Dar Credit & Capital Ltd IPO

Experienced Promoters and Management Team.

Efficient operational team.

Consistent financial performance.

Its business is vulnerable to interest rate risk, and volatility in interest rates could have an adverse effect on its net interest income and net interest margin, thereby affecting its results of operations.

Its gross loan portfolio is derived from loans originating from various state, and any adverse developments in these regions may have an adverse effect on its business, results of operations, financial condition and cash flows.

The NBFC industry in India faces certain risks due to the category of customers that it services, which are not generally associated with other forms of lending. As a result, we may experience increased levels of nonperforming assets and related provisions and write-offs that may adversely affect its business, financial condition and results of operations.

The company depends on the accuracy and completeness of information provided by its borrowers. Any misleading information provided to it by the company borrowers may affect its judgement of their credit worthiness, which could have an adverse effect on its business, cash flows, results of operations, financial condition.

Rating given by Care Ratings CARE BBB- is considered to have moderate degree of safety, therefore, in future it may give Challenges to the business.

The proper functioning of its online platform and technology infrastructure is essential to its business. Any disruption to its IT systems and infrastructure could materially affect its ability to maintain the satisfactory performance of its platform and deliver consistent services to its users.

Its top two states contribute the companys major revenue for the period ended December 31, 2024 and year ended 31st March 2024, 2023, 2022. Any loss of business from one or more of these states may adversely affect its revenues and profitability.

If the company is unable to manage its growth effectively, its business and reputation could be adversely affected. Furthermore, its may not be able to sustain the growth rates the company has had in the past.

Its non-convertible debentures are listed on the BSE and the company is subject to rules and regulations with respect to such listed non-convertible debentures. If the company fails to comply with such rules and regulations, its may be subject to certain penal actions, which may have an adverse effect on its business, results of operations, financial condition and cash flows.

Its credit monitoring and risk management policies may not be adequate to control its Non- Performing Assets which could adversely affect its financial conditions and results of operations.