Dar Credit & Capital Ltd
Dar Credit & Capital Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Dar Credit expects to reach a loan book (AUM) of INR 230-235 crores by Q4 FY26 (March 2026). FY27 AUM expected to cross INR 300 crores, up from INR 202 crores currently.
From Dar Credit & Capital Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Dar Credit expects to reach a loan book (AUM) of INR 230-235 crores by Q4 FY26 (March 2026).
- Projected AUM for FY27 is over INR 300 crores, indicating strong growth in loan disbursements.
- Monthly disbursement target is INR 14-15 crores, set internally to achieve overall growth goals.
- Borrowings expected to increase by around INR 100 crores to approximately INR 250 crores by FY27 to support growth.
- PAT growth is expected to continue with margins remaining healthy, aiming for INR 18-19 crores PAT in FY27.
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Profitability & Margins
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Capital Expenditure Plans
- No explicit mention of current or planned capital expenditure (capex) or strategic investments in the earnings call.
- The company is focusing on expanding its loan portfolio, especially in secured MSME loans and personal loans to municipal employees.
- Expansion plans include growing presence in Bihar, Jharkhand, and Rajasthan through new branches targeting secured and unsecured MSME lending.
- For funding growth, the company relies on borrowing (current borrowing at INR159 crores with headroom up to INR500 crores) including PSU banks and listed NCDs.
- No immediate plans for equity fund raising; well-capitalized with a Capital Adequacy Ratio of ~44%.
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Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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Frequently Asked Questions
What were Dar Credit & Capital Ltd Q3 FY26 results?
Dar Credit expects to reach a loan book (AUM) of INR 230-235 crores by Q4 FY26 (March 2026). FY27 AUM expected to cross INR 300 crores, up from INR 202 crores currently.
What is Dar Credit & Capital Ltd share price analysis?
Dar Credit & Capital Ltd currently shows a neutral. The stock trades at a P/E of 6.8 with a market cap of ₹69 Cr. Investors should review the full earnings analysis for detailed insights.
Is Dar Credit & Capital Ltd planning capital expenditure?
No explicit mention of current or planned capital expenditure (capex) or strategic investments in the earnings call.
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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.