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Dar Credit & Capital share price & results

Dar Credit & Capital Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q4 FY26
Ownership as of
Jun 2026

Kolkata-based base-layer NBFC lending personal loans to municipal-corporation employees and secured/unsecured MSME loans to small shopkeepers and women entrepreneurs across eastern and northern India.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue13.3 ₹ crore+20.9% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit2.1 ₹ crore+0.5% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity11.53 %+1.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)25.67 %−2.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

1 of 4 judged targets kept · 7 open · verdicts reflect calls analysed to Q4 FY26.

Dar Credit & Capital Limited management guidance track record on Inve: 11 targets tracked across analysed earnings calls (1 achieved, 3 missed, 7 open).

TargetOriginal wordingSaidLatest callVerdict
Cost of Fundsat least 1% down from 14-15.5%
Call transcript, Q4 FY25 · 2 Jun 2025		Q4 FY25Q4 FY26:Cost of funds reported at 'around 14%', which is a deterioration from Q3 but still meets the original target of being at least 1% down from the 14-15.5% baseline.
Call transcript, Q4 FY26 · 27 May 2026		Achieved
AUMminimum INR 300 crores by March 2026
Call transcript, Q4 FY25 · 2 Jun 2025		Q4 FY25Q4 FY26:Achieved INR 229.55 crores, just below the twice-revised target of INR 230-235 crores.
Call transcript, Q4 FY26 · 27 May 2026		Missed
AUMcross INR 300 crores plus
Call transcript, Q3 FY26 · 17 Feb 2026		Q3 FY26Q4 FY26:FY27 AUM target revised down to 'around 270-280 crores', a significant reduction from the initial 'cross INR 300 crores plus' guidance.
Call transcript, Q4 FY26 · 27 May 2026		Revised Down

Source: Inve Guidance Tracker for Dar Credit & Capital Limited · to Q4 FY26

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

3 of Dar Credit & Capital Limited's 11 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 8 more targets are in the full ledger.

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Price

₹35 0.00% · ₹0

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −34.1% 1Y

₹35.0₹40.0₹45.0₹50.0₹55.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 14 Nov 2025Q3 FY26 — 17 Feb 2026Q4 FY26 — 27 May 2026

1Y: ₹53.1 on 24 Oct 2025 → ₹35. High ₹57.5 (6 Nov 2025), low ₹33.7 (19 Mar 2026).

Previous close
₹35
Market cap
₹60 Cr
52-week range
₹33.7 – ₹57.5
One year
−36.36%
Price to earnings (TTM to Jun 2026)
5.83×
Return on equity (TTM to Jun 2026)
11.53%

Overview

Symbol
NSE:DCCL
Exchange
NSE
Currency
INR

What Dar Credit & Capital Limited does

Based on the company's own presentations, annual report and earnings calls.

Dar Credit & Capital Limited (DCCL) is a non-deposit-taking, base-layer NBFC registered with the RBI, incorporated in 1994. It lends to underbanked customers: personal loans to municipal corporation employees such as cleaners, sweepers and peons, and secured/unsecured MSME loans to small shopkeepers, vendors and women entrepreneurs. The company operates through branch offices in West Bengal, Rajasthan, Bihar and Jharkhand, and camp offices in Madhya Pradesh and Gujarat, funding its book through borrowings from banks and NBFCs and a business-correspondent tie-up with ESAF Small Finance Bank. It also holds a managed loan portfolio alongside its own book, and runs its loan origination and management on in-house ('Vijay') and third-party (RISEMONEY) software platforms.

Segments

  • Personal Loans to Municipal Corporation Employees
  • Unsecured MSME Loans
  • Secured MSME Loans
  • Managed Loan Book
Branches
35 branches and camps across 68 districts in 6 states
States of operation
6 (West Bengal, Rajasthan, Bihar, Jharkhand, Madhya Pradesh, Gujarat)
Active customers
22,553
Employees
260+
Total loan assets (own + managed)
₹294.47 Cr as of March 2026
Own loan portfolio
₹229.54 Cr as of March 2026
Founded 1994Headquarters Kolkata, West BengalEmployees 260 (FY26) Company website

How the price took the results

close before → close after

Q4 FY26
−1.8%
27 May
Q3 FY26
+2.4%
17 Feb
Q2 FY26
+0.1%
14 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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