Dar Credit and Capital Limited
IPO Details
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Lot Distribution
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Company Fin.
₹10(16.67%)
Premium (ELP)
Dar Credit and Capital Limited's has transitioned to a publicly listed entity following its IPO debut on May 28, 2025 at the NSE exchange. The public offering successfully raised 42,76,000 Shares, consisting of 42,76,000 Sharesin new capital.
The IPO featured a competitive price range of ₹57 to ₹60 and minimum application size of 2000 shares. Market reception was evidenced through subscription activity between May 21, 2025 and May 23, 2025, reflecting investor appetite for the offering.
Allotment of shares was completed on May 26, 2025, distributing equity to successful applicants. The listing marked the beginning of the company's journey as a publicly traded corporation, subject to market dynamics and regulatory oversight.
Investors can bid starting from the minimum lot size specified for this IPO, and only in multiples of that lot size. The table below shows the minimum and maximum investment for retail investors and HNIs in terms of lots, quantity, and amount.
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.
Note : "Calculations for ‘Shares Offered’ and ‘Total Amount’ are based on the highest price in the issue price band."
- 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.
- 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.
- Mr. Ramesh Kumar Vijay
- Mr. Rajkumar Vijay
- Mrs. Rakshita Vijay
Dar Credit and Capital Limited
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