Dar Credit & Capital Limited — Investor Meet, 17-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Dar Credit & Capital reported robust H1 FY'26 results: Total Income ₹23.01 Cr (+11.4% YoY) and PAT ₹4.52 Cr (+36.3% YoY), with margins reaching 19.66%. Q2 performance was also strong. An interim dividend of 5% was declared.

Current AUM stands at ₹178 Cr, with management targeting ₹250 Cr by FY'26 and ₹18-20 Cr net profit for FY'27. Gross NPA is a low 1.29%. Growth stems from unique personal loans to municipal employees, known for near-zero bad debt. Digital onboarding enhances efficiency, complemented by physical sourcing in semi-urban markets. Strong liquidity and plans for additional bond market tapping (₹25-30 Cr NCDs) support expansion. The company shows confidence in its strategy and operational focus.