About Dar Credit and Capital Limited IPO
Dar Credit and Capital Limited is a specialized non-banking finance company (NBFC) that has been providing inclusive financial solutions since 1994. The company focuses on serving underserved segments through three primary products: personal loans for municipal employees, unsecured MSME loans for small businesses, and secured MSME loans. With operations across 64 districts in six states, Dar Credit and Capital serves over 24,600 active customers through its network of 27 branches, with a particular emphasis on empowering women entrepreneurs and supporting small-scale vendors and shopkeepers.
The company’s competitive strengths lie in its deep understanding of local markets, quick loan processing capabilities, and technology-driven credit assessment systems. As of December 2024, Dar Credit and Capital maintained a well-diversified loan portfolio, with personal and micro loans comprising 84.58% of its business and MSME loans making up the remaining 15.41%. With 224 employees, the NBFC combines flexible lending practices with robust risk management to serve low-income individuals and small businesses that typically lack access to traditional banking services.
Minimum Investment
| Minimum Investment (Retail) | Lots (min) | Shares (QTY) |
| ₹1,20,000 | 1 | 2000 |
Dar Credit and Capital Limited IPO Details
| IPO Date | May 21, 2025 to May 23, 2025 |
| Listing Date | Wed, May 28, 2025 |
| Face Value | ₹10 per share |
| Issue Price Band | ₹57 to ₹60 per share |
| Lot Size | 2,000 Shares |
| Total Issue Size | 42,76,000 shares (Aggregating up to ₹25.66 Cr) |
| Fresh Issue | 42,76,000 shares (Aggregating up to ₹25.66 Cr) |
| Issue Type | Bookbuilding IPO |
| Listing At | NSE SME |
| Share Holding Pre Issue | 1,00,00,000 shares |
| Share Holding Post Issue | 1,42,76,000 shares |
| Market Maker Portion | 2,16,000 shares ( SMC Global Securities Ltd.) |
| IPO Open Date | Wed, May 21, 2025 |
| IPO Close Date | Fri, May 23, 2025 |
| Tentative Allotment | Mon, May 26, 2025 |
| Initiation of Refunds | Tue, May 27, 2025 |
| Credit of Shares to Demat | Tue, May 27, 2025 |
| Tentative Listing Date | Wed, May 28, 2025 |
| Cut-off time for UPI mandate confirmation | 5 PM on May 23, 2025 |
Dar Credit and Capital Limited IPO Prospectus
Dar Credit and Capital Limited Financial Snapshot (in Crore)
| Period Ended | 31 Dec 2024 | 31 Mar 2024 | 31 Mar 2023 |
| Assets | 221.60 | 235.82 | 187.27 |
| Revenue | 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 |
Dar Credit and Capital Limited Promoters Holding
Mr. Ramesh Kumar Vijay, Mr. Rajkumar Vijay and Mrs. Rakshita Vijay
Dar Credit and Capital Limited IPO Registrar
Kfin Technologies Limited
Phone: 04067162222, 04079611000
Email: dccl.ipo@kfintech.com
Website: https://kosmic.kfintech.com/ipostatus/
Dar Credit and Capital Limited IPO Lead Manager(s)
GYR Capital Advisors Private Limited
Dar Credit and Capital Limited Contact Details
Dar Credit and Capital Limited
Business Tower, 206
AJC Bose Road
6 th Floor, Unit No. 6B,
Phone: +91 9883847875
Email: co.secretary@darcredit.com
Website: https://www.darcredit.com/no
