Dar Credit & Capital Limited — PPTs, 16-02-2026: Investor Presentation

Dar Credit & Capital (DCCL), a 31-year-old NBFC, delivered strong performance. For Q3 FY26, revenues grew 25.1% YoY to ₹12.56 Cr, and Profit After Tax (PAT) jumped 40.4% to ₹2.52 Cr. For 9M FY26, revenues hit ₹35.41 Cr (up 17.7% YoY) and PAT was ₹7.04 Cr (up 37.7% YoY). Its loan portfolio reached ₹213.04 Cr as of Dec 2025, maintaining a healthy GNPA of 1.54% and a high Capital Adequacy Ratio of 43.84%. DCCL focuses on credit for low-income individuals, municipal employees, and small MSMEs, including women entrepreneurs, across 6 states.

Key strategies include digital transformation with AI/ML-driven credit assessment, expanding geographical footprint into rural/semi-urban markets via a hybrid model, and strengthening risk underwriting with data-driven decision-making. Recent developments include its NSE Emerge listing in May 2025 and partnerships with SIDBI and ESAF Small Finance Bank. The company aims for financial inclusion by leveraging technology for efficient loan processing and robust risk management, while maintaining strong corporate governance and a dividend track record.