Asset Reconstruction Co.(India)

About company

Asset Reconstruction Company (India) Limited was started in February 2002. It is an asset reconstruction company, usually shortened to ARC. Its business is to buy loans that borrowers have stopped repaying, called stressed assets, from banks and financial institutions, and then work on recovering as much value as possible from them. It got its certificate of registration from the Reserve Bank of India in August 2003 to carry on securitisation and asset reconstruction, and it is recognised as the first ARC set up in India. The company works across three areas, corporate loans, SME and other loans, and retail loans. It buys both single loans and whole portfolios, secured as well as unsecured, and then uses different methods to recover the money, including resolution, restructuring, enforcement of security, settlement and collection, depending on what the underlying asset is. It earns in two ways, through fee income and through income on its own investments. As on 31 March 2026 it worked out of 13 offices across 12 states and had 206 permanent employees, supported by registered valuers, collection agents and empanelled lawyers. Its promoters are Avenue India Resurgence Pte. Ltd. and State Bank of India.