Asset Reconstruction Company (India) was originally incorporated as ‘Asset Reconstruction Company (India) Limited’ as a public limited company on February 11, 2002. Subsequently, the company received the certificate of registration by the Reserve Bank of India to commence business of securitisation and asset reconstruction on August 29, 2003. The company is an asset reconstruction company (ARC) operating across India and is engaged in the business of acquiring stressed assets from banks and financial institutions and implementing resolution strategies through restructuring, enforcement of rights on underlying securities and settlement aimed at maximizing recovery and optimizing the value of such stressed assets in order to generate revenue streams.

It operates across three business verticals - Corporate loans, SME and Other loans, and Retail loans and classify the stressed assets that it acquires based on the resolution mechanism it employs which are subject to its internal assessments. It bids for stressed assets and deploys a mix of resolution and collection strategies, based on the nature of the underlying loan portfolio or the single credit stressed asset.

It acquires both, single-credit and portfolios of stressed secured and unsecured assets from financial institutions and then restructures, resolves as well as employs collection strategies using various legal and data analytics mechanisms, thereby generating both, fee income and investment income for the company. It has established strong relationships with banks and financial institutions which helps the company in acquiring stressed assets.

Business area of the company 

The company is engaged in the business of acquisition of non-performing and distressed assets (NPA) from Banks & Financial institutions and resolving them.

Awards, accreditations and recognition 

• 2010: The company has received ‘CSI 2010 Awards of Excellence in IT’ as runners up in the category banking, financial services and insurance by Computer Society of India.
• 2023: The company was the winner of ‘Talent Acquisition and Retention’ award in the 5th edition CHRO Vision and Innovation Summit and Awards 2023.
• 2025: The company has received ISO/IEC 27001:2022 certification by Quality Risk Compliance for information security management system.
• 2025: The company has received ‘Best Innovative CSR Project - For establishing the Digital Lab at FUEL Business School’ in the 13th Edition Corporate Social Responsibility Summit & Awards 2025 by UBS Forums.
• 2026: The company has received the HRAI Global Awards for Leadership and Excellence for Excellence in Learning and Development from HR Association of India.

History and milestones

• 2002: Incorporation of the company.
• 2003: Grant of ARC license from Reserve Bank of India.
• 2007: Started the NPA recovery business.
• 2007: AUM of the company crossed Rs 50,000 million in Fiscal 2007.
• 2009: Reserves and surplus of the company crossed Rs 10,000 million.
• 2014: Recorded highest acquisition of NPAs at acquisition price of Rs 43,692 million in Fiscal 2014.
• 2015: AUM of the company crossed Rs 100,000 million in Fiscal 2015.
• 2025: AUM of the company reaches Rs 165,000 million in Fiscal 2025.