{"id":46980,"date":"2026-02-13T11:05:08","date_gmt":"2026-02-13T05:35:08","guid":{"rendered":"https:\/\/dailynewsindia.co.in\/index.php\/2026\/02\/13\/dar-credit-capital-limited-posts-powerful-q3-fy26-results\/"},"modified":"2026-02-13T11:05:08","modified_gmt":"2026-02-13T05:35:08","slug":"dar-credit-capital-limited-posts-powerful-q3-fy26-results","status":"publish","type":"post","link":"https:\/\/dailynewsindia.co.in\/index.php\/2026\/02\/13\/dar-credit-capital-limited-posts-powerful-q3-fy26-results\/","title":{"rendered":"DAR CREDIT &amp; CAPITAL LIMITED POSTS POWERFUL Q3 FY26 RESULTS"},"content":{"rendered":"<div>\n<p><span data-sheets-root=\"1\"><strong>Kolkata (West Bengal) [India], February 13:<\/strong> <\/span>DAR Credit &amp; Capital Limited (NSE Symbol: DCCL) yesterday delivered a\u00a0<strong>standalone financial performance<\/strong>\u00a0for the third quarter and nine months ended December 31, 2025, marked by\u00a0<strong>accelerating profitability, expanding margins, and flawless execution<\/strong>\u00a0across its lending operations.<\/p>\n<p>The Company continues to\u00a0<strong>outperform<\/strong>\u00a0through a combination of disciplined credit allocation, digital-led operational leverage, and proactive risk containment\u2014proving that\u00a0<strong>profitable growth and asset quality are not trade-offs, but strengths<\/strong>.<\/p>\n<p><strong>Q3 FY26 \u2014 PROFITABILITY ACCELERATES<\/strong><\/p>\n<p><strong>Key Financial Highlights \u2013<\/strong><\/p>\n<p><strong>\u00a0Q3 FY26<\/strong><\/p>\n<ul type=\"disc\">\n<li>Total Income:\u00a0\u20b91,260.90 Lakhs<\/li>\n<li>Profit Before Tax (PBT):\u00a0\u20b9335.25 Lakhs<\/li>\n<li>Net Profit (PAT):\u00a0\u20b9252.07 Lakhs<\/li>\n<li>Earnings Per Share (EPS \u2013 Basic &amp; Diluted):\u00a0\u20b91.77<\/li>\n<\/ul>\n<p><strong>PAT Margin expanded to 20.0%<\/strong>\u00a0\u2014 highest in last five quarters.<\/p>\n<p><strong>9M FY26 \u2014 MOMENTUM BUILDS TOWARDS RECORD YEAR<\/strong><\/p>\n<p><strong>9M FY26 Highlights<\/strong><\/p>\n<ul type=\"disc\">\n<li>Total Income:\u00a0\u20b93,562.17 Lakhs<\/li>\n<li>Profit Before Tax (PBT):\u00a0\u20b9870.82 Lakhs<\/li>\n<li>Net Profit (PAT):\u00a0\u20b9704.23 Lakhs<\/li>\n<li>Earnings Per Share (EPS \u2013 Basic &amp; Diluted):\u00a0\u20b95.27<\/li>\n<\/ul>\n<p><strong>Nine-month PAT already exceeds 85% of full-year FY25 PAT<\/strong>\u00a0\u2014 firmly on track to deliver\u00a0<strong>record annual profitability<\/strong>.<\/p>\n<p><strong>MANAGEMENT COMMENTARY \u2014 COMMAND &amp; CONFIDENCE<\/strong><\/p>\n<p><strong>Mr. Ramesh Kumar Vijay, Managing Director, DAR Credit &amp; Capital Limited, stated:<\/strong><\/p>\n<p><em>\u201cOur Q3 performance is not just strong\u2014it is decisive. In a credit environment where caution is often mistaken for weakness, we have demonstrated that\u00a0<strong>prudence and profitability go hand in hand<\/strong>.<\/em><\/p>\n<p>*We grew our top line at 22%, but more importantly,\u00a0<strong>we grew net profit at 31%<\/strong>\u00a0\u2014 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. *<\/p>\n<p><em>The foundation we have built over the past 18 months\u2014digital underwriting, portfolio diversification, and liability franchise expansion\u2014is now firing on all cylinders.\u00a0<strong>We are entering the final quarter of FY26 with significant strategic headroom, ample liquidity, and a sharply focused growth agenda.<\/strong>\u00a0We will not merely meet our targets; we will surpass them.\u201d<\/em><\/p>\n<p><strong>STRATEGIC HIGHLIGHTS \u2014 EXECUTION WITH EDGE<\/strong><\/p>\n<ul type=\"disc\">\n<li><strong>Profitability leadership:<\/strong>\u00a0PAT grew 31% YoY in Q3 \u2014\u00a0<strong>well ahead of revenue growth<\/strong>, confirming superior cost control and risk selection.<\/li>\n<li><strong>Digital acceleration:<\/strong>\u00a0100% of new originations now processed digitally; turnaround time reduced by\u00a0<strong>over 30%<\/strong>; cost-to-serve down\u00a0<strong>18% YoY<\/strong>.<\/li>\n<\/ul>\n<p><strong>OUTLOOK \u2014 OFFENSE IN Q4, DOMINANCE IN FY27<\/strong><\/p>\n<p>The Company enters the final quarter of FY26 with\u00a0<strong>unquestionable momentum<\/strong>.<\/p>\n<ul>\n<li><strong>Demand tailwinds:<\/strong>\u00a0Credit off-take remains robust across target segments;\u00a0<strong>disbursements in Jan\u2013Feb 2026 up 18% YoY<\/strong>.<\/li>\n<li><strong>Margin resilience:<\/strong>\u00a0Cost of funds stable; ability to reprice assets gives\u00a0<strong>clear line of sight to NIM protection<\/strong>.<\/li>\n<li><strong>Growth runway:<\/strong>\u00a0Well-capitalised with\u00a0<strong>CRAR at 43.75%<\/strong>, providing\u00a0<strong>ample firepower for 18\u201320% AUM growth in FY27<\/strong>.<\/li>\n<\/ul>\n<p><strong>DAR Credit is not just performing. It is positioning.<\/strong>\u00a0The stage is set for a\u00a0<strong>strong finish to FY26 and a powerful leap into the next financial year.<\/strong><\/p>\n<p><em>If you object to the content of this press release, please notify us at pr.error.rectification@gmail.com. We will respond and rectify the situation within 24 hours.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kolkata (West Bengal) [India], February 13: DAR Credit &amp; Capital Limited (NSE Symbol: DCCL) yesterday delivered a\u00a0standalone financial performance\u00a0for the third quarter and nine months ended December 31, 2025, marked by\u00a0accelerating profitability, expanding margins, and flawless execution\u00a0across its lending operations. The Company continues to\u00a0outperform\u00a0through a combination of disciplined credit allocation, digital-led operational leverage, and proactive&#8230;<\/p>\n<p class=\"more-link-wrap\"><a href=\"https:\/\/dailynewsindia.co.in\/index.php\/2026\/02\/13\/dar-credit-capital-limited-posts-powerful-q3-fy26-results\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> &ldquo;DAR CREDIT &amp; CAPITAL LIMITED POSTS POWERFUL Q3 FY26 RESULTS&rdquo;<\/span> &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":46981,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[54],"class_list":["post-46980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-business"],"_links":{"self":[{"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/posts\/46980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/comments?post=46980"}],"version-history":[{"count":0,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/posts\/46980\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/media\/46981"}],"wp:attachment":[{"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/media?parent=46980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/categories?post=46980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dailynewsindia.co.in\/index.php\/wp-json\/wp\/v2\/tags?post=46980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}