Incorporated in February 2002, Asset Reconstruction Company (India) Limited is an asset reconstruction company (ARC) engaged in acquiring stressed assets from banks and financial institutions and implementing resolution strategies to maximize recoveries and optimize the value of such assets. The Company received its certificate of registration from the Reserve Bank of India (RBI) to commence securitisation and asset reconstruction operations in August 2003 and is recognised as the first ARC incorporated in India.
The Company operates across three key business verticals—Corporate Loans, SME and Other Loans, and Retail Loans. It acquires single-credit and portfolio-based stressed secured and unsecured assets and deploys various resolution, restructuring, enforcement, settlement and collection strategies based on the nature of the underlying assets. Its operations generate revenue through fee income and investment income.
The Company has established relationships with a wide range of banks, financial institutions, NBFCs and housing finance companies, supporting its stressed asset acquisition business. It has also focused on expanding its presence in the retail loan segment and uses legal mechanisms, collection infrastructure and data analytics to support asset resolution and recovery.
As of March 31, 2026, the Company operated through 13 offices across 12 states, including Delhi, and had 206 permanent employees. Its operations are supported by registered valuers, collection agents and empanelled lawyers, providing capabilities across acquisition, valuation, resolution and collections.
Competitive Strengths
Asset Reconstruction Co.(India) Ltd.’s revenue increased by 26% and profit after tax (PAT) rose by 15% between the financial year ending with March 31, 2026 and March 31, 2025.
| Period Ended | 31 Mar 2026 | 31 Mar 2025 | 31 Mar 2024 |
|---|---|---|---|
| Assets | 4,460.85 | 3,263.82 | 2,795.34 |
| Total Income | 785.08 | 623.40 | 574.11 |
| Profit After Tax | 407.84 | 355.32 | 305.34 |
| EBITDA | 588.93 | 491.88 | 416.36 |
| NET Worth | 3,079.39 | 2,767.80 | 2,462.51 |
| Reserves and Surplus | 2,751.18 | 2,439.19 | 2,135.20 |
| Total Borrowing | 1,205.50 | 305.93 | 149.95 |
| Amount in ₹ Crore | |||
| Company | Issue Type | Issue Size | Issue Price | PE Ratio | Listing Day Close | Listing Gain/Loss % | LTP |
|---|---|---|---|---|---|---|---|
| Aye Finance Ltd. | Mainboard | ₹1,010.00 Cr | ₹129 | 14.11 | ₹128.91 | -0.07% | ₹184.81 |
| Tata Capital Ltd. | Mainboard | ₹15,511.87 Cr | ₹326 | 35.99 | ₹330.50 | +1.38% | ₹375.05 |
The Asset Reconstruction Co.(India) Ltd. IPO is a 100% Offer for Sale (OFS), so the company will not receive any funding and the entire IPO proceeds will go to the selling shareholders.
| KPI | Mar 31, 2026 | Mar 31, 2025 |
|---|---|---|
| Debt/Equity | 0.39 | 0.11 |
| RoNW | 13.95% | 13.59% |
| PAT Margin | 51.95% | 57.00% |
| EBITDA Margin | 78.21% | 82.47% |
| NAV | 94.78 | 81.97 |
| Valuation Metric | Pre IPO | Post IPO |
|---|---|---|
| EPS (₹) | 12.55 | 12.55 |
| IPO Date | 9 to 11 Sep, 2026 |
| Listing Date | Thu, Sep 17, 2026T |
| Face Value | ₹10 per share |
| Price Band | ₹132 to ₹139 |
| Lot Size | 107 Shares |
| Sale Type | OFS only |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Total Issue Size | 5,27,31,946 shares (agg. up to ₹733 Cr) |
| Offer for Sale | 5,27,31,946 shares of ₹10 (agg. up to ₹733 Cr) |
| Share Holding Pre Issue | 32,48,97,140 shares |
| Share Holding Post Issue | 32,48,97,140 shares |
As per our analysis and Based on the information we have, this is the output.
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