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| IPO Listing At | NSE SME |
| SME IPO Issue Type | Book Build Issue |
| Total Issue Size | ₹25.66 Cr |
| Reserved for Market Maker | ₹0.00 Cr |
| Net Issue Size | ₹25.66 Cr |
| Fresh Issue | ₹24.36 Cr |
| Face Value | ₹10 Per Equity Share |
| Price Band | ₹57.00-60.00 per share |
| Discount | Retail: 0.00 |
| NSE Code | DCCL |
| Registrar | Kfin Technologies Ltd. |
| Lead Managers | GYR Capital Advisors Pvt.Ltd. |
Disclaimer: GMP is sourced from grey market dealers and is indicative only. Always conduct your own due diligence.
* Allotment, Refund, Demat Credit & Listing dates are tentative and subject to change.
Minimum bid: 2,000 shares and in multiples thereof
Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering three primary types of financial products: (i) Personal Loans, (ii) Unsecured MSME Loans, and (iii) 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 December 31, the company had 24,608 Active Customers, who are served by our 27 branches and Camps across 64 districts in 6 states in India.
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.
Services:
As of December 31, 2024, the company had 224 employees.
Competitive Strength:
The Company proposes to utilise the Net Proceeds from the Issue towards the following objects:
| # | Issue Objects | Est Amt (₹ Cr.) |
|---|---|---|
| 1 | Augment the capital base of the Company | 22.00 |
| 2 | General Corporate Purposes | 1.06 |
| 3 | Issue Expenses | 2.60 |
| Total | 25.66 |
| Period Ended | 31 Dec 2024 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|
| Assets | 221.60 | 235.82 | 187.27 |
| Total Income | 31.03 | 33.01 | 25.57 |
| Profit After Tax | 4.92 | 3.97 | 2.93 |
| NET Worth | 69.67 | 65.25 | 61.78 |
| Reserves and Surplus | 60.52 | 56.10 | 52.63 |
| Total Borrowing | 145.89 | 165.58 | 120.45 |
| Amount in ₹ Crore | |||
| KPI | Mar 31, 2024 |
|---|---|
| ROE | 6.17% |
| ROCE | 9.22% |
| Debt / Equity | 2.51% |
| RoNW | 6.08% |
| PAT Margin | 12.38% |
| EBITDA Margin | 66.40% |
| Price to Book Value | 0.92 |
| Metric | Pre IPO | Post IPO |
|---|---|---|
| EPS (₹) | 3.97 | 4.59 |
| P/E (x) | 15.12 | 13.06 |
| Promoter Holding | 98.47% | 68.98% |
| Market Cap | ₹85.66 Cr. | |
