DARCREDITCAPITAL / Q4-FY26 / claim-ledger

Audit the questions that mattered.

Dar Credit & · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY26 · 2026-05-15Back to quarter ↗

Questions audited

Answered directly

64%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Priyan Sharma · individual investor

partial

Vision for FY27 growth across loan segments

Our primary focus will be in the secured loan port secured MS portfolio.

Priyan Sharma · individual investor

direct

Branch addition plans for FY27

We are planning for another five to seven branches and big drives in the new areas of the existing branches.

Priyan Sharma · individual investor

partial

Guidance on AUM and ROC for FY27

25 we are already almost 230 30 crores and we are planning for around 260 to 275 in the coming years.

Manish · 1729 capital

direct

Split of secured vs unsecured lending and trend

35% of my overall portfolio... secured MSN consist of around 30%... balance is the unsecured one.

Manish · 1729 capital

direct

Measures to keep GNPA low for unsecured loans

We basically try to understand the borrower's business and also his household... we calculate the fire and if it fits within the 50% of the income.

Manish · 1729 capital

direct

Provision percentage maintained for unsecured loans

We maintain the 100% provisions for the unsecured loans closure for the NP loans okay as as per the RA guidelines.

Mayor Kmar · Kmart family office

direct

Reason for two different software systems

Personal loan was maintained in Arise money software... after we started the MSM segment in 1998 the VJI has come into operation.

Niawa · Ben Avenue growth fund

evasive

Impact of government credit line guarantee scheme

These credit lines which the government has launched recently are not applicable to us but indirectly... it will be more profitable.

Niawa · Ben Avenue growth fund

evasive

Major growth drivers for next couple of years

We will be maintaining this growth plan... opening of the new branches... increasing of the secured loans.

Nata Singh · Ahab

direct

Personal loan segment reaching saturation

No ma'am we are not diversifying or we are not putting any break on the personal loan segment... it demands a very steady growth.

Nata Singh · Ahab

direct

Plans to enter new states like UP, Maharashtra

We want to consolidate these areas... not to enter any new state right now.

Nata Singh · Ahab

evasive

Business generated from BC partnership and plans for more

The BC partnership... is now operating slowly but... not any at this moment we are going for any new business arrangement.