Dar Credit & Capital Limited · NSE:DCCL
Dar Credit & Capital — FY2025 Earnings Presentation
45 slides from Dar Credit & Capital's earnings presentation, Jun 1, 2025
Slide 1: Regulation 30 intimation letter to NSE
Date: 01st June, 2025 To, Listing Compliance Department, National stock Exchange of India Limited (SME Emerge) Exchange Plaza, Plot No C/1 Block G, Bandra Kurla Complex, Bandra (E), Mumbai-400051 Company Symbol-DCCL (NSE Emerge) Dear Sir/Madam, Subject: Intimation under Regulation 30 of the SEBI (LO
Slide 2: Investor Presentation
Dar Credit & Capital Ltd. we make life simple INVESTOR PRESENTATION 30 YEARS OF EXCELLENCE
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 27 branches COMPANY OVERVIEW NBFC (Non-deposit taking) regd. with the and a team of 220+ employees RBI 30-year legacy of providing credit facilities GNPA is 1.11% as on Mar 2025 High Capital Adequacy Ratio of 36.78%
Slide 6: Vision & Mission
VISION & MISSION COMPANY OVERVIEW VISION To provide professional financial services to low- income customers to improve their quality of life in urban , semi urban & rural areas, lacking access to such services from formal financial institutions and to emerge as a financially strong, ethical and soc
Slide 7: 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 in registration as an NBFC from Dar Credit & 1998, as the previous one was a deposit- the Reserve Bank of India (RBI) COMPANY OVERVIEW Capital
Slide 8: Key Facts
KEY FACTS* COMPANY OVERVIEW 30+ 27 6 23,730 ₹188.14 Cr Years in the business Branches States Active Customers Total Assets (AUM) (Business Sourced From) ₹144.50 Cr ₹171.10 Cr ₹17.04 Cr ₹73.52 Cr 36.78% Total Borrowing Own Portfolio Managed Portfolio Networth Capital Adequacy 1.11% 220+ GNPA Employee
Slide 9: Geographical Footprint
GEOGRAPHICAL FOOTPRINT COMPANY OVERVIEW Rajasthan Bihar Jharkhand Madhya Pradesh West Bengal Gujarat 27 branches and Camps across 64 districts in 6 states in India Investor Presentation 8
Slide 10: Our Branches
OUR BRANCHES State : West Bengal State : Bihar No. of Branch Branch District 1 Basirhat North 24 Parganas No. of Branch District Branch 2 Madhyamgram North 24 Parganas COMPANY OVERVIEW 3 Berachampa North 24 Parganas 21 Mahua Vaishali 4 Helencha North 24 Parganas 22 Tegra Begusarai 5 Barasat North 24
Slide 11: Achievements & Awards
ACHIEVEMENTS & AWARDS Executed a Partnership Agreement with SIDBI (Small Industries Development Bank of India) and Business Correspondent COMPANY OVERVIEW Agreement with ESAF Small Finance Bank Ltd Receive Certificate of Appreciation by Business Conduct for " The 25 Most Recommended Banking & Financ
Slide 12: Management Overview
MANAGEMENT OVERVIEW
Slide 13: Promoter & Chairman
PROMOTER & CHAIRMAN MANAGEMENT OVERVIEW Achievements Mr. Ramesh Kumar Vijay 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 14: Experienced Directors
EXPERIENCED DIRECTORS MANAGEMENT OVERVIEW Mr. Rajkumar Vijay Mr. Umesh Khemka Mr. Saswata Chaudhuri Ms. Neha Baid Whole Time Director Non-Executive Director Independent Director Independent Director • He holds Bachelor’s Degree in • He holds Bachelor’s Degree in • He holds Bachelor’s Degree in • She
Slide 15: 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 6 Years of He is qualified CS – B.Com. He has over She is a Qualified CS, B.Com and M.com. H
Slide 16: Business Overview
BUSINESS OVERVIEW
Slide 17: 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 Offerings: BUSINESS OVERVIEW Unsecured Secured Person MSME MSME al Loans Loans Loans We specialize in prov
Slide 18: 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 19: Sourcing Process
SOURCING PROCESS 01 PERSONAL LOAN Tie up is made with the For the Employees of Loan Amount Directly Municipalities in state of remitted to customer’s BUSINESS OVERVIEW Municipalities Rajasthan, MP, Gujarat bank account 02 UN – SECURED MSME LOANS Sourced through the Offered to people in Rural and Sem
Slide 20: Collection Process
COLLECTION PROCESS COLLECTION PROCESS BUSINESS OVERVIEW E-NACH Online Payment, Cash Mandate Cheques Un – Personal Secured Secured Loan Msme Msme Loans Loans Tie up is made with the The Collection frequency is weekly/ The Collection frequency is Municipalities for deducting the fortnightly / monthly
Slide 21: 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 22: Major Debt Partners
MAJOR DEBT PARTNERS BUSINESS OVERVIEW 6 banks and 22 NBFCs as lenders Strong long-term have (as of Mar, relationships with 2025). financial partners. Established formal agreements with multiple banks and NBFCs for financing. Investor Presentation 21
Slide 23: Lending Metrics
LENDING METRICS BUSINESS OVERVIEW Metric FY25 FY24 FY23 FY22 Yield on Avg. Term Loans (Gross) (%) 21.53% 19.46% 19.00% 20.31% Average Cost of Borrowings (%) 11.49% 11.22% 10.56% 11.35% 22
Slide 24: Gross Loan Portfolio by State
GROSS LOAN PORTFOLIO BY STATE In % 57.31 50.43 45.64 42.66 BUSINESS OVERVIEW 32.47 31.75 26.18 28.94 24.26 21.41 15.30 16.20 0.61 0.00 0.00 1.20 0.000.00 0.85 0.36 0.00 0.91 2.66 0.86 FY22 FY23 FY24 FY25 Rajasthan Madhya Pradesh West Bengal Gujarat Bihar Jharkhand Amount in ₹ Lakhs State FY25 FY24 F
Slide 25: Disbursement, Branches & Active Borrowers
DISBURSEMENT, BRANCHES & ACTIVE BORROWERS As of FY25 In % Disbursement Branches In % Active Borrowers In % 1 0 0 5 13 0 0 11 1 BUSINESS OVERVIEW 4 7 11 4 4 45 33 74 85 West Bengal Rajasthan Bihar Jharkhand Madhya Pradesh Gujarat In Nos State Disbursement Branches Active Borrowers West Bengal 9163.10
Slide 26: Risk Management & Mitigation
RISK MANAGEMENT & MITIGATION Business Risk: Our Municipality Product ensures secure EMI deductions directly from salaries, minimizing NPAs. No write-offs to date. BUSINESS OVERVIEW Management Risk: Experienced Board and management team with system-driven loan processes ensuring efficiency and transp
Slide 27: Key Highlights
KEY HIGHLIGHTS Investment Grade Experienced Rating (CARE) Promoters Technology-driven Strong BUSINESS OVERVIEW Loan Process Professional Setup Online Loan Last 5 year dividend Disbursement track record Scalable Loan Social Impact Product Offerings Finance Strong Capital Trusted by Adequacy 25+ Lende
Slide 28: Competitive Edge
COMPETITIVE EDGE Quick & Efficient Strong Understanding Innovative Use of Loan Processing of Local Markets Technology ➢ Faster loan approvals & disbursements ➢ Deep knowledge of regional ➢ Fully digitized Loan Origination System BUSINESS OVERVIEW than banks economies & customer needs ➢ AI & data ana
Slide 29: Business Strategies
BUSINESS STRATEGIES Digital Transformation • AI & ML-driven credit assessment for faster approvals • Digital loan origination & automated KYC for BUSINESS OVERVIEW seamless processing • Expanding financial access to underserved segments Expanding Our Geographical Footprint • Strengthening presence i
Slide 30: SWOT Analysis
SWOT ANALYSIS Strong corporate governance (Debentures listed on BSE) High dependency on market conditions BUSINESS OVERVIEW Fully technology-driven with robust LOS & LMS platforms Limited access to low-cost funds from PSU banks & financial institutions Experienced and well-diversified Board of Direc
Slide 31: Industry Overview
“Selhe INDUSIK u OVERVIEW
Slide 32: Personal Loan Market in India
PERSONAL LOAN MARKET IN INDIA MARKET SHARE OF LOANS 4% The global personal loans market size was valued at $47.79 5% INDUSTRY OVERVIEW billion in 2020, and is projected to reach $719.31 billion by Home Loans Auto Loans 2030, growing at a CAGR of 31.7% from 2021 to 2030. 15% 24% The personal loan mar
Slide 33: 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 Increasing Interest Rates Hassle – free Availability of Personal loan Flexibility & Shorter repayment onlin
Slide 34: 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 6.25% as of February 2025. This is expected to continue to result in lower lending rates of banks, which in INDUSTRY OVERVIEW turn is expected to
Slide 35: Financial Overview
FINANCIAL OVERVIEW
Slide 36: Key Financial Highlights
KEY FINANCIAL HIGHLIGHTS 4,500.00 80.00 4,139.30 70.69 FINANCIAL OVERVIEW 66.47 4,000.00 64.55 64.37 70.00 3,286.10 3,500.00 60.00 3,000.00 2,926.11 2,556.97 50.00 2,500.00 2,466.25 2,184.14 40.00 2,000.00 1,591.95 1,645.88 30.00 1,500.00 17.48 20.00 1,000.00 10.26 11.82 11.45 704.44 293.00 368.98 1
Slide 37: Key Financials
KEY FINANCIALS In ₹ Lakhs In Times In Times Net Worth Debt to Equity Current Ratio FINANCIAL OVERVIEW 7,351.51 16.68 6,697.09 14.45 2.01 6,024.92 6,177.96 1.43 1.26 1.22 1.76 1.92 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 Dec '24 Investor Presentation 36
Slide 38: H2 FY25 & FY25 Profit & Loss Statement
H2 FY25 & FY25 PROFIT & LOSS STATEMENT (In ₹ Lakhs ) Particulars H2 FY25 H2 FY24 YOY FY25 FY24 YOY Revenues 2,025.50 1,726.00 17.35% 4,030.43 3,222.47 25.07% FINANCIAL OVERVIEW Other Income 47.77 35.75 108.87 63.63 Total Income 2,073.27 1,761.75 17.68% 4,139.30 3,286.10 25.96% Provisions 10.77 11.58
Slide 39: Profit & Loss Statement
PROFIT & LOSS STATEMENT (In ₹ Lakhs ) Particulars FY25 FY24 FY23 FY22* Revenues 4,030.43 3,222.47 2,479.27 2446.83 FINANCIAL OVERVIEW Other Income 108.87 63.63 77.70 19.42 Total Income 4,139.30 3,286.10 2,556.97 2,466.25 Provision and Contigencies 20.30 19.08 24.10 16.00 Employee costs 621.16 475.36
Slide 40: Balance Sheet
BALANCE SHEET (In ₹ Lakhs ) Particulars FY25 FY24 FY23 FY22* Particulars FY25 FY24 FY23 FY22* Share Capital 1,000.00 1,000.00 1,000.00 1,000.00 Non-current Assets Reserves & Surplus 6,351.51 5,697.09 5,262.90 5,024.92 Plant, Property, and Equipment 743.84 821.65 859.21 857.62 FINANCIAL OVERVIEW Shar
Slide 41: Stock Data
STOCK DATA Shareholding Pattern NSE CODE: DCCL | ISIN: INE04Q901010 FINANCIAL OVERVIEW Share Price (₹) 64.00 27.31% Market Capitalization (₹ Cr) 91.37 3.71% No. of Shares 42,76,000 68.98% Face Value (₹) 10.00 52 week High-Low (₹) 66.00 – 60.75 Promoters Flls Public Investor Presentation As on 30/05/
Slide 42: Testimonials
TESTIMONIALS
Slide 43: Corporate Governance
30 YEARS OF SUPPORTING MILLIONS OF SMALL DREAMS! CORPORATE GOVERNANCE Investor Presentation 42
Slide 44: Corporate Governance
30 YEARS OF SUPPORTING MILLIONS OF SMALL DREAMS! CORPORATE GOVERNANCE Investor Presentation 43
Slide 45: 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