Dar Credit And Capital Limited
Minimum investment
Bidding date
21 May - 23 May 2025
Price range
—
Minimum quantity
2,000
Minimum investment
₹1,14,000
Issue size
—
Listing exchange
NSE/BSE
Dar Credit and Capital Limited (DCCL) is a Non-Banking Financial Company (NBFC) established in 1994. With over three decades of experience, the company specializes in offering inclusive credit solutions tailored to underserved segments of society. Its core financial products include Personal Loans, Unsecured MSME Loans, and Secured MSME Loans.
DCCL primarily caters to individuals from low-income backgrounds such as Class IV municipal employees (e.g., sweepers, peons), street vendors, small shopkeepers, and women entrepreneurs. The company focuses on financial inclusion and empowerment by extending affordable credit with flexible repayment options.
As of September 30, 2024, DCCL operated in 35 locations across 7 Indian states including Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand. The company’s diversified loan portfolio consists of 44.46% Personal Loans, 40.12% Micro Loans, 2.65% Unsecured SME Loans, and 12.76% Secured MSME Loans.
Experienced Promoter Group: Backed by promoters with over 30 years of experience in the NBFC sector, ensuring stable leadership and industry knowledge.
Consistent Financial Growth: The company has shown steady growth in revenue and profitability over the past three financial years.
Strong Margins: High EBITDA margin of 66.40% and PAT margin of 12.38% indicate strong operational efficiency.
Focus on Underserved Markets: Provides credit to low-income individuals and small vendors, tapping into a niche and relatively less competitive market.
High Debt-Equity Ratio: A ratio of 2.51 reflects higher leverage, which may impact financial stability if not managed carefully.
Limited Scalability: Primarily operational in rural and semi-urban areas, which may restrict rapid expansion opportunities.
Regulatory Dependency: As an NBFC, the company is exposed to regulatory changes and compliance requirements from RBI and other authorities.
Concentrated Loan Portfolio: Major exposure to personal and micro loans increases credit risk in case of economic stress.
4.92 Cr.
Dec'24
