Dar Credit & Capital Ltd (DCCL) — shareholding pattern, promoter holding, financials and share price
About Dar Credit & Capital Ltd (DCCL)
Dar Credit & Capital Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as DCCL and on the BSE under scrip code 87709. Its ISIN is INE04Q901010.
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services. [1]
Dar Credit & Capital Limited is an RBI‑registered non‑deposit taking NBFC focused on retail and MSME lending, specialising in personal loans to municipal employees, unsecured MSME loans and secured MSME (micro LAP) products across six states via 35 branches and camp offices; the company is listed on NSE Emerge and carries a CARE BBB‑ (Stable) rating.
DCCL reported strong Q3 FY26 and 9M FY26 profitability with Q3 total income of ₹12.61 crore and Q3 PAT of ₹2.52 crore, nine‑month PAT of ₹7.04 crore, a low GNPA of ~1.5% and high capital adequacy of 43.84%, signalling conservative provisioning and large capital headroom to support growth without immediate equity raises.
Listed peers in Non Banking Financial Company (NBFC): TruCap Finance Ltd, Transwarranty Finance Ltd, Odyssey Corporation Ltd, Apex Capital and Finance Ltd, Mega Corporation Ltd, Capfin India Ltd.
Valuation & Returns
10 Jul 2026At ₹44.25 a share on 10 Jul 2026, Dar Credit & Capital Ltd (DCCL) was valued at a price-to-earnings ratio of 6.24x against an industry P/E of 19.5x and a price-to-book of 0.86x on a book value of ₹51.5 per share as of Mar 2025. Solomo computes return on equity of 13.78% and return on capital employed of 11.76% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 6.24x
- Industry P/E
- 19.5x
- P/B
- 0.86x
- EPS (TTM)
- ₹7.1
- Book value / share
- ₹51.5
- ROE
- 13.78%
- ROCE
- 11.76%
- ROA
- 4.55%
- Debt / equity
- 1.97x
- Dividend yield
- 2.26%
- EBITDA margin
- 69.55%
- 52-week range
- ₹33 – ₹65
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Dar Credit & Capital Ltd (DCCL) reported revenue of ₹50 crore, net profit of ₹10 crore and earnings per share of ₹7.1. That compares with revenue of ₹41 crore and net profit of ₹7 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹14.49 crore and net profit ₹3.07 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 25 | 25 | 33 | 41 | 50 |
| Net profit (₹ cr) | 3 | 3 | 4 | 7 | 10 |
| EPS (₹) | 2.56 | 2.72 | 3.69 | 7.04 | 7.1 |
| Measure | 3Y | 1Y |
|---|---|---|
| Sales growth | 18.49% | 21.85% |
| Profit growth | 40.17% | 43.89% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 69.14% of Dar Credit & Capital Ltd (DCCL) (unchanged from the previous quarter). Market capitalisation was ₹63 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Sep 2025.
Largest disclosed public shareholders in Jun 2026: SMC GLOBAL SECURITIES LIMITED 3.84%, NINE ALPS TRUST-NINE ALPS OPPORTUNITY FUND 2.61%, SWYOM INDIA ALPHA FUND 2.48%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 69.14% | - | - | - | - |
| Mar 2026 | 69.14% | - | - | - | - |
| Dec 2025 | 69.14% | - | - | - | - |
| Sep 2025 | 69.14% | - | - | - | - |