Dar Credit and Capital Limited (NSE SME)

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Dar Credit and Capital Limited (NSE SME)

May 21, 2025 – May 23, 2025

Price ₹57 - ₹60
Premium ₹10
Lot size 2000
Allotment May 26, 2025
Listing May 28, 2025

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Live Rate

Open
High
Low
Prev. Close
Lower circuit
Upper circuit
52w High
52w Low
P/E Ratio

Listing Price

Exchange Listing Price Gain/Loss %
NSE ₹65.15 +₹5.15 +8.58%

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Shareholding Pattern

Subscription

Last updated on 23-May-2025 18:39:02

CategoryOfferedAppliedTimes
QIB8120002540800031.29
NIB610000127152000208.45
RETAIL1422000149150000104.89
Total2844000301710000106.09
Application Wise Breakup
CategoryApp. Received
QIB27
NIB5273
RETAIL74575
Total79875
Subscription Demand (in ₹ crore)
CategoryOfferedDemandTimes
QIB4.87152.4531.29
NIB3.66761.62208.09
RETAIL8.53894.9104.89
Total17.061808.96106.01
QIB Interest Cost Per Share (7 Days)
@7%
₹2.5
@8%
₹2.9
@9%
₹3.2
@10%
₹3.6
@11%
₹4
@12%
₹4.3
HNI Interest Cost Per Share (7 Days)
@7%
₹16.8
@8%
₹19.2
@9%
₹21.6
@10%
₹23.9
@11%
₹26.3
@12%
₹28.7

About

Category Lot(s) Qty Amount Reserved
Retail (10000 to 2 lakh) 1 2000 120000 711
IPO Reservation
Investor CategoryShares OfferedNo. of Shares
Retail33.26%1422000
NII (HNI)14.27%610000
QIB18.99%812000
Anchor28.44%1216000
Market Maker5.04%216000
Total 100.00%4276000
Dar Credit and Capital IPO Details
Issue Size42,76,000 shares
(aggregating up to ₹25.66 Cr)
Fresh Issue42,76,000 shares
(aggregating up to ₹25.66 Cr)
Issue TypeBookbuilding IPO
Listing AtNSE SME
Share Holding Pre Issue1,00,00,000 shares
Share Holding Post Issue1,42,76,000 shares
Market Maker Portion2,16,000 shares
Market MakerSmc Global
Key Performance Indicator (KPI)
KPIDec-24Mar-24Mar-23
ROE7.20%6.17%4.47%
ROCE9.70%9.22%8.78%
RONW7.06%6.08%4.74%
EPS
(basic)
4.923.972.93
P/E
Pre IPO
15.12
P/E
Post IPO
13.06
Company Financials In Crores
Period EndedDec-24Mar-24Mar-23
Assets221.6235.8187.3
Revenue31.033.025.6
Profit After Tax4.94.02.9
Net Worth69.765.361.8
Reserves and Surplus60.556.152.6
Total Borrowing145.9165.6120.5
 

Company Overview

Name: Dar Credit and Capital Limited (DCCL)
Incorporation: 1994
Regulatory Status: Registered Non-Banking Finance Company (NBFC)
Core Offerings:

  1. Personal Loans – For low-income individuals (e.g., municipal workers like cleaners, peons).

  2. Unsecured MSME Loans – For small businesses and vendors.

  3. Secured MSME Loans – Collateral-backed loans for SMEs.
    Mission: Empower underserved segments, with a focus on women entrepreneurs and informal-sector workers.

Geographic Reach: 35 locations across Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand (as of Sept 30, 2024).
Employees: 223 (as of November 2024).


Loan Portfolio (Sept 2024)

CategoryShare of Portfolio
Personal Loans44.46%
Micro Loans40.12%
Unsecured SME Loans2.65%
Secured MSME Loans12.76%

Key Clientele:

  • Municipal/class-IV workers (cleaners, peons).

  • Small shopkeepers, street vendors.

  • Women-led micro-enterprises.

Strength

Speed & Flexibility: Quick loan processing and disbursement.

Local Market Expertise: Deep understanding of regional economies and borrower needs.

Technology-Driven Operations: Advanced credit assessment and risk management tools.

Weakness

Interest Rate Risk: Fluctuations in interest rates may impact net interest income and margins, adversely affecting financial performance.

Geographic Risk: Exposure to multiple states makes the loan portfolio vulnerable to adverse regional developments, impacting operations and cash flows.

Customer Segment Risk: Serving higher-risk borrower segments typical of the NBFC industry may lead to increased NPAs, provisions, and write-offs, affecting profitability.

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Latest Announcements

Date Subject Attachment Text Pdf

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Financial Results

Address

Dar Credit and Capital Limited
Business Tower, 206
AJC Bose Road
6 th Floor, Unit No. 6B,
Phone: +91 9883847875
Email: co.secretary@darcredit.com
Website: https://www.darcredit.com/

Registrar

Kfin Technologies Limited
Address: Kfin Technologies Limited KFintech, Tower-B, Plot No 31 & 32, Financial District, Nanakramguda, Gachibowli, Hyderabad, Telangana India - 500 032.