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: [-]
Here are the important dates you need to know in order to participate in this IPO
Bidding starts
21st May
Bidding ends
23rd May
Allotment of shares
26th May
Initiation of refund
26th May
Credit of shares to Demat account
27th May
Listing date
28th May
| Pre-Issue | Post-Issue | |
|---|---|---|
| Promoter Group | 98.47% | 68.98% |
| Public Group | 1.53% | 31.02% |
| QIB Shares Offered | 8,12,000 (18.99%) |
| NII (HNI) Shares Offered | 6,10,000 (14.27%) |
| Retail Shares Offered | 14,22,000 (33.26%) |
| Anchor Investor Shares Offered | 12,16,000 (28.44%) |
| Total Shares Offered | 42,76,000 |
| Total Shares With Anchor Investor | 42,76,000 |
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 2,000 | ₹1,20,000 |
| Retail (Max) | 1 | 2,000 | ₹1,20,000 |
| S HNI (Min) | 2 | 4,000 | ₹2,40,000 |
| S HNI (Max) | 8 | 16,000 | ₹9,60,000 |
| B HNI (MIN) | 9 | 18,000 | ₹10,80,000 |
| Bid Date | May 20, 2025 |
| Shares Offered | 0 |
| Anchor Investment Details | 0 |
| KFin Techologies Ltd | |
|---|---|
| Phone Number | +91 40 6716 2222 |
| Email Id | einward.ris@kfintech.com |
| Our Website | www.kfintech.com |
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1. GYR Capital Advisors Pvt Ltd
| 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 |
| Category | No. of shares offered | No. of shares bid | No. of subscribed |
|---|---|---|---|
| Qualified Institutional Buyers (QIBs) | 8,12,000 | 2,54,08,000 | 31.2906 |
| Non Institutional Investors (NIIs) | 6,10,000 | 12,73,68,000 | 208.8 |
| NII(Bid amount of more than Ten Lakh Rupees) | 0 | 0 | 0 |
| NII(Bid amount of more than 2 Lakh < 10 Rupees) | 6,10,000 | 0 | 0 |
| Retail Individual Investors (RIIs) | 14,22,000 | 14,91,50,000 | 104.8875 |
| Total | 30,60,000 | 30,19,26,000 | 98.6686 |
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.
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 ₹57 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.
The Dar Credit & Capital Ltd IPO opens on May 21, 2025 and closes on May 23, 2025.
Dar Credit & Capital Ltd lot size is 2000 shares, and the minimum amount required is ₹1,20,000.
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.
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.
The Dar Credit & Capital Ltd listing date is May 28, 2025.
The registrar of Dar Credit & Capital Ltd IPO is KFin Techologies Ltd
GYR Capital Advisors Pvt Ltd will be the book-running lead manager of this IPO.
The fresh issue size is ₹25.66 Crores equity shares.
Retail investors can subscribe to a minimum of one lot, 2000 shares and ₹1,20,000 amount.
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.
The price of each Dar Credit & Capital Ltd share will be ranging in between ₹57 to ₹60 per share.
The cut-off time for the UPI mandate confirmation is 5:00 PM, May 23, 2025.
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