Dar Credit and Capital IPO

Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering three primary types of financial products: (i) Personal Loans, (ii) Unsecured MSME Loans, and (iii) Secured MSME Loans. The company offers credit solutions to low-income individuals, especially those in class-four employment roles like cleaners and peons in municipalities. Additionally, DCCL extends credit to small-scale shopkeepers and vendors, strongly focusing on empowering women entrepreneurs. As of December 31, the company had 24,608 Active Customers, who are served by our 27 branches and Camps across 64 districts in 6 states in India. The company's loan portfolio was moderately diversified, comprising 44.46% personal loans to individuals, 40.12% micro loans, 2.65% unsecured SME loans, and 12.76% secured MSME loans. Services: Personal Loan to the employees of Municipalities Unsecured MSME Loans Secured MSME Loans As of December 31, 2024, the company had 224 employees. Competitive Strength: Quick and Efficient Loan Processing along with flexible Lending Practices. Strong Understanding of Local Markets. Use technology to improve credit assessment, risk management, and customer service, allowing us to swiftly process applications and disburse loans. Experienced and Qualified Management Team.

The Company Dar Credit and Capital IPO proposes to utilise the Net Proceeds from the Issue towards the following objects: S.No. Objects of the Issue Expected Amount (in Millions) 1 Augment the capital base of the Company 220.00 2 General Corporate Purposes 3 Issue Expenses

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