Dar Credit & Cap
Dar Credit & Cap Q2 FY26 earnings call: Revenue & Margins
Q2 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
The company targets AUM growth to around Rs. For FY'27, Dar Credit & Capital Limited expects net profit in the range of Rs.
From Dar Credit & Cap's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.
Revenue & Sales Performance
- The company targets AUM growth to around Rs. 250 crore in FY'26, up from Rs. 178 crore as of the call date.
- Net profit is expected between Rs. 18 crore to Rs. 20 crore in FY'27.
- Business correspondence partnerships are expected to contribute Rs. 30-40 crore to AUM by FY'26 and around Rs. 80 crore by FY'27.
- Disbursement from partnerships like Kaleidofin Capital expected to grow to Rs. 1 crore monthly in Q3 and Rs. 2 crore monthly in Q4 FY'26.
- Secured MSME loan disbursement expected to scale from Rs. 50 lakh per month in Q3 to Rs. 1-1.5 crore per month in Q4 FY'26.
- Margins expected to maintain or improve, supported by IPO proceeds with zero cost of funds.
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Profitability & Margins
See what Dar Credit & Cap said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- No explicit mention of current or future capital expenditure (capex) or strategic investments in the transcript.
- The company is focusing on expanding branch network: currently 36 branches, with plans to increase to 42 branches by FY'26.
- Opened a new branch in Telangana (Miryalaguda) as part of geographic expansion.
- No plans disclosed for introducing new products or categories.
- Emphasis on digital infrastructure improvements for customer onboarding, underwriting, and loan approvals, but no specific capex figures provided.
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Fundraising & Capital Structure
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Order Book & Pipeline
- As of H1 FY'26, Dar Credit & Capital Limited's Assets Under Management (AUM) stood around Rs. 178 crores.
- The company targets AUM growth to approximately Rs. 250 crores for FY'26.
- Business correspondent partnerships (e.g., with Kaleidofin Capital and Kisan Dhan Capital) are expected to contribute increasingly to the loan book:
- Kaleidofin: Rs. 40 lakhs disbursed in October 2025, expected Rs. 1 crore average disbursement in Q3 and Rs. 2 crores per month in Q4.
- Kisan Dhan: Secured MSME loans expected to scale from Rs. 50 lakhs per month in Q3 to Rs. 1-1.5 crores per month in Q4.
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Frequently Asked Questions
What were Dar Credit & Cap Q2 FY26 results?
The company targets AUM growth to around Rs. For FY'27, Dar Credit & Capital Limited expects net profit in the range of Rs.
What is Dar Credit & Cap share price analysis?
Dar Credit & Cap currently shows a neutral. The stock trades at a P/E of 5.4 with a market cap of ₹56 Cr. Investors should review the full earnings analysis for detailed insights.
Is Dar Credit & Cap planning capital expenditure?
No explicit mention of current or future capital expenditure (capex) or strategic investments in the transcript. - The company is focusing on expanding branch network: currently 36 branches, with plans to increase to 42 branches by FY'26. - Opened a new branch in Telangana (Miryalaguda) as part of geographic expansion. - No plans disclosed for introducing new products or categories. - Emphasis on digital infrastructure improvements for customer onboarding, underwriting, and loan approvals, but no specific capex figures provided. - The company is tapping bond markets for funding (e.g., issued Rs.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.