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15 Days Price Change

DAR Credit & Capital IPO

Closing In

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WEBSITE Inc. Year: 1994 Industry: Finance - NBFC Listed Page

Profile
Issue Size --
Profile
Price Range 57  to  60 per share
Profile
Min Investment ₹60
Profile
Lot Size 1
Profile
Face Value ₹10
Profile
Draft Prospectus
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

Dar Credit & Capital Limited (DCCL) is a Kolkata-based Non-Banking Financial Company (NBFC) established in 1994 under the Companies Act, 1956. Registered with the Reserve Bank of India as a non-deposit-taking NBFC, DCCL specializes in providing unsecured loans to individuals and small enterprises, particularly targeting low-income groups and underserved communities. The company offers a range of financial products, including personal loans, unsecured and secured MSME loans, with a focus on empowering women entrepreneurs and supporting class-four municipal employees such as cleaners and sweepers . DCCL operates through its head office in Kolkata and a regional office in Jaipur, with a presence across 35 locations in states like Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Karnataka, Chhattisgarh, Bihar, and Jharkhand . Read More

Basic Info

Face Value 10 per share

Price 57  to  60 per share

P/E (x) 8.6

Sales( Cr.) 40

PAT( Cr.) 7

EPS 7

Draft Prospectus

Exchange NSE-SME

Promoter

Company Promoters

Mr. Ramesh Kumar Vijay Mr. Rajkumar Vijay Mrs. Rakshita Vijay. Signet Industries Ltd Monika Sangla Shubhangi Trust Shreya Trust Swan Irrigation Llp

Pre Issue Share Holding 100%

Post Issue Share Holding --%

Listing Details:

Listing Price: 65.15

Listing Gain: 7.9%

Current Price: 41

Gain On Issue: 41 | 0%

GMP: --

GMP %: -- %

IPO Tentative Timetable

Opening Date May 21, 2025
Closing Date May 23, 2025
Allotment May 26, 2025
Refund May 27, 2025
Delivery of Shares May 27, 2025
Listing Date May 28, 2025

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 2000 120,000
Retail (Max) 1 2000 120,000
S-HNI (Min) 2 4000 240,000
S-HNI (Max) 8 16000 960,000
B-HNI (Min) 9 18000 1,080,000

Objective of the Issue

1. Augment the capital base of the Company. 2. General Corporate Purposes. 3. Issue Expenses.

Issue

Category Nos Bid Bid (x)
QIB 2138000 66898020 31.3x
NII 641400 133699830 208.5x
Retail 1496600 156963408 104.9x
EMP 0 0 0x
Total 4276000 453640840 106.1x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

DAR Credit & Capital Profit & Loss

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 24 25 32 40
Other Income 0 1 1 1
Total Income 24 26 33 41
Total Expenditure 9 9 10 12
Operating Profit 16 16 23 30
Interest 12 12 17 20
Depreciation 1 1 1 1
Exceptional Income / Expenses 0 0 0 0
Profit Before Tax 3 4 5 9
Provision for Tax 1 1 1 2
Profit After Tax 2 3 4 7
Adjustments 0 0 0 0
Profit After Adjustments 2 3 4 7
Adjusted Earnings Per Share 2.2 2.7 3.7 7

DAR Credit & Capital Balance Sheet

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 60 62 67 74
Minority's Interest 0 0 0 0
Borrowings 48 72 63 46
Other Non-Current Liabilities 1 2 -0 -0
Total Current Liabilities 60 51 107 102
Total Liabilities 169 187 237 222
Fixed Assets 9 9 8 7
Other Non-Current Assets 132 136 76 85
Total Current Assets 29 42 153 129
Total Assets 169 187 237 222

DAR Credit & Capital Cash Flow

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 15 14 23 34
Cash Flow from Operating Activities 32 -4 -21 27
Cash Flow from Investing Activities -8 11 4 4
Cash Flow from Financing Activities -25 2 28 -42
Net Cash Inflow / Outflow -1 9 11 -11
Closing Cash & Cash Equivalent 14 23 34 22

DAR Credit & Capital Ratios

# Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 2.23 2.72 3.69 7.04
CEPS(Rs) 2.78 3.32 4.29 7.72
DPS(Rs) 0.5 0.5 0.5 0.5
Book NAV/Share(Rs) 59.93 62.15 66.97 73.52
Core EBITDA Margin(%) 64.06 63.42 68.03 70.76
EBIT Margin(%) 62.59 64.15 68.14 71.79
Pre Tax Margin(%) 12.5 14.82 15.15 22.46
PAT Margin (%) 9.22 10.98 11.45 17.48
Cash Profit Margin (%) 11.49 13.38 13.32 19.15
ROA(%) 1.32 1.53 1.74 3.07
ROE(%) 3.73 4.46 5.72 10.03
ROCE(%) 9.13 9.12 10.55 12.81
Receivable days 0 0 0 0
Inventory Days 0 0 0 0
Payable days 0 0 0 0
PER(x) 0 0 0 0
Price/Book(x) 0 0 0 0
Dividend Yield(%) 0 0 0 0
EV/Net Sales(x) 4.14 3.89 4.23 3.11
EV/Core EBITDA(x) 6.39 5.85 6.04 4.23
Net Sales Growth(%) 0 2.34 29.98 25.07
EBIT Growth(%) 0 4.88 38.06 31.78
PAT Growth(%) 0 21.88 35.56 90.92
EPS Growth(%) 0 21.88 35.56 90.92
Debt/Equity(x) 1.77 1.94 2.49 1.97
Current Ratio(x) 0.47 0.82 1.43 1.26
Quick Ratio(x) 0.47 0.82 1.43 1.26
Interest Cover(x) 1.25 1.3 1.29 1.46
Total Debt/Mcap(x) 0 0 0 0

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 25% 19% 0% 0%
Operating Profit CAGR 30% 23% 0% 0%
PAT CAGR 75% 52% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 10% 7% 6% 6%
ROCE Average 13% 11% 10% 10%

Company Contact Information

DAR Credit & Capital Ltd.

Business Tower, 206 A J C Bose Road 6th Floor, Unit No. 6 B

IPO Lead Manager(s)

DAR Credit & Capital Ltd.

GYR Capital Advisors Pvt Ltd.

Registrar Info

DAR Credit & Capital Ltd.

Bigshare Services Pvt Ltd

G 10 Left Wing Amruta Village , Opp: Yashoda Hospital,Raj Bhavan Road,Somajiguda,Hyderabad

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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