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Dar Credit and Capital Listing Price
| Exchange | Listing Price | Gain/Loss | % |
|---|---|---|---|
| NSE | ₹65.15 | +₹5.15 | +8.58% |
Dar Credit and Capital Subscription
Last updated on 23-May-2025 18:39:02
| Category | Offered | Applied | Times |
|---|---|---|---|
| QIB | 812000 | 25408000 | 31.29 |
| NIB | 610000 | 127152000 | 208.45 |
| RETAIL | 1422000 | 149150000 | 104.89 |
| Total | 2844000 | 301710000 | 106.09 |
| Application Wise Breakup | |
|---|---|
| Category | App. Received |
| QIB | 27 |
| NIB | 5273 |
| RETAIL | 74575 |
| Total | 79875 |
| Subscription Demand (in ₹ crore) | |||
|---|---|---|---|
| Category | Offered | Demand | Times |
| QIB | 4.87 | 152.45 | 31.29 |
| NIB | 3.66 | 761.62 | 208.09 |
| RETAIL | 8.53 | 894.9 | 104.89 |
| Total | 17.06 | 1808.96 | 106.01 |
| 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 |
Dar Credit and Capital Lot(s) Distribution
| Category | Lot(s) | Qty | Amount | Reserved |
|---|---|---|---|---|
| Retail (10000 to 2 lakh) | 1 | 2000 | 120000 | 711 |
Dar Credit and Capital Reservation
| Category | Shares Offered | % |
|---|---|---|
| QIB | 812000 | 26.54% |
| HNI | 610000 | 19.93% |
| INDIVIDUAL | 1422000 | 46.47% |
| Market Maker | 216000 | 7.06% |
| Total | 3060000 | 100% |
Dar Credit and Capital About
IPO Reservation
| Investor Category | Shares Offered | No. of Shares |
|---|---|---|
| Retail | 33.26% | 1422000 |
| NII (HNI) | 14.27% | 610000 |
| QIB | 18.99% | 812000 |
| Anchor | 28.44% | 1216000 |
| Market Maker | 5.04% | 216000 |
| Total | 100.00% | 4276000 |
Dar Credit and Capital IPO Details
| Issue Size | 42,76,000 shares (aggregating up to ₹25.66 Cr) |
| Fresh Issue | 42,76,000 shares (aggregating up to ₹25.66 Cr) |
| Issue Type | Bookbuilding IPO |
| Listing At | NSE SME |
| Share Holding Pre Issue | 1,00,00,000 shares |
| Share Holding Post Issue | 1,42,76,000 shares |
| Market Maker Portion | 2,16,000 shares |
| Market Maker | Smc Global |
Key Performance Indicator (KPI)
| KPI | Dec-24 | Mar-24 | Mar-23 |
|---|---|---|---|
| ROE | 7.20% | 6.17% | 4.47% |
| ROCE | 9.70% | 9.22% | 8.78% |
| RONW | 7.06% | 6.08% | 4.74% |
| EPS (basic) | 4.92 | 3.97 | 2.93 |
| P/E Pre IPO | 15.12 | ||
| P/E Post IPO | 13.06 |
Company Financials In Crores
| Period Ended | Dec-24 | Mar-24 | Mar-23 |
|---|---|---|---|
| Assets | 221.6 | 235.8 | 187.3 |
| Revenue | 31.0 | 33.0 | 25.6 |
| Profit After Tax | 4.9 | 4.0 | 2.9 |
| Net Worth | 69.7 | 65.3 | 61.8 |
| Reserves and Surplus | 60.5 | 56.1 | 52.6 |
| Total Borrowing | 145.9 | 165.6 | 120.5 |
Company Overview
Name: Dar Credit and Capital Limited (DCCL)
Incorporation: 1994
Regulatory Status: Registered Non-Banking Finance Company (NBFC)
Core Offerings:
Personal Loans – For low-income individuals (e.g., municipal workers like cleaners, peons).
Unsecured MSME Loans – For small businesses and vendors.
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)
| Category | Share of Portfolio |
|---|---|
| Personal Loans | 44.46% |
| Micro Loans | 40.12% |
| Unsecured SME Loans | 2.65% |
| Secured MSME Loans | 12.76% |
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
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.
Dar Credit and Capital Latest Announcements
| Date | Subject | Attachment Text |
|---|
Dar Credit and Capital Financial Results
Dar Credit and Capital Lead Manager(s)
Dar Credit and Capital Address
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 Registrar
Dar Credit and Capital Reviewers
| Reviewer | Recommendation | File |
|---|