Unsecured personal loan stress
Personal loans (35% of portfolio) are unsecured and long-tenured; any economic downturn could increase delinquencies.
medium · analyst_questionDar Credit & Capital Ltd — Q4 FY26
Dar Credit & Capital delivered a strong Q4 FY26 with revenue of ₹14.23cr (+39.6% YoY), EBITDA of ₹10.8cr (+55.9% YoY), and PAT of ₹3.07cr (+60.7% YoY).
bullish
medium
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Geographic concentration risk
Operations limited to 6 states; no plans to enter new states, exposing the company to regional economic shocks.
medium · management_commentaryCost of funds pressure
Current cost of funds at ~14%; management expects upward bias, which could compress margins if not managed.
medium · analyst_questionSlow branch expansion execution
Adding only 5-7 branches in FY27 may limit growth if demand outstrips capacity.
low · data_observation