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HomeIPOAsset Reconstruction Company (India)

About Asset Reconstruction Company (India)

Asset Reconstruction Company is one of the major Asset Reconstruction Companies in India that provides Asset Reconstruction Services. The main activity of the company is the acquisition and resolution of stressed financial assets via restructuring, enforcement of rights over securities, settlements.The business model of the company works in three segments; 1. Corporate Loans 2. SME, and 3. Other loans and retail loans. Company Key Statistics: Second largest ARC in terms of Assets Under Management of Rs 152,300.31 million, as of March 31, 2024. Second largest ARC with Net Worth of Rs 24,625.11 million, as of March 31, 2024. Total Assets Under Management is Rs 168,525.70 million, as of March 31, 2025, with 75.48% in corporate loans, 16.31% in retail loans, and 8.22% SME loans. As of March 31, 2025, there are 201 registered values and 163 collection agents, 13 offices in 12 states, 193 employees

Checklist Quality Analysis

Live IPOs

National Stock Exchange of India logo

National Stock Exchange of India

Mainboard
Open  Close17th Sep 2026 - 21st Sep 2026
Issue Size22561.57 Cr
Min. Qty8 Shares
Issue Price₹ 1700.00
Live IPO
Antala Industries logo

Antala Industries

SME
Open  Close29th Oct 2026 - 5th Nov 2026
Issue Size22.98 Cr
Min. Qty2000 Shares
Issue Price₹ 62.00
Live IPO
Companies NameOpen - CloseIssue SizeMin. QtyIssue PriceApply
National Stock Exchange of India logo

National Stock Exchange of India

Mainboard
17th Sep 2026 - 21st Sep 202622561.57 Cr8 Shares₹ 1700.00
Antala Industries logo

Antala Industries

SME
29th Oct 2026 - 5th Nov 202622.98 Cr2000 Shares₹ 62.00
See All Live IPOs
Asset Reconstruction Company (India)

Asset Reconstruction Company (India)

Open Date

Sep 9, 2026

Close Date

Sep 11, 2026

listed

Min Investment

₹14,873

Lot Size

107 Shares

Issue Size

₹732.97 Cr

Price Range

₹132 - ₹132

Listing Date

Sep 17, 2026

IPO Doc

RHP PDF

Revenue Growth

Company Valuation

Earning Expansion

The investment checklist helps you understand a company's financial health at a glance and identify quality investment opportunities easily.

₹12(+8.63%)GMP
8.63%Prediction Listing Gain

Grey Market Premium (GMP) Trend

Asset Reconstruction Company (India) IPO - Issue Objectives

The IPO is a complete offer-for-sale (OFS). Net IPO proceeds will go to selling shareholders. The company want to achieve the benefits of listing its shares on the stock exchanges.

1

Carry out the offer for sale

The IPO is a complete offer-for-sale (OFS). Net IPO proceeds will go to selling shareholders.

2

Listing on stock exchanges

The company want to achieve the benefits of listing its shares on the stock exchanges.

IPO Subscription Status

QIB
52.65x
NII
15.69x
Individual
3.39x
Total
20.10x

Times subscribed by category (bars capped at 10x for readability). Dashed line marks 1.0x (fully subscribed).

Financials of Asset Reconstruction Company (India)

In Cr.

About Strength & Risks

Why this IPO looks interesting

Key positives investors may want to consider before applying.

01

Strong capital position and low leverage

ARCIL had a lower debt-to-equity ratio among private ARCs in the peer set at 0.39x as of March 2026, compared with 0.74x for Phoenix and 1.29x for JM Financial. Its CRAR stood at 65.31% in FY26, giving it headroom to increase leverage for future growth, particularly as retail and SME acquisitions are largely cash-based.

02

Diversified portfolio beyond corporate assets

Corporate assets accounted for around 69% of ARCIL's FY26 portfolio, Retail accounted for around 24% and SME and other assets for around 8%. ARCIL and Phoenix were the only private ARCs with a vintage of more than five years in the peer set to report positive AUM growth during FY23-FY25, as established ARCs have increasingly moved towards Retail and SME assets.

03

Eligibility to participate in IBC resolutions

ARCIL is among the five ARCs with NOF above ₹1,000 crore as of March 2025 and is therefore eligible to act as a Resolution Applicant under the IBC. This allows the company to participate directly in resolution processes in addition to its traditional asset reconstruction activities.

What investors should watch closely

Risk factors and possible pressure points around the offer.

01

Retail assets have lower recovery rates

Retail is emerging as the main growth segment for ARCs, but recovery rates for retail pools are lower than for corporate assets. The shift towards smaller and more granular accounts also requires technology-led collection and resolution capabilities, and failure to manage these volumes efficiently could put pressure on margins.

02

Longer legal and resolution timelines

The ARC business depends on timely resolution of stressed assets. Delays in legal proceedings and IBC resolutions can increase legal costs, reduce the present value of recoveries and affect the returns generated from the acquired assets. The average IBC resolution time continues to exceed the 330-day limit.

Contact Details

Asset Reconstruction Company (India)

The Ruby, 10th Floor, 29 Senapati Bapat Marg, Dadar (West), Mumbai, Maharashtra, 400028

+912266581300
cs@arcil.co.in
http://www.arcil.co.in/

Asset Reconstruction Company (India) IPO - FAQs

Asset Reconstruction Company (India) IPO is a Mainboard IPO. The issue is priced at 132-₹139. The minimum order quantity is 107 Shares. The IPO opens on 9 Sep, and closes on 11 Sep. TBA is the registrar for the IPO. The shares are proposed to be listed on BSE, NSE.

IPO Timeline

  • Pre Apply2026-09-07
  • Bidding Starts2026-09-09
  • Bidding Ends2026-09-11
  • Allotment Finalisation2026-09-15
  • Release of Funds2026-09-16
  • Demat Transfer2026-09-16
  • Listing2026-09-17
04

Growing retail and SME opportunity

Corporate NPAs have declined in recent years, while Retail and SME assets are becoming a larger opportunity for ARCs. Retail credit increased from around ₹32 lakh crore in March 2020 to ~₹74 lakh crore in March 2026, creating a larger pool of stressed retail assets that ARCs can acquire and resolve.

05

ECL transition could increase stressed asset supply

RBI's Expected Credit Loss framework, which becomes effective from April 2027, will require higher provisioning at an earlier stage of stress. Stage 2 assets could require a provisioning floor of around 5%, compared with around 0.4% currently. This may encourage lenders to sell or write off stressed and SMA accounts ahead of the transition, creating additional acquisition opportunities for ARCs.

06

Potential new business as resolution manager

The proposed Securitisation of Stressed Assets Framework could allow ARCs to act as resolution managers for stressed assets transferred to a Special Purpose Entity. This could provide ARCs with an additional business line by allowing them to earn fees for managing the resolution process even when they are not the owner of the stressed assets.

03

Increasing competition

The proposed Securitisation of Stressed Assets Framework could provide banks and financial institutions with another route to transfer stressed assets through special purpose entities. These entities could compete with ARCs for stressed asset transactions if the framework is implemented.

04

Recovery-linked income can make earnings dependent on recoveries

The industry's revenue mix is shifting towards recovery-linked income, which increased to 44% of private ARC income in FY25 from less than 20% in FY22. This income is generated when recoveries and SR redemptions are achieved, making earnings more dependent on the timing and success of asset resolutions.

05

Higher capital requirements may increase funding needs

RBI requires ARCs to maintain a minimum NOF of ₹300 crore from March 2026 and a CRAR of at least 15%. While this can benefit larger players by driving consolidation, any future increase in capital requirements could require additional capital from ARCs to maintain their ability to acquire stressed assets.