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Dar Credit & Capital Limited

  • Minimum Investment
    ₹1,14,000
  • Price Range
    ₹57 - ₹60
  • Issue Size
    ₹25.66 Cr
  • Lot Size
    2000 shares

This stock belongs to the SME (Small & Medium Enterprises) segment which usually has low liquidity and hence, is also riskier. It will be traded in a lot size of 2000 shares after listing.

Proceeds of this IPO to be used for

To augment the capital base of the company

To meet out the general corporate purposes

To meet the issue expenses

Download RHP DocumentGet more in-depth details about this IPO.

Strengths & Weaknesses of Dar Credit & Capital Limited

Flexible & fast lending

The company leverages efficient digital platforms and streamlined processes to ensure quick loan approvals and disbursements. Its flexible lending approach allows for customized financing solutions, catering to underserved segments and borrowers who may not meet traditional bank criteria

Tech-driven lending

The company integrates advanced technologies like data analytics and artificial intelligence into its credit assessment and risk management processes. With a fully digitized loan system and strong online presence, it streamlines disbursements, reduces default risk, and enhances lender trust through transparency and accessibility

Underwriting & risk control

The company follows a rigorous underwriting process supported by data analytics to assess borrower creditworthiness and make informed lending decisions. Alongside this, it implements proactive risk management strategies to monitor trends, mitigate potential defaults, and maintain financial stability

Elevated credit risk

The company primarily lends to underserved segments such as municipal employees, small vendors, and rural borrowers, many of whom lack formal credit histories or stable income. This exposes the business to a higher risk of defaults, potentially increasing non-performing assets and write-offs

Borrower information risk

The company relies heavily on borrower-provided data to assess creditworthiness. If this information is incomplete or inaccurate—whether due to limited financial literacy or intentional misrepresentation—it can lead to flawed lending decisions, increasing the risk of defaults

Platform disruption risk

The company’s business relies on the proper functioning of its online platform and IT infrastructure. Any disruption—such as cyberattacks, software defects, high transaction volumes, or unauthorized access—could negatively impact service delivery and user experience

Financials

Earnings Per Share

Earnings Per Share (EPS) is calculated by dividing a company’s net income by its average number of outstanding shares.

No Data

Balance Sheet

A financial statement that provides details about a company’s assets, liabilities, and shareholders’ equity at a given point in time.
Particulars (In Cr)Y/Y Change
Total Current Assets--
Total Non-Current Assets--
Fixed assets--
Total assets--
Total Current Liabilities--
Total Non-Current Liabilities--
Total Capital Plus Liabilities--
Total Shareholder Funds--
Total Debt to Equity--

Cash Flow

The net amount of cash or cash equivalents being transferred in and out of a company for a specified period of time. Cashflow stems from operating, investing and financing activities.
Particulars (In Cr)Y/Y Change
Cash from Operating Activity--
Cash from Financing Activities--
Cash from Investing Activities--
Net Cash Flow--

About Dar Credit & Capital Limited

Dar Credit and Capital was incorporated on August 10, 1994. The company provides personal loans and MSME financing, focusing on low-income and underserved customers. It operates primarily in West Bengal, Rajasthan, Bihar, and Jharkhand, leveraging digital platforms to streamline loan management and improve customer experience
  • Promoter
    Ramesh Kumar Vijay
  • Promoter
    Rajkumar Vijay
  • Promoter
    Rakshita Vijay

Dar Credit & Capital Limited IPO FAQs

What is Dar Credit & Capital Limited IPO?

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Dar Credit & Capital Limited IPO refers to the initial public offering of shares by Dar Credit & Capital Limited. It is a process by which the company offers its shares to the public for the first time, allowing individuals to become shareholders.

What is the issue size of Dar Credit & Capital Limited IPO?

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For Dar Credit & Capital Limited IPO the issue size is ₹26 Cr. The issue size is the total value of the shares offered to the public. It represents the amount the company aims to raise through the IPO.

What is the minimum investment amount for the Dar Credit & Capital Limited IPO?

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For Dar Credit & Capital Limited IPO the minimum investment is ₹1,14,000. The minimum investment for Dar Credit & Capital Limited IPO is the smallest amount an individual can invest to participate in the offering. It is usually determined by the company and regulatory requirements.

What is the lot size of Dar Credit & Capital Limited IPO?

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For Dar Credit & Capital Limited IPO the lot size is 2000 shares. The lot size of Dar Credit & Capital Limited IPO refers to the number of shares that investors need to bid for and purchase in a single transaction. It is predetermined by the company and regulators.

How to apply for Dar Credit & Capital Limited IPO on Share.Market?

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To apply for Dar Credit & Capital Limited IPO on Share.Market, go to the home page section and click/press on the browse IPOs section to view the open and upcoming IPOs. Select the Dar Credit & Capital Limited IPO from the list and click on apply now. Place your bids or choose the Cut-off Price option. Enter your UPI ID and set up your mandate to place your application.

Can I pre-apply for Dar Credit & Capital Limited IPO?

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Yes, investors can often pre-apply for some of the IPOs. Pre-application allows individuals to express their interest in participating in the IPO before the official subscription period begins. To pre- apply for Dar Credit & Capital Limited IPO on Share.Market, go to the home page section and click/press on the browse IPOs section to view the open and upcoming IPOs. Select the IPO from the list and click on pre-apply now. Once the IPO opens for subscription you can enter your UPI ID and set up your mandate to place your application.

How many days is the IPO application window open?

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The IPO application window typically remains open for 3 days, starting from the date of the IPO opening. However, this duration can vary depending on the specific IPO and the regulatory requirements.

Till what time can I apply for an IPO on the last day on Share.Market?

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You can apply for the IPO till 3 PM on the last day of application on Share.Market.

What is the allotment date of Dar Credit & Capital Limited IPO?

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For Dar Credit & Capital Limited IPO the allotment date is May 26, 2025. The allotment date of Dar Credit & Capital Limited IPO is the date on which shares are allocated to the successful bidders. It marks the distribution of shares to investors.

What are the open and close dates of Dar Credit & Capital Limited IPO?

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For Dar Credit & Capital Limited IPO, the subscription opens on May 21, 2025 and closes on May 23, 2025. The open and close dates of an IPO indicate the period during which investors can submit their bids to participate in the offering.
Bidding Ongoing
-
Total Subscription
106.11x Oversubscribed
Trade
Bidding Ongoing
-
Total Subscription
106.11x Oversubscribed
Trade