What we do Dar Credit & Capital Ltd is an NBFC providing personal, unsecured and secured MSME loans, primarily serving low-income individuals and small business owners in Eastern and Northern India. |
Founded in 1,994 |
Market share First NBFC from Eastern region listed on NSE Emerge; strong presence in MSME lending with growing geographic outreach. |
Problem solved Bridges credit gap for underbanked segments like class-four workers, small traders, and women entrepreneurs lacking formal banking access. |
Top clients or who we serve Low-income individuals in Class D employment, MSMEs including shopkeepers, traders, agriculturists; B2C focused. |
Key management - |
Our journey and innovations Incorporated in 1994, RBI-registered NBFC since 2007, merged DAR and ABAN holdings, listed on BSE in 2021 and NSE Emerge in 2025. |
Where we operate Branch presence across West Bengal, Rajasthan, Bihar, Jharkhand; camp offices in Madhya Pradesh and Gujarat. |
Top products or what we offer Personal loans, unsecured MSME loans, secured MSME loans including Loan against Property (LAP). |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenues largely recurring from interest income on loans with growth driven by expanding loan book. |
Our industry position Established NBFC niche player in MSME and personal loans, backed by prudent risk management and strong regional presence. |
Financial highlights FY 2024-25 revenue Rs 41.39 Cr (26% growth), PAT Rs 7.04 Cr (91% growth), net worth Rs 73.51 Cr. |
Geographical revenue split - |
Order book - |
Whats driving growth Expansion into secured MSME lending, new branches, improving loan portfolio quality, and strong banking support. |
Our future plans Scaling secured MSME loans, expanding branch network, sustaining technology adoption in loan management. |
Our green promise - |
Our people and values Committed to corporate governance, transparency, supportive culture, and empowering underserved communities. |
Key challenges ahead Rising credit risk in MSME segment, intense fintech and banking competition, regulatory compliance, and funding constraints. |
Interesting facts First Eastern Indian NBFC listed on NSE SME platform; IPO oversubscribed 106 times in 2025. |
Risks and strategy Focus on robust operational risk controls, diversified funding, and technology-enabled underwriting to mitigate credit and regulatory risks. |
