Dar Credit & Capital Limited — PPTs, 22-05-2026: Investor Presentation

Here's a concise summary of DCCL's investor presentation:

**Business Performance:** DCCL delivered robust performance in Q4 FY26 with PAT up 60.7% to ₹3.07 Cr and full-year PAT soaring 43.8% to ₹10.13 Cr. Revenue grew 23.8% to ₹49.89 Cr for FY26. Its loan portfolio expanded 27% to ₹238.09 Cr, driven by strong demand in personal and MSME lending across key segments.

**Growth Drivers or Strategy:** The company's strategy focuses on digital transformation using AI/ML for credit assessment and expanding its geographical reach into underserved rural and semi-urban markets. It also prioritizes strengthening risk management and underwriting models for sustainable growth.

**Recent Developments:** Significant developments include its listing on NSE Emerge in May 2025, raising ₹25.66 Cr through its IPO, and strategic partnerships with SIDBI and ESAF Small Finance Bank.

**Key Financial Metrics:** Q4 FY26 revenue surged 41.8% YoY to ₹14.49 Cr. The company maintains a strong capital adequacy of 40.08% (against a 15% regulatory requirement) and a low GNPA of 1.01%.

**Management Commentary / Outlook:** Management highlights FY26 as a year of strong momentum, marked by expanding customer relationships and operational efficiency. The outlook focuses on prudent loan portfolio expansion, asset quality improvement, and supporting underserved communities.