Dar Credit and Capital SME IPO
ListedNSE SMEOpens 21 May 2025Closes 23 May 2025
Dar Credit and Capital Limited (DCCL), started in 1994, is a Non-Banking Finance Company (NBFC) that offers three main types of loans: (i) Personal Loans, (ii) Unsecured MSME Loans, and (iii) Secured MSME Loans. The…
Dar Credit and Capital Limited (DCCL), started in 1994, is a Non-Banking Finance Company (NBFC) that offers three main types of loans: (i) Personal Loans, (ii) Unsecured MSME Loans, and (iii) Secured MSME Loans. The company mainly provides loans to low-income individuals, including class-four government workers like cleaners and peons. It also supports small shopkeepers and traders, especially women entrepreneurs. As of September 30, 2024, DCCL had 35 branches across Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand.
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Key ratios
As per RHP / filingsTimeline
IPO Opens
21 May
IPO Closes
23 May
Allotment
26 May
Listing
28 May
IPO Timeline & Listing Details
| Event | Date |
|---|---|
| IPO Open Date | 21 May 2025 |
| IPO Close Date | 23 May 2025 |
| Allotment Date | 26 May 2025 |
| Listing Date | 28 May 2025 |
Investment Categories
| Category | Lots | Amount |
|---|---|---|
Individual | 2 | ₹2,40,000 |
SHNI (Min) | 3 | ₹3,60,000 |
SHNI (Max) | 8 | ₹9,60,000 |
BHNIAbove ₹10,00,000 | 9 | ₹10,80,000 |
IPO Objectives
- Augment the capital base of the Company
- General Corporate Purposes.
- Issue Expenses
Strengths
- Fast digital loan processing offers quick access and boosts customer satisfaction.
- Flexible lending models cater well to small businesses and underserved clients.
- Deep understanding of local markets helps deliver customized financial solutions.
- AI-powered risk tools enhance loan quality and reduce chances of default.
- Strong tech-backed operations enable scalability and better customer targeting.
Weaknesses
- Loan portfolio is concentrated in specific regions, reducing geographic spread.
- Serving high-risk segments increases chances of non-performing assets (NPAs).
- Relies heavily on accurate borrower data, which may affect loan decisions.
- IT system failures or outages can disrupt services and hurt customer trust.
Financial Performance
| Period Ended | 30 Jun 2024 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|
| Assets (₹ Cr.) | 230.1 | 235.06 | 186.79 |
| Revenue (₹ Cr.) | 10.19 | 33.01 | 25.57 |
| PAT (₹ Cr.) | 1.52 | 3.68 | 2.72 |
| Net Worth (₹ Cr.) | 66.35 | 65.34 | 62.15 |
Peer Comparison
| Company | P/B Ratio | P/E Ratio | RONW (%) | Net Worth (₹ Cr.) |
|---|---|---|---|---|
| Dar Credit and Capital Limited | 0.92 | 16.29 | 6.08% | 66.35 |
| Spandana Sphoorty Financial | 0.58 | 3.94 | 13.74% | 3,645 |
| Muthoot Microfin Limited | 0.84 | 4.82 | 16.03% | 2,804 |
Subscription Details
Daily Bids Status
| Category | Day 1 | Day 2 | Day 3 |
|---|---|---|---|
| QIB | 1.65x | 2.65x | 31.29x |
| NII | 3.9x | 16.81x | 208.41x |
| RII | 9.16x | 29.72x | 103.47x |
| Total | 5.89x | 19.22x | 105.37x |
Overall Subscription Statistics
| Category | Shares Offered | Shares Bid | Bid Amount (₹ Cr) |
|---|---|---|---|
| QIB | 8,12,000 | 2,54,08,000 | 152.45 |
| NII | 6,10,000 | 12,71,28,000 | 762.77 |
| RII | 14,22,000 | 14,71,38,000 | 882.83 |
| Total | 28,44,000 | 29,96,74,000 | 1,798.04 |
Company Details
- Dar Credit and Capital
- Business Tower, 206, AJC Bose Road, 6th Floor, Unit No. 6B, Kolkata-700017
- +91 9883847875
- co.secretary@darcredit.com
- https://www.darcredit.com/
Registrar Details
- Kfin Technologies Limited
- 04067162222, 04079611000
- dccl.ipo@kfintech.com
- https://kosmic.kfintech.com/ipostatus/
Frequently Asked Questions
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Dar Credit and Capital SME IPO News & Updates
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Dar Credit and Capital SME IPO IPO Pages
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Dar Credit and Capital SME IPO Details
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Dar Credit and Capital SME IPO GMP
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Dar Credit and Capital SME IPO Subscription
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Dar Credit and Capital SME IPO Allotment
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Dar Credit and Capital SME IPO Review
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Dar Credit and Capital SME IPO Timeline
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Dar Credit and Capital SME IPO News
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Sources
We match Dar Credit and Capital SME IPO IPO numbers with official sources. For final dates and allotment results, double-check the registrar or exchange.
- SEBIRules for IPO allotment and disclosures in India
- NSEExchange notices, bidding data, and listing updates
- BSEExchange notices and IPO allotment check tools
- RHP / Offer DocumentCheck the company RHP on NSE/BSE or the IPO detail page
- Kfin Technologies LimitedOfficial site to check allotment status for this IPO
Also read our Editorial Policy, How GMP is calculated, How allotment chances work, and IPO fund allocation.
Reviewed by
Dinesh Agrawal · Lead IPO Analyst
15+ years in Indian markets and IPO research. He reviews IPO dates and key details before they go live.