Divya Agarwal
Kolkata (West Bengal) [India], February 13: DAR Credit & Capital Limited (NSE Symbol: DCCL) yesterday delivered a standalone financial performance for the third quarter and nine months ended December 31, 2025, marked by accelerating profitability, expanding margins, and flawless execution across its lending operations.
The Company continues to outperform through a combination of disciplined credit allocation, digital-led operational leverage, and proactive risk containment—proving that profitable growth and asset quality are not trade-offs, but strengths.
Q3 FY26 — PROFITABILITY ACCELERATES
Key Financial Highlights –
Q3 FY26
- Total Income: ₹1,260.90 Lakhs
- Profit Before Tax (PBT): ₹335.25 Lakhs
- Net Profit (PAT): ₹252.07 Lakhs
- Earnings Per Share (EPS – Basic & Diluted): ₹1.77
PAT Margin expanded to 20.0% — highest in last five quarters.
9M FY26 — MOMENTUM BUILDS TOWARDS RECORD YEAR
9M FY26 Highlights
- Total Income: ₹3,562.17 Lakhs
- Profit Before Tax (PBT): ₹870.82 Lakhs
- Net Profit (PAT): ₹704.23 Lakhs
- Earnings Per Share (EPS – Basic & Diluted): ₹5.27
Nine-month PAT already exceeds 85% of full-year FY25 PAT — firmly on track to deliver record annual profitability.
MANAGEMENT COMMENTARY — COMMAND & CONFIDENCE
Mr. Ramesh Kumar Vijay, Managing Director, DAR Credit & Capital Limited, stated:
“Our Q3 performance is not just strong—it is decisive. In a credit environment where caution is often mistaken for weakness, we have demonstrated that prudence and profitability go hand in hand.
*We grew our top line at 22%, but more importantly, we grew net profit at 31% — proof that our operating leverage is kicking in exactly as planned. Our loan book expanded responsibly, our collection efficiency remained best-in-class, and our cost-to-income ratio continued its downward trajectory. *
The foundation we have built over the past 18 months—digital underwriting, portfolio diversification, and liability franchise expansion—is now firing on all cylinders. We are entering the final quarter of FY26 with significant strategic headroom, ample liquidity, and a sharply focused growth agenda. We will not merely meet our targets; we will surpass them.”
STRATEGIC HIGHLIGHTS — EXECUTION WITH EDGE
- Profitability leadership: PAT grew 31% YoY in Q3 — well ahead of revenue growth, confirming superior cost control and risk selection.
- Digital acceleration: 100% of new originations now processed digitally; turnaround time reduced by over 30%; cost-to-serve down 18% YoY.
OUTLOOK — OFFENSE IN Q4, DOMINANCE IN FY27
The Company enters the final quarter of FY26 with unquestionable momentum.
- Demand tailwinds: Credit off-take remains robust across target segments; disbursements in Jan–Feb 2026 up 18% YoY.
- Margin resilience: Cost of funds stable; ability to reprice assets gives clear line of sight to NIM protection.
- Growth runway: Well-capitalised with CRAR at 43.75%, providing ample firepower for 18–20% AUM growth in FY27.
DAR Credit is not just performing. It is positioning. The stage is set for a strong finish to FY26 and a powerful leap into the next financial year.
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