| 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
- ₹41.85
- Market cap
- ₹59.75 Cr
- Revenue (annual)
- ₹49.89 Cr
- Net profit (annual)
- ₹10.13 Cr
- P/E (TTM)
- 5.9×Sector 22.0×
- 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 Debt & Borrowing: ₹0.06 Cr
Dar Credit & Capital confirmed timely monthly interest payment of ₹0.06 Crore on NCD (ISIN INE04Q907173). No redemption or delay occurred.
- Value
- ₹0.06 Cr
Dar Credit & Capital Debt & Borrowing: ₹50 Cr
Dar Credit & Capital's Finance Management Committee approved NCD issuance up to ₹50 Crore on private placement basis. The rated, secured debentures will be listed on NSE.
- Value
- ₹50.00 Cr
Dar Credit & Capital Debt & Borrowing: ₹0.09 Cr
DCCL confirmed monthly interest payment of Rs. 9.24 Lakh on its Rs. 10 Crore debt instrument. Payment made September 21, 2026, per KID business-day convention.
- Value
- ₹0.09 Cr
Dar Credit & Capital Board Meeting Date
Dar Credit & Capital Ltd. will hold a Finance Management Committee meeting on September 22, 2026, to consider raising funds via non-convertible debentures.
Dar Credit & Capital Debt & Borrowing
Dar Credit & Capital Limited filed its security cover certificate for the quarter ended June 30, 2026, confirming a security cover of 1.08 times.
Dar Credit & Capital Debt & Borrowing: ₹0.09 Cr
Dar Credit & Capital confirmed payment of Rs. 0.09 Crore monthly interest on NCD INE04Q907108. Routine Reg 57 filing verifies timely coupon payment on September 11, 2026.
- Value
- ₹0.09 Cr