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Dar Credit & Capital Ltd

Finance

Offer Period :

21st to 23rd May 2025

Dar Credit & Capital Ltd IPO Details

IPO Date 21st to 23rd May 2025 Minimum Investment ₹120000 / 2 Lots
Listing Date 2025-05-28 Maximum Investment ₹120000 / 1 Lots
Face Value ₹10 per share Total Issue Size ₹25.66 Crores
Price ₹60 to ₹60 per share Fresh Issue ₹25.66 Crores
Lot Size 1 Lots (2000 Shares) Offer For Sale ₹ [-]
Listing At NSE-SME Retail Discount ₹ 0
Employee Discount ₹0 per Share Shareholding Pre Issue 10000000 Shares
Issue Type Book Building - SME Shareholding Post Issue 14276000 Shares
IPO Date 21st to 23rd May 2025
Listing Date 2025-05-28
Face Value ₹10 per share
Price ₹60 to ₹60 per share
Lot Size 1 Lots (2000 Shares)
Listing At NSE-SME
Total Issue Size ₹25.66 Crores
Employee Discount ₹0 per share
Issue Type Book Building - SME
Minimum Investment ₹120000 / 2 Lots
Maximum Investment ₹120000 / 1 Lots
Fresh Issue ₹25.66 Crores
Offer For Sale ₹[-] Crores
Retail Discount ₹0 Crores
Shareholding Pre Issue 10000000 Shares
Shareholding Post Issue 14276000 Shares

About Dar Credit & Capital Ltd IPO

Incorporated in 1994, Dar Credit and Capital Limited (DCCL) is a Non-Banking Finance Company (NBFC) that provides a range of credit solutions tailored for low-income individuals and small-scale entrepreneurs. The company primarily offers three financial products — Personal Loans, Unsecured MSME Loans, and Secured MSME Loans. DCCL has developed a niche by serving underserved segments such as class-four employees like sweepers and peons in municipal services. Additionally, the company supports small shopkeepers, traders, vendors, and those involved in agriculture and allied sectors, with a dedicated emphasis on empowering women entrepreneurs. As of December 31, the company had 24,608 active customers across 64 districts in six Indian states.
 

DCCL’s operational footprint includes 27 branches and several camp offices, with its head office in Kolkata and a regional hub in Jaipur. The company's loan portfolio reflects moderate diversification, with 44.46% of its loans being personal loans, 40.12% micro loans, 2.65% unsecured SME loans, and 12.76% secured MSME loans. This balanced structure underscores DCCL’s strategic approach towards financial inclusion. The upcoming IPO aims to support its expansion plans and strengthen its capital base, enabling it to scale operations and deepen its impact in rural and semi-urban areas where formal credit access remains limited.

Founding Year: 1994

Managing Director: [-]

Dar Credit And Capital Limited Timeline

Important dates for allocation and IPO listing.

21st May

IPO Opens

23rd May

IPO Close

26th May

Allotment Date

26th May

Initiation of Refund

27th May

Credit of Shares to Demat Account

28th May

IPO Listing Date

Shareholder Pattern

  Pre-Issue Post-Issue
Promoter Group 98.47 68.98
Public Group 1.53 31.02

Dar Credit & Capital Ltd IPO Reservation

QIB Shares Offered 812000(18.99%)
NII (HNI) Shares Offered 610000(14.27%)
Retail Shares Offered 1422000(33.26%)
Anchor Investor Shares Offered 1216000(28.44%)
Total Shares Offered 4276000
Total Shares With Anchor Investor 4276000

Dar Credit & Capital Ltd IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 2000 ₹120000
Retail (Max) 1 2000 ₹120000
S HNI (Min) 2 4000 ₹240000
S HNI (Max) 8 16000 ₹960000
B HNI (MIN) 9 18000 ₹1080000

Dar Credit & Capital Ltd IPO Anchor Investor Details

Bid Date 20 May 2025
Shares Offered 0
Anchor Portion Size 0

Dar Credit & Capital Ltd IPO Registrar

KFin Techologies Ltd
Phone Number +91 40 6716 2222
Email Id einward.ris@kfintech.com
Our Website www.kfintech.com

Dar Credit & Capital Ltd IPO Lead Manager

1. GYR Capital Advisors Pvt Ltd

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Dar Credit & Capital Ltd Financial Information

Period Ended March 31, 2025 March 31, 2024 March 31, 2023
Net Worth ₹73.52 ₹66.97 ₹63.73
Reserves and Surplus ₹63.52 ₹56.97 ₹53.73
Total Borrowing ₹144.5 ₹166.79 ₹121.83

Dar Credit & Capital Ltd IPO Subscription LIVE Status

Category No. of shares offered No. of shares bid No. of subscribed
Qualified Institutional Buyers (QIBs) 812000 25408000 31.2906
Non Institutional Investors (NIIs) 610000 127368000 208.8
NII(Bid amount of more than Ten Lakh Rupees) 0 0 0
NII(Bid amount of more than 2 Lakh < 10 Rupees) 610000 0 0
Retail Individual Investors (RIIs) 1422000 149150000 104.8875
Total 3060000 301926000 98.6686

Strength of Dar Credit & Capital Ltd

1. Experienced Promoters and Management Team.

2. Efficient operational team.

3. Consistent financial performance.

Risks Involved

1. Its business is vulnerable to interest rate risk, and volatility in interest rates could have an adverse effect on its net interest income and net interest margin, thereby affecting its results of operations.

2. Its gross loan portfolio is derived from loans originating from various state, and any adverse developments in these regions may have an adverse effect on its business, results of operations, financial condition and cash flows.

3. The NBFC industry in India faces certain risks due to the category of customers that it services, which are not generally associated with other forms of lending. As a result, we may experience increased levels of nonperforming assets and related provisions and write-offs that may adversely affect its business, financial condition and results of operations.

4. The company depends on the accuracy and completeness of information provided by its borrowers. Any misleading information provided to it by the company borrowers may affect its judgement of their credit worthiness, which could have an adverse effect on its business, cash flows, results of operations, financial condition.

5. Rating given by Care Ratings "CARE BBB-" is considered to have moderate degree of safety, therefore, in future it may give Challenges to the business.

6. The proper functioning of its online platform and technology infrastructure is essential to its business. Any disruption to its IT systems and infrastructure could materially affect its ability to maintain the satisfactory performance of its platform and deliver consistent services to its users.

7. Its top two states contribute the company's major revenue for the period ended December 31, 2024 and year ended 31st March 2024, 2023, 2022. Any loss of business from one or more of these states may adversely affect its revenues and profitability.

8. If the company is unable to manage its growth effectively, its business and reputation could be adversely affected. Furthermore, its may not be able to sustain the growth rates the company has had in the past.

9. Its non-convertible debentures are listed on the BSE and the company is subject to rules and regulations with respect to such listed non-convertible debentures. If the company fails to comply with such rules and regulations, its may be subject to certain penal actions, which may have an adverse effect on its business, results of operations, financial condition and cash flows.

10. Its credit monitoring and risk management policies may not be adequate to control its Non- Performing Assets which could adversely affect its financial conditions and results of operations.

Why should you invest in

-

Dar Credit & Capital Ltd Financials

Particulars For the financial year ending (in ₹ million)
 
Total Assets
Total Liabilities
Total Expenses
Total Revenue 
Profit After Tax
EBITDA
Adjusted EBITDA

Dar Credit And Capital Limited IPO Contact Details

Dar Credit & Capital Ltd IPO Listing Details

Listing Date BSE Script Code NSE Symbol ISIN Final Issue Price
2025-05-28 87709 DCCL
INE04Q901010
₹60 per share

Listing Day Trading Information

Price Details BSE NSE
Final Issue Price ₹60 ₹60
Open ₹0 ₹65.15
Low ₹0 ₹61.9
High ₹0 ₹66
Low ₹0 ₹61.9

Industry Outlook of Dar Credit & Capital IPO

  • India’s financial sector is broad and rapidly growing, driven by the expansion of existing institutions and the emergence of new players.

  • It includes various entities such as commercial banks, insurance firms, non-banking financial companies (NBFCs), co-operatives, pension funds, mutual funds, and smaller financial institutions.

  • Recent regulatory changes have introduced new categories like payment banks, further diversifying the sector.

  • Despite this variety, the Indian financial sector remains largely bank-driven, with commercial banks holding over 64% of the financial system’s total assets.

  • The Government of India has implemented numerous reforms to liberalise and regulate the financial sector, aiming to strengthen and modernise it.

  • Both the government and the Reserve Bank of India (RBI) have launched initiatives to improve financial access for Micro, Small, and Medium Enterprises (MSMEs).

  • One key initiative is the Credit Guarantee Fund Scheme, designed to support MSMEs in obtaining easier and more secure credit


Interested in more opportunities? Check out our Upcoming IPO section for new listings and don’t forget to check your IPO allotment status for Dar Credit & Capital IPO.

Frequently Asked Questions

What is Dar Credit & Capital Ltd IPO?

Answer Field

Dar Credit & Capital Ltd IPO is a SME IPO of 42,76,000 equity shares of a face value of ₹10 aggregating up to ₹25.66 Crores. The issue is priced at ₹60 to ₹60 per share. The minimum order quantity is 2000 Shares. The IPO opens on May 21, 2025, and closes on May 23, 2025. KFin Techologies Ltd is the registrar for the IPO. The shares are proposed to be listed on NSE-SME.

When Dar Credit & Capital Ltd IPO will open?

Answer Field

The Dar Credit & Capital Ltd IPO opens on May 21, 2025 and closes on May 23, 2025.

What is the lot size of Dar Credit & Capital Ltd?

Answer Field

Dar Credit & Capital Ltd lot size is 2000 shares, and the minimum amount required is ₹1,20,000.

How to apply for Dar Credit & Capital Ltd IPO?

Answer Field

You can apply in Dar Credit & Capital Ltd IPO online using either UPI or ASBA as payment method. ASBA IPO application is available in the net banking of your bank account. UPI IPO application is offered by brokers who don't offer banking services. To apply for an IPO:

• Login to Bajaj Broking account App/Website & click on IPO

• Enter the number of lots and price at which you wish to apply.

• Enter your UPI ID and click on submit. With this, your bid will be placed with the exchange.

• You will receive a mandate notification to block funds in your UPI app.

• Approve the mandate request on your UPI and funds will be blocked.

When is Dar Credit & Capital Ltd IPO allotment?

Answer Field

The finalization of Basis of Allotment for Dar Credit & Capital Ltd IPO will be done on May 26, 2025, and the allotted shares will be credited to your demat account by May 27, 2025.

When is Dar Credit & Capital Ltd IPO listing date?

Answer Field

The Dar Credit & Capital Ltd listing date is May 28, 2025.

Who is the registrar of Dar Credit & Capital Ltd IPO?

Answer Field

The registrar of Dar Credit & Capital Ltd IPO is KFin Techologies Ltd

Which company is the book-running lead manager of the IPO?

Answer Field

GYR Capital Advisors Pvt Ltd will be the book-running lead manager of this IPO.

What is the fresh issue of Dar Credit & Capital Ltd IPO?

Answer Field

The fresh issue size is ₹25.66 Crores equity shares.

What minimum lot size can retail subscribers subscribe to Dar Credit & Capital Ltd?

Answer Field

Retail investors can subscribe to a minimum of one lot, 2000 shares and ₹1,20,000 amount.

How can I approve the UPI mandate request for Dar Credit & Capital Ltd IPO?

Answer Field

To apply for Dar Credit & Capital Ltd IPO, you need to log in to your demat account to complete the bidding process. Then, approve the payment mandate on your UPI app.

What is the price range of Dar Credit & Capital Ltd?

Answer Field

The price of each Dar Credit & Capital Ltd share will be ranging in between ₹60 to ₹60 per share.

What is the cut-off time for the UPI mandate for Dar Credit & Capital Ltd IPO?

Answer Field

The cut-off time for the UPI mandate confirmation is 5:00 PM, May 23, 2025.

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