Incorporated in February 2002, Asset Reconstruction Company (India) Limited is an asset reconstruction company (ARC) engaged in acquiring stressed assets from banks and financial institutions and implementing resolution strategies to maximize recoveries and optimize the value of such assets. The Company received its certificate of registration from the Reserve Bank of India (RBI) to commence securitisation and asset reconstruction operations in August 2003 and is recognised as the first ARC incorporated in India.

The Company operates across three key business verticals&mdash;Corporate Loans, SME and Other Loans, and Retail Loans. It acquires single-credit and portfolio-based stressed secured and unsecured assets and deploys various resolution, restructuring, enforcement, settlement and collection strategies based on the nature of the underlying assets. Its operations generate revenue through fee income and investment income.

The Company has established relationships with a wide range of banks, financial institutions, NBFCs and housing finance companies, supporting its stressed asset acquisition business. It has also focused on expanding its presence in the retail loan segment and uses legal mechanisms, collection infrastructure and data analytics to support asset resolution and recovery.

As of March 31, 2026, the Company operated through 13 offices across 12 states, including Delhi, and had 206 permanent employees. Its operations are supported by registered valuers, collection agents and empanelled lawyers, providing capabilities across acquisition, valuation, resolution and collections.

Competitive Strengths

Established nationwide operational network.

Growing focus on the retail stressed assets segment.

Strong relationships with banks and financial institutions.

Track record of consistent financial and operational performance.

India's first ARC with one of the largest assets under management.

Expertise in acquiring stressed assets with increasing investment in security receipts.

Ability to implement diverse resolution strategies and a robust collections framework.

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