Asset Reconstruction - IPO Report

ARCIL acquires and resolves stressed assets and NPAs from banks and financial institutions through restructuring, enforcement, settlements and asset monetisation. It earns primarily through management, collection and resolution fees, along with investment income from SRs.

As of March 2026, ARCIL managed AUM of ₹20,150 crore, comprising 68.75% corporate, 23.55% retail and 7.70% SME & Other assets. Retail AUM increased from ₹1,942 crore in FY24 to ₹4,745 crore in FY26, representing a 56.3% CAGR and reflecting diversification from its historically corporate-focused portfolio.

With over two decades of experience, ARCIL acquired ₹5,959 crore of stressed assets in FY26, taking cumulative acquisitions and SRs issued to ₹44,114 crore. Its strategy focuses on mid-sized stressed assets, while real estate accounted for 34.34% of AUM as of March 2026.

ARCIL was the second-most profitable private ARC in India in FY25, with standalone profit of ₹355.3 crore, and ranked second by AUM at ₹16,853 crore.

The company is strengthening retail and MSME resolution through data analytics, borrower scorecards, geo-tracking and digital payment infrastructure. Its 13 offices across 12 states, supported by collection agencies, trained manpower, lawyers and valuers, provide a scalable platform for granular stressed-asset resolution.