Dar Credit & Cap

- No explicit mention of current or future capital expenditure (capex) on new branches or infrastructure in the near term; focus is on consolidating existing locations. - Expansion plans involve increasing reach and penetration in current areas rather than opening new branches, especially for personal loans which don't require branch setup. - The company plans to expand its loan portfolio, particularly targeting bordering states like Maharashtra and UP for personal loans. - Strategic partnerships (e.g., with SIDBI and small finance banks) leverage existing infrastructure and workforce without significant additional capital investment. - Overall, growth is expected through enhancing loan book/AUM and leveraging existing capabilities rather than heavy capex, with capital infusion via IPO to improve borrowing and margin.

- Expecting top-line growth of around 35% to 40% for FY26, driven by infusion of fresh capital and expansion in existing product lines. - Anticipate net interest income to grow at a similar rate (35%-40%) in FY26. - Profit after tax (PAT) guidance for FY26 is INR 11 to 12 crores, indicating 56% to 77% year-on-year growth. - Asset Under Management (AUM) expected to grow from INR 188 crore to approximately INR 240 crore in near term; balance sheet size projected to reach INR 300 crore in FY26. - ROA expected to improve from 3.16% in FY25 to about 5.5% to 6% in FY26. - Cost of funds anticipated to reduce by at least 1%, improving margins. - Business correspondent earnings expected to double from INR 1 crore in FY25 to INR 2-2.5 crores by FY26. - Focus remains on personal loans and MSME loans with balanced portfolio growth.

- For FY26, Dar Credit and Capital Limited expects a **net profit (PAT) of INR 11 to 12 crores**, implying 56% to 77% year-on-year growth from INR 7.04 crores in FY25. - Top-line growth (net interest income) is targeted at **35% to 40%** for FY26. - The company aims for **EPS of around INR 10** in FY26. - Operating profits are expected to grow by approximately **30%-40%** year-on-year, continuing the trend seen in FY25. - Return on assets (ROA) is expected to rise to **5.5% to 6% in FY26**, up from 3.16% in FY25. - Interest margin to improve due to capital infusion and lower borrowing costs; cost of funds expected to reduce by at least **1%**. - Growth will come from expanding AUM from INR 223 crores to around **INR 300 crores** in FY26. - Operating leverage expected through better cost management and leveraging the business correspondent model.

The transcript of Dar Credit and Capital Limited's earnings call does not explicitly mention the current or expected order book or pending orders. However, the focus is on their loan portfolio and asset under management (AUM) growth: - Current balance sheet total AUM: around INR 223 crores (FY25). - Outstanding portfolio value: around INR 180 crores including portfolio managed under SIDBI partnership. - Expected AUM growth: targeting around INR 300 crores for FY26. - Business expansion focused on existing geographies with plans to grow in bordering states (Maharashtra, UP). - Personal loans currently constitute around 40% of the portfolio, expected to increase slightly. - No mention of an order book since the company operates in finance/lending, not product sales or manufacturing. Hence, no order book or pending orders data is available in the transcript.

- Dar Credit and Capital Limited recently completed an IPO raising INR 25 crores, which has strengthened their capital base. - The company plans to leverage this fresh equity infusion to borrow more capital at better and competitive rates. - They expect at least a 1% reduction in overall cost of borrowing due to improved capital availability. - No explicit mention was made of any immediate future fundraising through additional equity. - The focus is on utilizing the existing capital and new borrowings to expand the loan portfolio and improve profitability. - No new geographical expansions requiring large capital outlay are planned in the current fiscal year; focus remains on existing locations. - The company plans to continue partnerships (like with SIDBI and small finance banks) that do not require significant balance sheet expansion but help grow the business.