Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering three primary types of financial products:
- Personal Loans,
- Unsecured MSME Loans,
- Secured MSME Loans.
The company offers credit solutions to low-income individuals, especially those in class-four employment roles like cleaners and peons in municipalities.
Additionally, DCCL extends credit to small-scale shopkeepers and vendors, strongly focusing on empowering women entrepreneurs.
As of September 30, 2024, DCCL operated in 35 locations across Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand.
The company’s loan portfolio was moderately diversified, comprising 44.46% personal loans to individuals, 40.12% micro loans, 2.65% unsecured SME loans, and 12.76% secured MSME loans.
As of November 2024, the company had 223 employees.
Dar Credit and Capital IPO – Details
| IPO Opening Date | 21 May 2025 |
| IPO Closing Date | 23 May 2025 |
| Issue Type | Book Built Issue IPO |
| Issue Size | Total Issue Size: 42,76,000 Shares Worth ₹25.66 Crore Fresh Issue: 42,76,000 Shares Worth ₹25.66 Crore |
| Face Value | ₹10 per equity share |
| IPO Price | ₹57 – ₹60 per share |
| Market Lot | 2000 Shares |
| Min Order | 2000 Shares (1 Lot) |
| Listing At | NSE SME |
| Register | Kfin Technologies Limited |
| QIB Shares Offered | 50% |
| NII (HNI) Shares Offered | 15% |
| Retail Shares Offered | 35% |
Dar Credit and Capital IPO – Date Schedule
| IPO Open Date | 21 May 2025 |
| IPO Close Date | 23 May 2025 |
| Basis of Allotment | 26 May 2025 |
| Initiation of Refund | 27 May 2025 |
| Credit of Shares to Demat Account | 27 May 2025 |
| IPO Listing Date | 28 May 2025 |
| Cut-off time for UPI mandate confirmation | 5 PM on May 23, 2025 |
Dar Credit and Capital IPO – Lots Size & Price
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 2000 | ₹1,20,000 |
| Retail (Max) | 1 | 2000 | ₹1,20,000 |
| HNI (Min) | 2 | 4000 | ₹2,40,000 |
Competitive Strengths
- Quick and Efficient Loan Processing along with flexible Lending Practices.
- Strong Understanding of Local Markets.
- Use technology to improve credit assessment, risk management, and customer service, allowing us to swiftly process applications and disburse loans.
- Experienced and Qualified Management Team.
Company Promoters
- Mr. Ramesh Kumar Vijay
- Mr. Rajkumar Vijay
- Mrs. Rakshita Vijay
Company Financials
| Particulars | Total Revenue | Total Expense | Profit After Tax | Total Borrowing |
|---|---|---|---|---|
| 31 March 2022 | 24.42 | 21.39 | 2.23 | 106.07 |
| 31 March 2023 | 25.56 | 21.89 | 2.72 | 120.45 |
| 31 March 2024 | 33.01 | 28.09 | 3.68 | 165.58 |
| 30 June 2024 | 10.18 | 8.17 | 1.51 | 159.24 |
Key Performance Indicator
| KPI | Values |
|---|---|
| ROE | 5.78% |
| ROCE | 9.10% |
| Debt/Equity | 2.53 |
| PAT Margin | 11.49 |
| Price to Book Value | 0.92 |
| Pre IPO | Post IPO | |
| EPS (Rs) | 3.68 | 4.25 |
| P/E (x) | 16.29 | 14.12 |
Object Of The Issue
- Augment the capital base of the Company.
- Issue Expenses.
- General corporate purposes.
Dar Credit and Capital IPO Promoter Holding
| Pre Issue Share Holding | 98.48% |
| Post Issue Share Holding | – |
Dar Credit and Capital IPO Prospectus
- Dar Credit and Capital IPO DRHP
- Dar Credit and Capital IPO RHP
Company Contact Information
| 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/ |
Dar Credit and Capital IPO Registrar
| Kfin Technologies Limited Phone: 04067162222, 04079611000 Email: dccl.ipo@kfintech.com Website: https://kosmic.kfintech.com/ipostatus/ |
Dar Credit and Capital IPO Lead Manager(s)
| 1. GYR Capital Advisors Private Limited |
Dar Credit and Capital IPO FAQs
| What is Dar Credit and Capital IPO? Dar Credit and Capital IPO is a SME IPO. The issue is priced at ₹57 to ₹60 per equity share. The IPO is to be listed on NSE SME. |
| When Dar Credit and Capital IPO will open? The IPO is to open on 21 May 2025 for QIB, NII, and Retail Investors. |
| What is Dar Credit and Capital IPO Investors Portion? The investors’ portion for QIB – 50%, NII – 15%, and Retail – 35%. |
| How to Apply the Dar Credit and Capital IPO? You can apply Dar Credit and Capital IPO via ASBA online via your bank account. You can also apply for ASBA online via UPI through your stock brokers. You can also apply via your stock brokers by filling up the offline form. |
| How to Apply the Dar Credit and Capital IPO through Angle One? Log in to Angle One Application with your credentials. Select the IPO. You will see the IPO Name “Dar Credit and Capital IPO”. Click on Bid Button. Confirm your Application. Now go to your UPI App on Net Banking or BHIM App to Approve the mandate. Open Demat Account with Angle One. |
| How to Apply the Dar Credit and Capital IPO through 5 Paisa? Log in to 5 Paisa Application with your credentials. Select the IPO. You will see the IPO Name “Dar Credit and Capital IPO“. Click on Bid Button. Confirm your Application. Now go to your UPI App on Net Banking or BHIM App to Approve the mandate. Open Demat Account with 5 Paisa. |
| How to Apply the Dar Credit and Capital IPO through Upstox? Log in to Upstox Application with your credentials. Select the IPO. You will see the IPO Name “Dar Credit and Capital IPO”. Click on Bid Button. Confirm your Application. Now go to your UPI App on Net Banking or BHIM App to Approve the mandate. Open Demat Account with Upstox. |
| How to Apply the Dar Credit and Capital IPO through IIFL? Log in to IIFL Application with your credentials. Select the IPO. You will see the IPO Name “Dar Credit and Capital IPO“. Click on Bid Button. Confirm your Application. Now go to your UPI App on Net Banking or BHIM App to Approve the mandate. Open Demat Account with IIFL. |
| What is Dar Credit and Capital IPO Size? Dar Credit and Capital IPO size is ₹25.66 Crore. |
| What is the Dar Credit and Capital IPO Price Band? Dar Credit and Capital IPO Price Band is ₹57 to ₹60. |
| What is Dar Credit and Capital IPO Minimum and Maximum Lot Size for Retail? The minimum bid is 2000 Shares with ₹1,20,000 amount while the maximum bid is 2000 Shares with ₹1,20,000. |
| What is the Dar Credit and Capital IPO Allotment Date? Dar Credit and Capital IPO allotment date is 26 May 2025. |
| What is the Dar Credit and Capital IPO Listing Date? Dar Credit and Capital IPO listing date is 28 May 2025. The IPO is to be listed on NSE SME. |
