Dar Credit & Capital
- Market cap
- ₹ 51 Cr.
- P/E
- 4.9x
- P/B
- 0.49x
- 52-week range
- 33 – 59.8
- ROE
- 11%
- Dividend yield
- 2.8%
- Debt / equity
- 1.78
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE SME
About
Dar Credit & Capital Limited is an India-based non-banking finance company. The Company offers three primary types of financial products: personal loans, unsecured micro, small, and medium enterprise (MSME) loans, and secured MSME loans. It offers personal loans to low-income individuals, primarily class-four permanent employees such as cleaners, sweepers, and peons working in municipalities. The Company provides access to funds for a range of personal needs, including medical emergencies, children's education, marriage expenses, and other social obligations. The Company offers unsecured MSME loans to people in rural and semi-urban areas predominantly in West Bengal, Bihar and Jharkhand. Unsecured MSME loan is a type of business loan provided to MSMEs without the need for the borrower to provide collateral or security. The Company offers MSME loans which are specifically tailored to support the financial needs of small and medium-sized business enterprises.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Dar Credit & Capital against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)4.9 against a typical 22.5: cheaper than most peers (1st = cheapest).15th of 284
- Sales growth+20.9% against a typical +18.3% from a year earlier.125th of 259
- Profit growth+0.5% against a typical +20.2% from a year earlier.133rd of 214
- Share price, 3 months−28.6% against a typical −4.2%.239th of 258
- Size₹ 51.1 Cr. market value against a typical ₹ 43 Cr. (1st = largest).127th of 269
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | Withdrawn | — | 6 Jan 2026 |
Every agency has withdrawn its rating.
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 6 Jan 2026 | Withdrawn | — | — | CARE | — | |
| 20 Aug 2025 | Reaffirmed | CARE BBB- | — | CARE | ₹ 7.3 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 22 Sep 2026 | Fund Raising | Meeting of the Finance Management Committee of the Company is scheduled to be held on September 22, 2026 inter alia to consider Fund Raising via issuance of Non- Convertible Debentures on private placement basis. |
| 10 Aug 2026 | Financial Results | To consider and approve the Unaudited financial results for the quarter ended Jun 30, 2026 |
| 27 Jul 2026 | Fund Raising | Meeting of the Finance Management Committee of the Company for the purpose of issuance of Non- Convertible Debentures (NCDs) upto a limit of 50 crs. on private placement basis. |
| 17 Jun 2026 | Fund Raising/Other business matters | To consider Fund Raising by way of providing blanket approval for issuance of Non- Convertible Debentures for an amount of Rs. 350 crores and subsequent delegation of powers to the Finance Management Committee and other business matters. |
| 29 May 2026 | Fund Raising | To consider Fund Raising by allotment of 14,000 Non- Convertible Debentures having face value of Rs. 10,000/- on private placement basis. |
| 15 May 2026 | Board Meeting Intimation | Dar Credit & Capital Limited has informed the Exchange about Board Meeting to be held on 15-May-2026 to consider and approve the Yearly Audited Financial results of the Company for the period ended March 2026 and Dividend. |
Financials
Standalone figures in ₹ crore.
| ₹ Cr. | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 10 | 10 | 10 | 10 | 11 | 12 | 13 | 14 | 13 |
| Interest | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 |
| Expenses | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 |
| Financing Profit | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 2 |
| Financing Margin % | 17.7% | 21.7% | 21.7% | 24.3% | 24.5% | 24.5% | 28% | 30.9% | 18.2% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 4 | 2 |
| Tax % | 21% | 23.3% | 24.5% | 21.4% | 18.7% | 13.2% | 24.7% | 26.5% | 10.9% |
| Net Profit | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 2 |
| EPS in Rs | 1.63 | 1.69 | 1.8 | 1.91 | 1.43 | 1.75 | 1.77 | 2.23 | 1.44 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- —
- 5 Years
- 13%
- 3 Years
- 25%
- TTM
- 26%
- 10 Years
- —
- 5 Years
- 25%
- 3 Years
- 55%
- TTM
- 38%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- —
- TTM
- —
- 10 Years
- —
- 5 Years
- 7%
- 3 Years
- 9%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Dar Credit & Capital | ₹ 35.00 | ₹ 51 Cr. | 4.9x | 0.5x | 11% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 23.3x | 5.4x | — | 24.2% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.2x | 2.8x | — | 22.8% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 85.3x | 1x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 27.7x | 3x | — | 17.2% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 4.6x | 0.9x | — | 29.1% |
Management
- Ramesh Kumar Vijay
- Executive Chairman of the Board
- Jayanta Banik
- Chief Executive Officer
- Saket Saraf
- Chief Financial Officer
- Rajkumar Vijay
- Whole Time Director
- Priya Kumari
- Company Secretary
Prices are delayed and for information only. Nothing on this page is investment advice.