| Management confidence | Balanced; emphasizing sustainable, cautious growth over aggressive scaling. |
Growth
FY26 income grew 20.9% to ₹50.05cr, while PAT jumped 43.9%. Growth is driven by the secured MSME portfolio, now comprising 30% of total AUM.
Outlook
AUM guided to reach ₹260-275cr in FY27 from current ₹229.5cr. Management plans to add 5-7 new branches within existing operating states.
Risks
Concentration in municipal employee loans (35% AUM) poses duration risk, though collection is via payroll deduction. Expanding into new West Bengal areas increases local economic dependency.
Earnings Call filed with NSE, NSE: DCCL. Summary written with AI assistance from the document.
Dar Credit & Capital Ltd: key numbers
- Share price
- ₹39.50
- Market cap
- ₹56.39 Cr
- Revenue (annual)
- ₹49.89 Cr
- Net profit (annual)
- ₹10.13 Cr
- P/E (TTM)
- 5.6×Sector 21.0×
- Promoter holding
- 69.14%+0.00% QoQ
- FII holding
- 0.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Dar Credit & Capital Ltd
All →Dar Credit & Capital Results Update
Dar Credit & Capital filed a press release reporting Q2 and H1 FY27 results, with total income up 26.8% YoY in Q2 to ₹15.22 Cr. Profit after tax was broadly flat, with higher finance costs weighing on earnings.
Dar Credit & Capital Q2 FY27 Results: Net Profit ₹2.5 Cr, Up 0.0% YoY
Dar Credit & Capital Ltd reported revenue from operations of ₹15 Cr (+26.1% YoY) and net profit of ₹2.5 Cr (+0.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹2.5 Cr · +0.0% YoY
Dar Credit & Capital Debt & Borrowing: ₹0.15 Cr
Dar Credit & Capital paid Rs.0.15 Crore interest on ISIN INE04Q907231 on 10 November 2026. The payment services a Rs.15 Crore NCD issue on a monthly frequency.
- Value
- ₹0.15 Cr
Dar Credit & Capital Board Meeting Date
Dar Credit & Capital Limited has scheduled a board meeting for November 10, 2026. The board will consider and approve un-audited financial results for the quarter ended September 2026.
Dar Credit & Capital Debt & Borrowing: ₹15 Cr
Dar Credit & Capital's FMC approved allotment of 15,000 secured NCDs aggregating ₹15 Crore via private placement. The 30-month, 13% NCDs carry a 110% receivable charge.
- Value
- ₹15.00 Cr
- Execution
- 30 months
Dar Credit & Capital Debt & Borrowing: ₹0.39 Cr
Dar Credit & Capital Limited has successfully paid interest totaling Rs. 0.39 Crore for two NCD series. The payments were made on November 3, 2026, for ISINs INE04Q907124 and INE04Q907157.
- Value
- ₹0.39 Cr