Asset Reconstruction Co. (India)

Asset Reconstruction Company (India) acquires and securitizes financial assets, primarily focusing on managing and resolving stressed assets acquired from banks and financial institutions. The company operates across three main business verticals: corporate loans, SME and other loans, and retail loans. It aims to maximize recovery from these distressed assets through various resolution strategies, including mechanisms under the Insolvency and Bankruptcy Code, mutual settlements, and asset sales pursuant to the SARFAESI Act. Revenue is primarily generated through management and trusteeship fees charged as a percentage of the assets under management, as well as investment income from the security receipts issued by the trusts it manages. To optimize its acquisitions and collections, the company utilizes data analytics, proprietary scorecards, and a structured credit assessment framework.

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