Dar Credit & Capital Limited · NSE:DCCL
Dar Credit & Capital — Q3 FY26 Earnings Presentation
30 slides from Dar Credit & Capital's earnings presentation, Feb 16, 2026
Slide 1: NSE filing cover letter for investor presentation
Date: 16.02.2026 To, The Manager Listing Compliance Department National Stock Exchange of India Limited Exchange Plaza, Plot No C/1 Block G, Bandra Kurla Complex Bandra East, Mumbai – 400051 Company Symbol-DCCL (NSE Emerge) Equity Segment ISIN: INE04Q901010 Debt Segment NSE: ISINs: INE04Q907090 and
Slide 2: Investor Presentation
INVESTOR PRESENTATION
Slide 3: Disclaimer
DISCLAIMER This document does not promote any investment, and the contents of this document are not and shall not be construed as investment advice. This Information is for general purposes only. It does not consider investor’s individual needs, investment objectives and specific financial circumsta
Slide 4: Company Overview
COMPANY OVERVIEW
Slide 5: Who We Are?
WHO WE ARE? Established in 1994, We are a Base Layer We are present in 6 states with 35 COMPANY OVERVIEW NBFC (Non-deposit taking) regd. with the branches and a team of 260+ employees RBI 31-year legacy of providing credit GNPA is 1.54% as on December 2025 facilities High Capital Adequacy Ratio of E
Slide 6: Journey & Key Milestones
JOURNEY & KEY MILESTONES Obtained a certificate of A new certificate of registration as an NBFC Incorporated as was issued in lieu of the earlier one issued registration as an NBFC from Dar Credit & in 1998, as the previous one was a deposit- the Reserve Bank of India COMPANY OVERVIEW Capital Limite
Slide 7: Key Facts
KEY FACTS* 31 35 6 21,823 ₹264.57 Cr COMPANY OVERVIEW Years in the business Branches States Active Customers Total Assets (AUM) (Business Sourced From) ₹159.34 Cr ₹202.31 Cr ₹10.73 Cr ₹100.76 Cr 43.84% Total Borrowing Own Portfolio Managed Portfolio Net worth Capital Adequacy 1.5% 260+ GNPA Employee
Slide 8: Geographical Footprint
GEOGRAPHICAL FOOTPRINT COMPANY OVERVIEW Rajasthan Bihar Jharkhand Madhya Pradesh Gujarat West Bengal 35 branches and Camps across 68 districts in 6 states in India Investor 7
Slide 9: Management Overview
MANAGEMENT OVERVIEW
Slide 10: Promoter & Chairman
PROMOTER & CHAIRMAN MANAGEMENT OVERVIEW Mr. Ramesh Kumar Vijay Achievements Promoter & Chairman Appreciation Award by Lions Club of Calcutta Brabourne Road He hold Bachelor’s Degree in Commerce from Government College, Tonk, University of Rajasthan. SME Leader Award 2018 Conferred by Institute of He
Slide 11: Experienced Directors
EXPERIENCED DIRECTORS MANAGEMENT OVERVIEW Mr. Rajkumar Vijay Mr. Umesh Mr. Saswata Ms. Neha Baid Whole Time Director Khemka Chaudhuri Independent Director Non-Executive Director Independent Director • He holds Bachelor’s Degree in • He holds Bachelor’s Degree in • He holds Bachelor’s Degree in • She
Slide 12: Experienced Senior Management
EXPERIENCED SENIOR MANAGEMENT MANAGEMENT OVERVIEW Mr. Prodip Mukherjee Mr. Jayanta Banik Mr. Saket Saraf Ms. Priya Kumari Business Head - CEO CFO Company Secretary Un-Secured Loan He is a CA having more than 30 Years He is qualified CS – B.Com. He has She is a Qualified CS, B.Com and M.com. He is a
Slide 13: Business Overview
BUSINESS OVERVIEW
Slide 14: What We Do
WHAT WE DO We have expertise in India’s financing and investment sector, and have developed a strong understanding of the financial needs of underbanked and underserved customers. Our Financial BUSINESS OVERVIEW Offerings: 4 Personal Loans to Municipal Secured Unsecured Manged Corporation MSME Loans
Slide 15: Loan Products
LOAN PRODUCTS Customer Profile Type of Products Class Four – Municipal BUSINESS OVERVIEW Personal Loan Employees – cleaners, sweepers and peons. Unsecured MSME Loan Secured MSME Loan Small Shopkeepers, Vendors Ticket Size and small businesspersons Personal Loan: Ticket Size of mainly women. ₹50,000
Slide 16: Technology & Digital Platforms
TECHNOLOGY & DIGITAL PLATFORMS We have implemented technology across our operations to enhance efficiency, improve processes, and increase productivity. This enables us to provide timely financial solutions, ensuring superior customer service. BUSINESS OVERVIEW Key Components of IT Systems: LOS & LM
Slide 17: Major Debt Partners
MAJOR DEBT PARTNERS BUSINESS OVERVIEW 7 banks, SIDBI and 29 NBFCs as Strong long-term lenders have (as relationships with of December, financial partners. 2025). Established formal agreements with multiple banks and NBFCs for financing. Investor 16
Slide 18: Lending Metrics
LENDING METRICS Metric 9M FY26 FY25 FY24 BUSINESS OVERVIEW Yield on Avg. Term Loans (Gross) (%) 21.16% 21.53% 19.46% Average Cost of Borrowings (%) 13.07% 11.49% 11.22% LOAN PORTFOLIO ( ₹ in Lakhs ) Particulars 9M FY26 FY25 FY24 Loan to Municipal Employee 8,245.05 7,658.06 7,065.00 Unsecured MSME Lo
Slide 19: Key Highlights
KEY HIGHLIGHTS Investment Grade Experienced Rating (CARE) Promoters Strong Technology-driven Professional BUSINESS OVERVIEW Loan Process Setup Last 6 year Online Loan dividend track Disbursement record Scalable Loan Social Impact Product Offerings Finance Strong Capital Trusted by Adequacy 25+ Lende
Slide 20: Competitive Edge
COMPETITIVE EDGE Quick & Efficient Strong Understanding Innovative Use of Loan Processing of Local Markets Technology ⮚ Faster loan approvals & ⮚ Deep knowledge of regional ⮚ Fully digitized Loan Origination BUSINESS OVERVIEW disbursements than banks economies & customer needs System ⮚ Digital platf
Slide 21: IPO and Listing on NSE Emerge
IPO and LISTING ON NSE EMERGE SHAREHOLDING PATTERN FINANCIAL OVERVIEW 27.31% The Company came out with IPO of 42.76 Lakh equity shares at a price of Rs. 60/- per share aggregating Rs. 25.66 Cr. and got its Equity Shares listed on NSE Emerge on 28th May 2025. 3.71% NSE Code: DCCL 68.98% Promoters Fll
Slide 22: Business Strategies
BUSINESS STRATEGIES Digital Transformation • AI & ML-driven credit assessment for faster approvals BUSINESS OVERVIEW • Digital loan origination & automated KYC for seamless processing • Expanding financial access to underserved segments Expanding Our Geographical Footprint • Strengthening presence i
Slide 23: Industry Overview
INDUSTRY OVERVIEW
Slide 24: Growth Drivers of Personal Loan Market
GROWTH DRIVERS OF PERSONAL LOAN MARKET Personal loan market is forecast to grow at a formidable rate of 17.67% during FY2025 - 2030. Major Drivers: INDUSTRY OVERVIEW Attractive Digitization of Increasin Interest Hassle – free Availability of Personal loan g Rates repayment online lending Business Fl
Slide 25: Growth Drivers of MSME Loan Market
GROWTH DRIVERS OF MSME LOAN MARKET Major Drivers Interest Rates The Reserve Bank of India (RBI) has retained an accommodative stance with the repo rate at 5.25% as of February 2026. This is expected to continue to result in lower lending rates of banks, INDUSTRY OVERVIEW which in turn is expected to
Slide 26: Financial Overview
FINANCIAL OVERVIEW
Slide 27: Q3 & 9M FY26 Financial Result
Q3 & 9M FY26 FINANCIAL RESULT (₹ in Lakhs ) Particulars Q3 FY26 Q2 FY26 Q3 FY25 Revenues 1255.63 1,189.76 1,003.66 FINANCIAL OVERVIEW Other Income 5.27 13.99 36.13 Total Income 1260.90 1,203.75 1,039.79 Provisions and Contingencies 10.83 4.50 2.35 Employee cost 212.26 229.97 171.59 Other expenses 14
Slide 28: Profit & Loss Statement
PROFIT & LOSS STATEMENT ( ₹ in Lakhs ) Particulars 9M FY26 9M FY25 FY25 FY24 Revenues 3,540.50 3008.59 4,030.43 3,222.47 FINANCIAL OVERVIEW Other Income 21.67 97.23 108.87 63.63 Total Income 3,562.17 3105.82 4,139.30 3,286.10 Provision and Contingencies 19.80 11.88 15.00 19.08 Employee cost 641.62 4
Slide 29: Balance Sheet
BALANCE SHEET (In ₹ Lakhs ) Particulars 9M FY26 9M FY25 FY25 FY24 Particulars 9M FY26 9M FY25 FY25 FY24 Share Capital 1,427.60 1,000.00 1,000.00 1,000.00 Non-current Assets 8,648.76 6,157.65 6,351.51 5,697.09 Plant, Property, and FINANCIAL OVERVIEW Reserves & Surplus 740.70 747.34 743.84 821.65 Equi
Slide 30: Thank You!
THANK YOU! Dar Credit & Capital Limited 206, A.J.C. Bose Road, Business Tower, Unit – 6B, 6th Floor, Kolkata, West Bengal – 700017. Phone: +91-86192 – 96633 Email: info@darcredit.com Website: www.darcredit.com Investor Relations Advisors EquiBridgex Advisors Pvt Ltd Ms. Pooja Gandhi Email: info@equi