DCCL

Dar Credit & Capital Limited

Listed company · ISIN INE04Q901010 · NSE SM · FV ₹10
Last price
₹36
+0.98%today
What this company does

Dar Credit & Capital Limited is a listed company. It booked ₹13 cr of revenue in its latest quarter (Q1 FY27) and kept 15.4% of sales as profit.

49out of 100
Equitytale Health Score
Mixed

Healthier than 49% of listed companies we score, on the 5 of 6 measures we could read for it. Each measure is ranked against the 2,387–2,932 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
oversold
RSI (14)
26

At close. Not part of the score.

Profitability & returns58

How much profit it earns on the money it employs

Balance sheet15

How much it owes, and whether earnings cover the interest

Cash quality6

Whether reported profit actually arrives as cash

Valuation90

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Not measurable for this company: growth & consistency. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
A mixed picture
Strengths
✓ Makes a profit
✓ Strong 15% net margin
✓ Promoters hold 69%
✓ No promoter shares pledged
Watch-outs
! Carries high debt (D/E 2.1)

What if I invest in DCCL?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹36▲ +0.98%
latest close · 2026-11-04
52-wk low ₹3444 sessions so far52-wk high ₹53
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio6.3Low
LowAverageHigh
P/B ratio0.57Below book
Below bookModerateHigh
EV / EBITDA7.3Low
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity9.2%Fair
WeakFairStrong ▸15%
Return on capital16.8%Strong
WeakFairStrong
Net margin15.4%Strong
ThinDecentStrong
EBITDA margin60.7%Healthy
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity2.06High
LowModerateHigh ▸1
Interest cover1.4×Risky
RiskyOkayStrong ▸5×
Current ratio1.83Healthy
Tight ◂1HealthyAmple
More figures
Market cap
₹51 cr
Book value
₹63
EPS
₹1.44
latest quarter
Net debt
₹184 cr
owes more than its cash
Enterprise value
₹235 cr
EBITDA
₹32 cr
annualised
EBIT
₹32 cr
annualised
Operating margin
60.7%
Return on assets
2.8%
Earnings yield
16.00%
P/S
0.97
Sales / share
₹37.2
Tax rate
10.9%
Face value
₹10
Shares
1.4 cr
Working capital
₹85 cr
Current assets
₹187 cr
Current liabilities
₹102 cr
Delivery %
93.0%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.

Worth vs price · from the exchange filings
not investment advice
Hard to value confidentlyLow confidence
Too few reliable models — the filings don't support two independent estimates of value.
Models span ₹24–₹24, midpoint ₹24

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹13 cr
Other Income₹9.4 L
Total Income₹13 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹3 cr
Finance Costs₹6 cr
Other Expenses₹3 cr
Total Expenses₹11 cr
Profit before Tax₹2 cr
Tax Expense₹25.1 L
Net Profit₹2 cr
Net margin on total income15.3%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹3 cr19.0%
Finance costs₹6 cr43.0%
Other expenses₹3 cr20.8%
Tax expense₹25.1 L1.9%
Profit for the period₹2 cr15.3%
Total income ₹13 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue13 cr14 cr13 cr
Total income13 cr14 cr13 cr
Expenses9 cr10 cr11 cr
Profit before tax3 cr4 cr2 cr
Tax83.2 L1 cr25.1 L
Net profit (owners' share)3 cr3 cr2 cr
Net margin (owners' share, on revenue)20.1%21.2%15.4%
EPS (₹)1.772.261.44
Balance sheet & cash flow · as of Mar 2026
High debt
Total assets
₹294 cr
Shareholder equity
₹90 cr
parent shareholders
Total debt
₹184 cr
Cash
₹45.1 L
Corporate actions
Dividend yield
1.39%
trailing 12 months
Dividend / share (TTM)
₹0.5
Last dividend
₹0.5
ex 23 Jun 2026
ActionDetailEx-date
Dividend₹0.5 / share23 Jun 2026
Who owns it · 2026-09-30
No pledge
Promoter
69.1%
FII / Foreign
—
DII / Domestic
6.6%
Retail / others
24.3%
Smart-money activity
Bulk / block deals
BoughtMAYANK JAIN · NSE1.00 L @ ₹3529 Oct 26
SoldL7 HITECH PRIVATE LIMITED · NSE1.00 L @ ₹3529 Oct 26
Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 24 named members
owning 69.2% between them · as of 2026-09-30
RAMESH KUMAR VIJAY15.91%
RAKSHITA VIJAY7.34%
KARAN VIJAY6.90%
RAMESH KUMAR VIJAY (RR FAMILY TRUST)6.54%
RAMESH KUMAR VIJAY AND OTHERS HUF6.17%
NIKITA VIJAY6.09%
TANVEE VIJAY6.08%
RAMESH KUMAR VIJAY (PRIMEROSE FOUNDATION)5.81%

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

Money it raised, and what it did with it

When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.

₹10 cr raised in Dec 2025 by private placement of non- convertible debentures bearing isin: ine04q907108

The company has not broken this money down into purposes in its filing for Dec 2025, so there is nothing to measure it against yet.

₹25.7 L raised in May 2025 by selling shares to the public

The company has not broken this money down into purposes in its filing for Dec 2025, so there is nothing to measure it against yet.

Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.