Mumbai (Maharashtra) [India], November 12: Dar Credit & Capital Limited (DCCL) announced its financial results for the quarter and half year ended September 30, 2025, showcasing strong operational and financial performance across all key parameters.
Key Financial Highlights (Q2 FY 2025–26)
| Particulars | Q2 FY25–26 | QoQ Growth |
| Operating Profit | ₹3.10 Cr | ↑ 13.87% |
| Interest Income | ₹11.90 Cr | ↑ 15.29% |
| Assets Under Management (AUM) | ₹198.10 Cr | ↑ 18.24% |
| Net Profit (PAT) | ₹2.51 Cr | ↑ 48.36% |
Quarterly Performance Summary
•Revenueincreased by15.30%to₹12.04 crore, up from₹10.44 crore in Q2 FY2024, reflecting sustained business momentum.
•Profit After Tax (PAT)surged by48.36%to₹2.51 crore, compared to₹1.69 crore in Q2 FY2025, demonstrating improved profitability.
Financial & Operational Highlights
•Sustained Profit Growth:PAT forH1 FY2025–26stood at₹4.52 crore, up from₹1.63 crorein H1 FY2024–25.
•Lookingat thesatisfactorygrowth in the business andnetprofit the BoardofDarCredit &CapitalLimitedhas announced Interim Dividend@5%for itsShareholdersfor the Financial year 2025-26.
•Robust Disbursement Growth:Total disbursements grew from₹15.38 crore in Q1 FY2025–26to₹35.03 crore in Q2 FY2025–26, led by strong momentum in secured MSME and personal loans.
•AUM Growth:Total AUM rose18.24%, from₹167.54 crore in H1 FY2024–25to₹198.10 crore in H1 FY2025–26.
•Asset Quality–GNPA and NNPA levels improved to1.29%and0.75%, respectively, in Q2 FY2025–26 (vs. 1.47% and 0.93% in Q1 FY2025–26).
•Debt Mobilization:
oDCCL raiseddebt of₹65.00 crorein H1 FY2025–26, including₹10 crore each from ICICI Bank and Bandhan Bank.
oThe company also raised₹10.00 croreassubordinated debtthroughissue ofNon-Convertible Debentures (NCDs)listed in NSE.
•Geographical Expansion:
oDCCL marked itsentry into South Indiaby inaugurating its first branch inTelangana (Miryalaguda, near Hyderabad).
•EBITDA:
oEBITDA forH1 FY2025–26stood at₹15.62 crore, compared to₹14.39 crorein H1 FY2024–25.
oForQ2 FY2025–26, EBITDA was₹8.01 crore, showing consistent operational strength.
Recognitions & Strategic Developments
•DCCL wasfelicitated by the Government of West Bengalfor being listed on the NSE and awarded₹2.00lakhasprize money.
•TheChairman of DCCLwas invited to present the company’s growth story atSAMPARK 2025, organized by SMC.
•New Business Correspondent (BC) Partnerships:
oUnsecured MSME LoanswithKaleidofinCapital Limitedbecame operational fromAugust 2025.
oSecured MSME LoanswithKisan Dhan Capital Limitedwent live fromSeptember 2025following completion of all agreements.
About Dar Credit & Capital Limited (DCCL)
Dar Credit & Capital Limited (DCCL) is aNon-Banking Financial Company (NBFC)registered with theReserve Bank of India, committed to promoting financial inclusion through responsible lending. The company offers a diversified range ofsecured and unsecured credit productscatering to MSMEs and emerging customer segments.
Throughrobust risk management,digital enablement, and acustomer-centric approach, DCCL continues to deliver sustainable growth and value to all stakeholders.
Ramesh Kumar Vijay, Chairman, Director, and Promoter, stated:
“We are pleased with the sustained growth momentum achieved during the quarter and half year ended September FY25. The notable increase in net profit and net interest income highlights the strength of our business model, prudent underwriting practices, and unwavering focus on operational efficiency.
Our disciplined approach to cost management and conservative provisioning has enabled us to deliver strong returns to stakeholders while preserving asset quality. Backed by a solid capital base and an expanding business franchise, we remain confident in our ability to scale responsibly, deepen market penetration, and generate sustainable value for all stakeholders.
Looking ahead, we will continue to invest in digital innovation, enhance customer experience, and strengthen risk management frameworks. Our focus will remain on driving quality growth across target segments, leveraging technology to improve productivity, and fostering long-term partnerships that contribute to inclusive and sustainable development.”
Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investing in financial securities involves risks, and past performance is not indicative of future results. Readers should verify financial data independently or consult with a professional advisor before making investment decisions.
