Dar Credit and Capital Limited
Bookbuilding IPO · NSE
- Price band
- ₹57 - ₹60
- Lot size
- 2,000 shares
- Issue amount
- ₹25.66 cr
- Total subscription
- 106.09×
- Opens
- 21 May 2025
- Closes
- 23 May 2025
- Allotment
- 26 May 2025
- Listing
- 28 May 2025
Offer at a glance
Issue overview
- Issue size
- 42,76,000 shares
- Face value
- ₹10 per share
- Minimum investment
- ₹1,14,000
- Fresh issue
- ₹25.66 cr
- Offer for sale
- ₹0 cr
- Registrar
- Kfin Technologies Limited
- Listing exchange
- NSE
- Maximum investment
- ₹1,20,000
- Issue type
- Bookbuilding IPO
- Shares before issue
- 1,00,00,000
- Shares after issue
- 1,42,76,000
Lot sizes
| Category | Lots | Shares | Amount |
|---|---|---|---|
| RETAIL | 1 | 2,000 | ₹1,20,000 |
| HNI | 2 | 4,000 | ₹2,40,000 |
Share reservation
Subscription & GMP
Subscription by category
Missing multiples are calculated from bids and offered shares when available.
GMP history
Application-wise demand
| Category | Reserved applications | Applied applications |
|---|---|---|
| QIB | — | 27 |
| NIB | — | 5,273 |
| RETAIL | — | 74,575 |
Subscription demand
Amounts in ₹ crore. HNI subcategories are included in the NII total.
| Category | Offered | Demand |
|---|---|---|
| QIBs | 4.87 | 152.45 |
| RETAIL | 8.53 | 894.88 |
Financial performance
Company financials
In Crores · Reported periods may include interim results.
Key performance indicators
| Metric | Dec-24 | Mar-24 | Mar-23 |
|---|---|---|---|
| EPS | 4.92 | 3.97 | 2.93 |
| ROE | 7.2 | 6.17 | 4.47 |
| ROCE | 9.7 | 9.22 | 8.78 |
| RONW | 7.06 | 6.08 | 4.74 |
| PRE IPO(PE) | 0 | 15.12 | 0 |
| POST IPO(PE) | 13.06 | 0 | 0 |
Values and labels as reported in the issue data.
Company information
Company profile
Dar Credit and Capital Limited (DCCL), incorporated in 1994, is a registered NBFC focused on providing credit access to underserved and low-income segments. The company offers personal loans for municipal and class-IV workers such as cleaners and peons, along with unsecured and secured MSME loans for small shopkeepers, vendors, and women-led micro-enterprises. As of September 30, 2024, its portfolio mix includes Personal Loans (44.46%), Micro Loans (40.12%), Unsecured SME Loans (2.65%), and Secured MSME Loans (12.76%). DCCL operates through 35 locations across Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand, supported by a team of 223 employees as of November 2024. The company’s mission is to drive financial inclusion and empower grassroots entrepreneurs.
Strengths
- Speed & Flexibility: Quick loan processing and fast disbursement cycles support faster customer turnaround.
- Local Market Expertise: Strong understanding of regional economies and borrower profiles enables better lending decisions.
- Technology-Driven Operations: Use of advanced credit assessment and risk management tools for efficient evaluation and monitoring.
Risk factors
- Interest Rate Risk: Changes in lending/borrowing rates may affect margins and overall financial performance.
- Geographic Risk: Exposure across multiple states makes the portfolio vulnerable to adverse regional factors.
- Customer Segment Risk: Higher-risk borrower segments can increase NPAs, provisions, and write-offs, hurting profitability.
Promoters
Mr. Ramesh Kumar Vijay
Mr. Rajkumar Vijay
Mrs. Rakshita Vijay
Registrar & documents
Lead manager
GYR Capital Advisors Private Limited
Registrar & contacts
Kfin Technologies Limited
[email protected]Official registrar portal ↗IPO allotment status guide →Registered office
Business Tower, 206 AJC Bose Road 6 th Floor, Unit No. 6B,
+91 9883847875
[email protected]Company website ↗Understanding DCCL IPO data
Compare the price band and required investment with the company profile, financial results and offer documents. Subscription figures show reported demand by category; they do not establish the value of the business. GMP is an unofficial indication and can change before listing.