---
title: "Dar Credit & Capital Ltd (DCCL) — Share Price, Financials & Analysis"
symbol: "DCCL"
company: "Dar Credit & Capital Ltd"
canonical: "https://tapetide.com/stocks/DCCL"
isin: "INE04Q901010"
nse_symbol: "DCCL"
sector: "Financial Services"
industry: "Finance"
market_cap_cr: 58.6
generated_at: "2026-09-13T19:36:56.353Z"
---

# Dar Credit & Capital Ltd (DCCL)

Canonical page: https://tapetide.com/stocks/DCCL

## Company

- **NSE Symbol:** DCCL
- **ISIN:** INE04Q901010
- **Sector:** Financial Services
- **Industry:** Finance
- **Macro Sector:** Financial Services
- **Stock Type:** EQUITY
- **Listed Since:** 2025-05-28
- **Face Value:** ₹10
- **F&O Eligible:** No
- **Website:** darcredit.com

## About

Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]

## Latest Price

- **Price:** ₹41.05
- **Change:** 0 (0%)
- **Open:** ₹42
- **Day High:** ₹42
- **Day Low:** ₹41
- **Previous Close:** ₹41.05
- **Volume:** 0
- **As Of:** 2026-09-11T10:01:43+00:00

## Key Fundamentals

Observed at 2026-09-11T04:43:59.559878Z.

- **Market Cap:** ₹58.6 Cr
- **Classification:** SME
- **P/E (reported):** 5.7
- **P/E (TTM):** 5.71
- **EPS (TTM):** ₹7.19
- **Book Value:** ₹74.18
- **Price to Book:** 0.55
- **Dividend Yield:** 2.44%
- **ROE:** 9.75%
- **ROCE:** 17.65%
- **Debt to Equity:** 1.85
- **Revenue (yearly):** ₹50.1 Cr
- **Net Income:** ₹10.1 Cr
- **EBITDA:** ₹34.7 Cr
- **52-Week High:** ₹59.8
- **52-Week Low:** ₹33
- **RSI (14):** 34.27

## Tapetide Score

- **Score:** 55 / 100
- **Score date:** 2026-09-04
- **Archetype:** Average Quality, Undemanding Price
- **What it means:** The financials sit mid-range rather than strong, and the multiple is not demanding. Nothing here stands out in either direction, so the read comes down to which single pillar you weight most and whether the next results move it off the middle.
- **Pillar profile:** Quality: Average · Valuation: Cheap · Momentum: Flat
- **Percentile:** 70.1 (of 4473 scored stocks)
- **Confidence:** 94%
- **Data coverage:** 88%

| Pillar | Score | Weight |
| --- | --- | --- |
| financial health | 37.34 | 9% |
| growth | 60.67 | 9% |
| momentum | 57.23 | 12% |
| ownership | 33.77 | 24% |
| quality | 59.05 | 22% |
| valuation | 68.37 | 24% |

The Tapetide Score is decision-support only, not investment advice.

## Key Insights

### Strengths

- 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

- Company has low interest coverage ratio.
- Company has a low return on equity of 9.13% over last 3 years.

## Growth Rates

| Metric | QoQ | 1Y | 3Y | 5Y |
| --- | --- | --- | --- | --- |
| cash flow growth | — | -208.01% | -37.97% | -369.37% |
| ebitda margin growth | -19.42% | -1.95% | 5.19% | 6.47% |
| net income growth | -37.5% | 44.29% | 55% | 25% |
| revenue growth | -8.22% | 21.01% | 25% | 13% |
| roce | — | -25.81% | 9.36% | 16.59% |
| roe | — | 1.77% | 8.28% | 134.38% |

## Financial Statements

### Quarterly Results

All figures in ₹ crore unless the row name says otherwise.

| Item | 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 |
| Financing 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 |
| Profit before tax | 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

All figures in ₹ crore unless the row name says otherwise.

| Item | 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 |
| Financing 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 |
| Profit before tax | 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 |
| Dividend Payout % | 15 | 20 | 18 | 14 | 7 | 14 | — |

### Balance Sheet

All figures in ₹ crore unless the row name says otherwise.

| Item | 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

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- |
| Cash from Operating Activity | 106 | 11 | -5 | -21 | 27 | -29 |
| Cash from Investing Activity | -1 | -11 | 14 | 4 | 4 | -8 |
| Cash from Financing Activity | -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

| Item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- |
| ROE % | 5 | 4 | 4 | 6 | 9 | 11 |

## Shareholding Pattern

### Quarterly

| Category | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | --- | --- | --- | --- |
| Promoters | 69.14% | 69.14% | 69.14% | 69.14% |
| FIIs | 0% | 0% | 0% | 0% |
| DIIs | 7.73% | 6.6% | 6.75% | 6.65% |
| Government | 0% | 0% | 0% | 0% |
| Public | 13.02% | 14.45% | 14.21% | 14.11% |
| Others | 10.11% | 9.82% | 9.9% | 10.1% |
| No. of Shareholders | 530 | 527 | 498 | 518 |

## Technical Indicators

Derived from daily closing prices and recomputed each trading session; values move with the market.

- **Overall Signal:** Strong Sell
- **Buy / Neutral / Sell:** 4 / 3 / 12

### Moving Averages — summary: **Strong Sell**

| Indicator | Value | Signal |
| --- | --- | --- |
| SMA (10) | 44.41 | Sell |
| EMA (10) | 43.99 | Sell |
| SMA (20) | 46.15 | Sell |
| EMA (20) | 45.08 | Sell |
| SMA (50) | 44.36 | Sell |
| EMA (50) | 44.61 | Sell |
| SMA (100) | 41.91 | Sell |
| EMA (100) | 44.21 | Sell |
| SMA (200) | 45.79 | Sell |
| EMA (200) | 46.66 | Sell |

### Oscillators — summary: **Buy**

| Indicator | Value | Signal |
| --- | --- | --- |
| RSI (14) | 34.26 | Neutral |
| MACD (12,26,9) | -0.86 | Sell |
| Stochastic (14,3,3) | 0.24 | Buy |
| ADX (14) | 18.15 | Neutral |
| Williams %R (14) | -99.28 | Buy |
| ATR (14) | 1.22 | Neutral |
| ROC (12) | -11.53 | Sell |
| Stoch RSI (14) | 0 | Buy |
| UO (7,14,28) | 20.07 | Buy |

## Filings & Documents

### Other Documents

| Date | Document |
| --- | --- |
| 9h - ARTL bought remaining 49% and 100% OCPS of DPJ TOT on 10 Mar 2026 for ≤INR1,342cr. | [Announcement under Regulation 30 (LODR)-Acquisition 9h - ARTL bought remaining 49% and 100% OCPS of DPJ TOT on 10 Mar 2026 for ≤INR1,342cr.](https://www.bseindia.com/xml-data/corpfiling/AttachLive/5b35b02a-2c23-4eee-affa-ea9d060e77b7.pdf) |
| 9 April 2026 - Submitted Regulation 74(5) confirmation certificate for quarter ended March 31, 2026. | [Certificate under SEBI (Depositories and Participants) Regulations, 2018 9 April 2026 - Submitted Regulation 74(5) confirmation certificate for quarter ended March 31, 2026.](https://nsearchives.nseindia.com/corporate/DARCREDIT_09042026172332_Compliance_Certificate_from_RTA.pdf) |
| 8 April 2026 - Submitted reconciliation of share capital audit report for quarter ended March 31, 2026. | [Certificate under SEBI (Depositories and Participants) Regulations, 2018 8 April 2026 - Submitted reconciliation of share capital audit report for quarter ended March 31, 2026.](https://nsearchives.nseindia.com/corporate/DARCREDIT_08042026113905_Reconciliation_of_Share_Capital_Audit_Report.pdf) |
| 8 April 2026 - Quarterly integrated governance filing for March 31, 2026; no fines, no loans, and zero investor grievances. | [Updates 8 April 2026 - Quarterly integrated governance filing for March 31, 2026; no fines, no loans, and zero investor grievances.](https://nsearchives.nseindia.com/corporate/DARCREDIT_08042026185609_Integarted_Filing_Governance.pdf) |
| 7 Aug - FMC approved and allotted ₹10 crore NCDs, and up to ₹15 crore more on 7 Aug 2026. | [Committee Meeting Updates 7 Aug - FMC approved and allotted ₹10 crore NCDs, and up to ₹15 crore more on 7 Aug 2026.](https://nsearchives.nseindia.com/corporate/DARCREDIT_07082026113324_Outcome_of_the_FMC_for_allotment.pdf) |
| 6 March 2026 - Virtual analyst/institutional investor meeting on 06-Mar-2026 13:00–13:30; no UPSI shared. | [Analysts/Institutional Investor Meet/Con. Call Updates 6 March 2026 - Virtual analyst/institutional investor meeting on 06-Mar-2026 13:00–13:30; no UPSI shared.](https://nsearchives.nseindia.com/corporate/DARCREDIT_06032026140120_Outcome.pdf) |
| 6 April 2026 - Dar Credit & Capital says Regulation 27 corporate governance report is not applicable for SME listing. | [Quarterly Compliance Report on Corporate governance - within 21 days from the end of the quarter 6 April 2026 - Dar Credit & Capital says Regulation 27 corporate governance report is not applicable for SME listing.](https://nsearchives.nseindia.com/corporate/DARCREDIT_06042026163059_Non_Applicability_of_Corporate_Governance.pdf) |
| 6 April 2026 - Dar Credit & Capital says annual secretarial compliance report is not applicable for FY ended March 31, 2026. | [Updates 6 April 2026 - Dar Credit & Capital says annual secretarial compliance report is not applicable for FY ended March 31, 2026.](https://nsearchives.nseindia.com/corporate/DARCREDIT_06042026173527_Non_applicability_of_Annual_Secretarial_Compliance_Report.pdf) |
| 5 May 2026 - Dar Credit & Capital Limited has informed about Resignation of Director/KMP/SMP | [Resignation of Director/KMP/SMP 5 May 2026 - Dar Credit & Capital Limited has informed about Resignation of Director/KMP/SMP](https://nsearchives.nseindia.com/corporate/DCCL_ROID_84308_KMP_Doc.zip) |
| 5 March 2026 - Exchange has sought clarification from Dar Credit & Capital Limited for the quarter ended 31-Dec-2025 with respect to Regulation 33 of the SEBI (LODR) Regulations, … | [Clarification - Financial Results 5 March 2026 - Exchange has sought clarification from Dar Credit & Capital Limited for the quarter ended 31-Dec-2025 with respect to Regulation 33 of the SEBI (LODR) Regulations, …](https://www.nseindia.com/companies-listing/corporate-filings-announcements?symbol=DCCL&tabIndex=sme) |

### Earnings Call Documents

| Date | Document |
| --- | --- |
| Nov 2025 | [Concall - Nov 2025](https://nsearchives.nseindia.com/corporate/DARCREDIT_17112025130341_Regulation_30_Transcript_of_Conference_Call.pdf) |
| Jun 2025 | [Concall - Jun 2025](https://nsearchives.nseindia.com/corporate/DARCREDIT_04062025155647_Investor_concall_Transcript_FY_24-25.pdf) |

### Annual Reports

| Date | Document |
| --- | --- |
| from nse | [Annual Report 2026 from nse](https://archives.nseindia.com/annual_reports/SME_AR_29606_DCCL_2025_2026_A_50332540_07072026112934.pdf) |
| from nse | [Annual Report 2025 from nse](https://archives.nseindia.com/annual_reports/SME_AR_26571_DCCL_2024_2025_A_18062025180203.pdf) |

---

Provenance differs by section. Financial statements, shareholding and filings are as reported in company disclosures to NSE/BSE/SEBI. Price, volume and 52-week levels are exchange market data. Technical indicators are computed by Tapetide from daily closing prices. The Tapetide Score is Tapetide's own analysis. Analyst ratings are third-party estimates, not company statements. All figures are for research and information only and are not investment advice. Generated 2026-09-13T19:36:56.353Z.