🟢 At a Glance:
Dar Credit & Capital Ltd (NSE: DCCL) just stunned with a 90.92% jump in FY25 profit — from ₹3.68 Cr to ₹7.04 Cr. Their loan book is expanding across small borrowers in semi-urban India, with technology-led sourcing, and 36.78% capital adequacy.
But here’s the real kicker — you’ve probably never heard of them.
🏦 About the Company
Dar Credit is a Kolkata-based Base Layer NBFC, operating since 1994 with presence in 6 Indian states and 27 branches. Their model? Serving:
- 🧹 Class IV government employees (cleaners, sweepers, peons)
- 🏪 Small shopkeepers and vendors (many are women entrepreneurs)
- 🏢 MSMEs needing unsecured or secured loans
Their product mix is hyper-local and unglamorous. But the numbers speak louder than the brand name.
👥 Who Runs This?
Promoter: Ramesh Kumar Vijay — CA, CS, 39 years of experience
CFO: Saket Saraf — Company Secretary
CEO: Jayanta Banik — Chartered Accountant
Business heads: Spread across Kolkata and Jaipur, with deep local roots in lending
