Asset Reconstruction Company (India) Limited

Overview

Established in 2002, Asset Reconstruction Company (India) Limited (ARCI) is India's first asset reconstruction company, focusing on the acquisition and resolution of distressed financial assets. ARCI operates across the country through a network of 13 offices in 12 states, managing a diverse portfolio that includes corporate, mid-market, and retail segments. The company has a net worth of approximately ₹2,768 crore (₹27.68 billion) and has worked with 31 private banks, two co-operative banks, and 24 public sector banks since its inception. ARCI employs a range of resolution strategies to maximize recovery from its corporate loan portfolios, including the National Company Law Tribunal (NCLT) route through the Insolvency and Bankruptcy Code (IBC), settlement of borrower debt, restructuring or rescheduling of debt, sale of underlying assets under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, and sale of underlying assets through Debt Recovery Tribunals (DRTs). As of March 31, 2025, ARCI had acquired ₹72,657.30 million in total principal debt at a cost of ₹38,155.63 million, achieving recoveries of ₹28,423.88 million. The company's leadership comprises directors recognized for their expertise in banking and the stressed asset domain. The management team includes professionals from banking, stressed asset resolution, legal, and consultancy backgrounds, with a combined experience of over 500 years. ARCI's technology platforms have evolved alongside the industry and its regulations, focusing on big data and AI-driven automation to enhance efficiency in stressed asset recovery. As of March 31, 2025, ARCI had 193 permanent employees managing assets under management (AUM) of ₹16,853 crore, representing total debt of over ₹1,35,524 crore across 12 branches, with additional reach to almost all locations pan India.

Investment Focus

• Acquisition of distressed financial assets from banks and financial institutions
• Resolution of non-performing assets (NPAs) through various strategies
• Focus on maximizing recovery and restoring value to distressed assets