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Dar Credit & Capital IPO

  • Status: Closed
  • RHP:
  • ₹ 114,000 / 2000 shares

    Minimum Investment

IPO Listing Details

  • Listing Date

    28 May 2025

  • Listing Price

    ₹ 65.15

  • Listing Change

    8.58%

  • Last Traded Price

    ₹ 54.50

IPO Details

  • Open Date

    21 May 2025

  • Close Date

    23 May 2025

  • Listing Date

    28 May 2025

  • IPO Price Range

    ₹ 57 to ₹ 60

  • IPO Size

    ₹ 25.66 Cr

  • Listing Exchange

    NSE SME

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Timeline Subscription Status Financials SWOT FAQ Contacts

IPO Timeline

Dar Credit & Capital IPO Subscription Status

Last Updated: 23 May 2025 6:51 PM by 5Paisa

Dar Credit and Capital Ltd, an NBFC, is launching its ₹25.66 crore IPO. It provides personal loans, unsecured and secured MSME loans, mainly to low-income individuals, municipal staff, small vendors, and women entrepreneurs. As of December 31, 2024, it served 24,608 active customers through 27 branches across 64 districts in six Indian states. Its loan book includes 44.46% personal loans and 40.12% microloans, with 224 employees supporting operations.

Established in: 1994
Chairman: Mr. Ramesh Kumar Vijay

Peers

Spandana Sphoorty Financial Ltd
Muthoot Microfin Ltd
Credit Access Grameen Ltd
Fusion Microfinance Ltd
Satin Creditcare Network Ltd
 

Objectives

● Augment the company’s capital base
● General corporate purposes
● Issue expenses

Dar Credit and Capital IPO Size

Types Size
Total IPO Size ₹25.66 Cr.
Offer For Sale -
Fresh Issue ₹25.66 Cr.

 

 Dar Credit and Capital IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 2000 114,000
Retail (Max) 1 2000 114,000
HNI (Min) 2 4000 228,000

Dar Credit and Capita IPO Reservation

Investors Category Subscription (times) Shares Offered Shares bid for Total Amount (Cr.)*
QIB 31.29 8,12,000 2,54,08,000 152.45
NII (HNI) 208.45 6,10,000     12,71,52,000     762.91    
Retail 104.88 14,22,000     14,91,46,000     894.88    
Total** 106.09     28,44,000     30,17,06,000     1,810.24    

 

*The "Shares Offered" and "Total Amount" are calculated using the upper limit of the issue price range.
**Shares allocated to anchor investors (or market makers) are excluded from the total number of shares offered.

Dar Credit and Capita IPO Anchor Allocation

Anchor Bid Date May 20, 2025
Shares Offered 12,16,000
Anchor portion Size (In ₹ Cr.) 7.30
Anchor lock-in period end date for 50% shares (30 Days) June 25, 2025
Anchor lock-in period end date for remaining shares (90 Days) August 24, 2025

Profit and Loss

Balance Sheet

Particulars (in Rs. Crores) FY22 FY23 FY24
Revenue 24.66 25.57 33.01
EBITDA 15.92 16.46 21.92
PAT 2.51 2.93 3.97
Particulars (in Rs. Crores)] FY22 FY23 FY24
Total Assets 169.65 187.27 235.82
Share Capital 10.00 10.00 10.00
Total Borrowings 106.08 120.45 165.58
Particulars (in Rs. Crores FY22 FY23 FY24
Net Cash Generated From / (used in) operating activities 20.96 -14.23 -31.07
Net Cash Generated From / (used in) investing activities -7.81 10.84 -0.71
Net Cash Generated From / (used in) financing activities -13.90 12.02 42.84
Net Increase (Decrease) In Cash And Cash Equivalents -0.77 8.63 11.06


Strengths

1. Fast digital loan processing ensures quicker access and enhanced customer satisfaction.
2. Flexible lending meets the unique needs of underserved and small business clients.
3. Strong local market knowledge enables tailored financial solutions in rural and semi-urban areas.
4. AI-driven risk tools improve loan quality and lower default rates.
 

Weaknesses

1. Loan portfolio is regionally concentrated, limiting geographic diversification.
2. High exposure to underserved segments raises NPA risks.
3. Dependence on accurate borrower data affects credit decisions.
4. IT disruptions could impair service delivery and customer experience.
 

Opportunities

1. Expand into new states to diversify portfolio and increase reach.
2. Leverage AI further to optimise underwriting and collections.
3. Tap into growing MSME demand for digital credit solutions.
4. Strengthen presence among women entrepreneurs and informal sector borrowers.
 

Threats

1. Interest rate fluctuations may reduce profitability margins.
2. Competitive NBFC landscape may pressure loan pricing and retention.
3. Regulatory changes can impact lending practices and operations.
4. Economic downturns may raise default rates among vulnerable borrowers.
 

● Quick and efficient loan disbursal through a fully digital lending platform.
● Focused on underserved segments like municipal staff, vendors, and women entrepreneurs.
● Strong presence in rural and semi-urban markets with deep local understanding.
● Flexible lending products designed to support small businesses and informal sector borrowers.

● India's expanding financial sector offers NBFCs wider lending and growth opportunities.
● Rising financial awareness boosts demand for formal credit and investment solutions.
● Government-backed MSME schemes are driving strong credit demand in underserved segments.
● NBFCs like Dar Credit can leverage tech and local reach to scale operations quickly.

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FAQs

Dar Credit and Capital IPO opens from 21 May 2025 to 23 May 2025.

The size of Dar Credit and Capital IPO is ₹25.66 Cr.

The price of Dar Credit and Capital IPO is fixed at ₹57 to ₹60  per share. 

To apply for Dar Credit and Capital IPO, follow the steps given below:

● Login to your 5paisa account and select the issue in the current IPO section    
● Enter the number of lots and the price at which you wish to apply for the Dar Credit and Capital  IPO.    
● Enter your UPI ID and click on submit. With this, your bid will be placed with the exchange.    

You will receive a mandate notification to block funds in your UPI app.
 

The minimum lot size of Dar Credit and Capital IPO is 2,000 shares and the investment required is ₹114,000.

The share allotment date of Dar Credit and Capital IPO is 26 May 2025

The Dar Credit and Capital IPO will likely be listed on 28 May 2025.

GYR Capital Advisors Private Limited is the book running lead manager for Dar Credit and Capital IPO.
 

Dar Credit and Capital plans to utilise the raised capital from the IPO for:

1. Repayment/pre-payment of certain borrowings
2. General corporate purposes