Strong Fundamentals
Arcil came into existence in 2002 as a public limited company in pursuance of Section 3 under the Securitisation Act, 2002 making it the first ARC in India. Since then we have continued to build on our reputation as one of the leading ARCs in the industry.
Real-world Experience
We are pioneers in the asset reconstruction industry since we were the first ARC to be incorporated in India.
Expertise & Reach
We operate across the country through a network of 13 offices across 12 states.
Leveraging Capacity
Net Worth of Rs. 2768 Crores (RS. 27.67 million). We continue to leverage our strategic partnerships with banks, non-banking financial companies, industry bodies and fintech platforms to identify new opportunities to acquire stressed corporate assets.
Foundation of Trust
We have established strong relationships with banks and financial institutions which helps us in acquiring stressed assets and since our inception, we have worked with 31 private banks, two co-operative banks, 24 public sector banks.
Rating of AA- for Long Term Debt
by ICRA as of March 2024
Our Business
Our current business covers stressed assets in the Corporate, Mid-market & Retail segments. We believe that for different asset classes, we need different approaches that encompass the value chain from acquisition to resolution under a dedicated vertical which is why we have developed a very mature & specialized approach aimed at value maximization tailored each asset class.
Corporate & Mid-market
As of March 31, 2025, we had acquired Rs. 726,573.07 Million in total principal debt at a cost of ₹ 381,556.32 million or [52.5]% of the total principal debt and had made recoveries of Rs. 284,238.34 million. Over the last two decades, Arcil has managed around Rs. 1.35 Lac Crore of aggregate total dues of the Indian banking system of which 45 – 50% is already resolved and exited. We employ an array of resolution strategies to maximise recovery from our corporate loan portfolios which includes resolution under the NCLT route through IBC, settlement of borrower debt, restructuring/ rescheduling of debt, sale of underlying assets under the SARFAESI Act, and sale of the underlying assets through DRT.
Retail
The Retail Division is a self contained division within Arcil that has evolved through years of on-ground experience. Processes, policies and authorization structure for retail business are distinct from the Corporate/SME structure. Given the scale of Retail portfolios managed by us, Arcil has built various home grown scalable technology infrastructures to enhance the resource effectiveness multi-fold.
The value of Security Receipts (SRs) issued by Arcil since inception exceeds Rs. 381,556.32 Million.
As of March 2025
Expertise at Scale
Given the scale of the opportunity in the Indian stressed assets space, we bring together a combination of expertise, experience and technology to enable effective management of our growing portfolios. To start with our leadership, our Board constitutes of Directors recognized for expertise in Banking and Stressed Asset domain followed by the management team comprised of members from banking, stressed asset resolution, legal and consultancy background, having vast sector and domain knowledge. This is further backed by scalable on-ground teams across the country with front line experience in stressed asset recovery.
People & Infrastructure
Arcil has manpower strength of the Company has 193 permanent employees as on March 31, 2025 with aggregate exposure of Rs 15,230 Crore of AUM (as of March 2024) representing total debt of over Rs 12,1,937 Crore across 13 branches with additional reach to almost all locations pan India. Arcil has also built a unique scalable model of partnering with strategic partners specialising in various activities and locations to enhance need based bandwidth to cater to the emerging requirements.
Data & Technology
We are pioneers in the asset reconstruction industry since we were the first ARC to be incorporated in India, Arcil has pioneered many of the systems and processes that are the standard operating practice adopted by the industry today. Our technology platforms have evolved along with the industry and its regulations. The post COVID era has shifted our focus towards development in the space of big data and AI driven automation to augment people driven processes and effectively allocate resources to maximize efficiency.