This bond is no longer available. It has matured, sold out, or been delisted from the platforms we track, last seen on 3 Oct 2026. The details below are kept as a record of the issue. Compare bonds available now →
Dar Credit & Capital Ltd.
Dar Credit & Capital Ltd. is a corporate bond issued by a company to raise debt from investors, was last listed at a yield to maturity (YTM) of 12.75%.
Data as of 3 Oct 2026
How this yield compares
About this bond
Dar Credit & Capital Ltd. is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 12.75%. It pays a coupon of 12.25% and matures on 10 Dec 2027, a remaining tenure of about 1.1 yr. It is rated BBB-, a moderate credit-safety grade - the lowest investment-grade band. GripInvest lists this bond with a minimum investment of ₹1.0L.
Its 12.75% yield is well above the market average, placing it 37th of the 319 Corporate bonds on RightBonds - firmly in the top tier. That is 2.25 percentage points above the Corporate median of 10.50% - a clear yield premium over the typical peer. Against a tenure-matched SBI fixed deposit (6.50%), it pays roughly 6.25 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 1.1 yr horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its moderate safety (BBB-) rating, that is a higher-yield, higher-risk profile. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at DAR CREDIT & CAPITAL (INE04Q907207) at 13.6%, Dar Credit & Capital (INE04Q907231) at 13.35% and Dar Credit & Capital (INE04Q907215) at 13.25%.
About Dar Credit & Capital
Dar Credit & Capital Limited is a small non-deposit-taking NBFC incorporated in 1994, with its head office in Kolkata and a regional office in Jaipur. It lends unsecured to individuals and small enterprises, concentrated on low-income customers in rural and semi-urban areas who made up 72% of the book as of September 2025. The two main products are loans to municipal employees, about 45% of assets under management in March 2025, and micro loans at 38%. Assets under management were Rs 200.75 crore as of September 2025, up from Rs 187.89 crore six months earlier, so this is a genuinely small lender. It listed through an IPO in the first quarter of FY26, raising Rs 23.05 crore and lifting net worth to Rs 99.39 crore, which pushed the capital adequacy ratio to 47.32%.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 12.75% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 1.1 yr.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 12.75% | ₹1,14,642 |
| 5% slab | 12.11% | ₹1,13,905 |
| 20% slab | 10.20% | ₹1,11,695 |
| 30% slab | 8.92% | ₹1,10,224 |
At a 12.25% coupon, ₹1,00,000 of face value pays about ₹12,250 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,225 a year is withheld as TDS - adjustable against your final liability, not an extra tax.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 1.1 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.50%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the BBB- credit risk is the reason for the gap.
