Dar Credit & Capital
DCCL NSE
Dar Credit & Capital
Financial ServicesNSE: DCCL Finance
Key Fundamentals
SMEFinanceFinancial ServicesMarket Cap
₹58.60 Cr
Volatility
Moderate
P/E Ratio
5.71
EBITDA
₹34.70 Cr
Return on Equity
9.75%
Debt to Equity
1.85
Book Value
₹74.18
52W High
₹59.8
52W Low
₹33
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.55 times its book value
- Company has delivered good profit growth of 25.0% CAGR over last 5 years
Weaknesses
2- Company has low interest coverage ratio.
- Company has a low return on equity of 9.13% over last 3 years.
Growth Rate
Revenue Growth
21.01% lower than
3Y
Net Income Growth
44.29% lower than
3Y
Cash Flow Change
-208% lower than
3Y
ROE
1.77% lower than
3Y
ROCE
-25.81% lower than
3Y
EBITDA Margin (Avg.)
-1.95% lower than
3Y
Quarterly Results
| Particulars | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.72 | 10.32 | 10.04 | 10.22 | 10.98 | 11.9 | 12.56 | 14.49 | 13.28 |
| Expenses | 2.93 | 3.34 | 3.04 | 2.84 | 3.36 | 4.02 | 3.72 | 4.29 | 5.11 |
| Financing Profit | 1.72 | 2.24 | 2.18 | 2.48 | 2.69 | 2.92 | 3.51 | 4.47 | 2.41 |
| Fin. Margin % | 17.7% | 21.71% | 21.71% | 24.27% | 24.5% | 24.54% | 27.95% | 30.85% | 18.15% |
| Other Income | 0.49 | 0.12 | 0.36 | 0.12 | 0.02 | 0.14 | 0.05 | 0.07 | 0.09 |
| Interest | 5.07 | 4.74 | 4.82 | 4.9 | 4.93 | 4.96 | 5.33 | 5.73 | 5.76 |
| Depreciation | 0.16 | 0.17 | 0.17 | 0.17 | 0.2 | 0.18 | 0.2 | 0.2 | 0.2 |
| PBT | 2.05 | 2.19 | 2.37 | 2.43 | 2.51 | 2.88 | 3.36 | 4.34 | 2.3 |
| Tax % | 20.98% | 23.29% | 24.47% | 21.4% | 18.73% | 13.19% | 24.7% | 26.5% | 10.87% |
| Net Profit | 1.63 | 1.69 | 1.8 | 1.91 | 2.04 | 2.5 | 2.52 | 3.19 | 2.05 |
| EPS in Rs | 1.63 | 1.69 | 1.8 | 1.91 | 1.43 | 1.75 | 1.77 | 2.23 | 1.44 |
Profit & Loss
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 28 | 25 | 25 | 33 | 41 | 50 | 52 |
| Expenses | 8 | 9 | 9 | 11 | 12 | 15 | 17 |
| Financing Profit | 5 | 4 | 4 | 5 | 9 | 14 | 13 |
| Fin. Margin % | 17% | 16% | 16% | 16% | 23% | 27% | 25% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 15 | 12 | 12 | 16 | 20 | 21 | 22 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| PBT | 4 | 4 | 4 | 5 | 9 | 13 | 13 |
| Tax % | 18% | 28% | 25% | 24% | 22% | 22% | — |
| Net Profit | 3 | 3 | 3 | 4 | 7 | 10 | 10 |
| EPS in Rs | 3.42 | 2.56 | 2.72 | 3.69 | 7.04 | 7.1 | 7.19 |
| Div. Payout % | 15% | 20% | 18% | 14% | 7% | 14% | — |
Balance Sheet
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 14 |
| Reserves | 51 | 52 | 54 | 57 | 64 | 90 |
| Borrowing | 119 | 107 | 122 | 167 | 144 | 184 |
| Other Liabilities | 2 | 2 | 3 | 3 | 5 | 6 |
| Total Liabilities | 182 | 170 | 189 | 237 | 223 | 294 |
| Fixed Assets | 0 | 9 | 9 | 8 | 7 | 7 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 17 | 6 | 7 | 0 | 0 |
| Other Assets | 173 | 145 | 174 | 222 | 215 | 287 |
| Total Assets | 182 | 170 | 189 | 237 | 223 | 294 |
Cash Flow
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | 106 | 11 | -5 | -21 | 27 | -29 |
| Investing | -1 | -11 | 14 | 4 | 4 | -8 |
| Financing | -101 | 0 | 0 | 28 | -42 | 39 |
| Net Cash Flow | 5 | -1 | 9 | 11 | -11 | 3 |
| Free Cash Flow | 106 | 10 | -5 | -21 | 27 | -30 |
| CFO/OP | 532 | 78 | -25 | -91 | 99 | -75 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 5% | 4% | 4% | 6% | 9% | 11% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Dar Credit & Capital insights
45 extracted metrics + investor summaries across FY21–FY26.
Documents
1
Committee Meeting Updates
10 Sep - FMC allotted NCDs worth 25 crore and approved up to 15 crore more on 10 September 2026. 10 Sep - FMC allotted NCDs worth 25 crore and approved up to 15 crore more on 10 September 2026.
2
Copy of Newspaper Publication
26 Aug - Company filed newspaper advertisement published in Business Standard on August 26, 2026. 26 Aug - Company filed newspaper advertisement published in Business Standard on August 26, 2026.
3
Credit Rating
19 Aug - Dar Credit & Capital Limited has informed about Credit Rating 19 Aug - Dar Credit & Capital Limited has informed about Credit Rating
4
Credit Rating- New
14 Aug - CARE assigned BBB- Stable rating for proposed ₹50 crore NCD issue on 13 August 2026. 14 Aug - CARE assigned BBB- Stable rating for proposed ₹50 crore NCD issue on 13 August 2026.
5
Credit Rating- Others
13 Aug - CARE withdrew rating on Tulip Growth 12 2023 PTCs after full redemption and payout completion. 13 Aug - CARE withdrew rating on Tulip Growth 12 2023 PTCs after full redemption and payout completion.
Frequently Asked Questions about Dar Credit & Capital
What does Dar Credit & Capital Ltd do?
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]
Where is Dar Credit & Capital Ltd (DCCL) listed?
Dar Credit & Capital Ltd trades as DCCL on the NSE.
Which sector does Dar Credit & Capital Ltd belong to?
Dar Credit & Capital Ltd is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of Dar Credit & Capital Ltd?
Dar Credit & Capital Ltd has a market capitalisation of ₹58.6 Cr, which places it in the Small Cap band.
What is the PE ratio of Dar Credit & Capital Ltd?
Dar Credit & Capital Ltd trades at a PE ratio of 5.71, against a book value of ₹74.18 per share.
What is the 52-week high and low of Dar Credit & Capital Ltd?
Over the last 52 weeks Dar Credit & Capital Ltd has traded between ₹33 and ₹59.8.
Does Dar Credit & Capital Ltd pay dividends?
Dar Credit & Capital Ltd has a dividend yield of 2.44%.
What is the Return on Equity (ROE) of Dar Credit & Capital Ltd?
Dar Credit & Capital Ltd reported a return on equity of 9.75%. Its debt-to-equity ratio is 1.85.
Company Information
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]
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