Asset Reconstruction Company (india) Limited · NSE:ARCIL
Asset Reconstruction Company (india) — Q1 FY27 Earnings Presentation
29 slides from Asset Reconstruction Company (india)'s earnings presentation, Oct 6, 2026
Slide 1: Asset Reconstruction Company (India) Limited Investor Presentation Q1 FY27
Asset Reconstruction Company (India) Limited Investor Presentation Q1 FY27 6th October 2026
Slide 2: Safe Harbour
Safe Harbour This presentation and the accompanying slides (the “Presentation”) which have been prepared by Asset Reconstruction Company (India) Limited (the “Company”) have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or sub
Slide 3: Industry Opportunities
Industry Opportunities
Slide 4: India a Growing Credit Market
India a Growing Credit Market Overall Credit1 to GDP Growth Retail Credit3 (Rs. Tn) India’s modest credit to GDP to offer strong runway for credit growth Growth trend in Retail Credit over the years Retail Credit as % of Systemic Credit 25% 35% 37% 201% 140% 137% 133% 14% - 15% 113-116 102% 93% 18%
Slide 5: Stress Grows with Credit, a Structural Opportunity in Every Cycle
Stress Grows with Credit, a Structural Opportunity in Every Cycle Overall Stressed Assets Outstanding is Large* Improving Recovery Rates* of ARCs across Banks1 and NBFCs across Lending Segments Retail2 (Rs. Bn.) +12% p.a. 92% 85% 6,964 5,311 68% 3,470 49% 34% 36% FY20 FY23 FY26 MSME3 (Rs. Bn.) 9,158
Slide 6: ARCIL's Position in India's ARC Industry
ARCIL's Position in India's ARC Industry
Slide 7: FY26 – Key Performance Highlights
FY26 – Key Performance Highlights ~Rs. 1.32 Lakh Cr.* ~Rs. 20,150 Cr.* ~Rs. 4,409 Cr. ~Rs. 2,577 Cr. Total Dues Outstanding Asset Under ARCIL’s Investment in Net Own Funds at the time of Management AUM Acquisition against Outstanding AUM ~Rs. 5,959 Cr. ~Rs. 3,484 Cr. Total Acquisition Total Recovery
Slide 8: About ARCIL | Pioneer of Asset Reconstruction in India
About ARCIL | Pioneer of Asset Reconstruction in India Ownership Structure – 30th September 2026 A two-decade old resolution platform with first mover advantage 77.4% 22.6% 2002 2008 Verticals IBC Tech-Driven India’s first incorporated Successfully acquired Present across Among the few ARCs to Imple
Slide 9: Consistent Financial & Operational Performance
Consistent Financial & Operational Performance Asset Under Management (Rs. Cr.) ARCIL Investments in AUM (Rs. Cr.) Net Owned Funds | Debt to Equity Total Dues Outstanding at the +15% CAGR D/E 0.06X 0.11X 0.39X 20,150 +26% CAGR 4,409 time of Acquisition against Outstanding AUM (Rs. Cr.) 16,853 2,510
Slide 10: ARCIL's Growing Market Share
ARCIL's Growing Market Share ARCIL’s AUM Share in the Industry (Rs. Cr.) ARCIL’s Acquisition Share in the Industry (Rs. Cr.) 16% 20% 15% 6,500 17% 21,000 18% 13% 14% 19,000 11% 5,500 16% 12% 14% 17,000 10% 4,500 10% 12% 15,000 20,150 8% 10% 13,000 3,500 16,853 6% 5,959 8% 11,000 15,230 6% 2,500 6% 4
Slide 11: Expertise in Acquiring Stressed Assets With Increasing Investment in SRs
Expertise in Acquiring Stressed Assets With Increasing Investment in SRs Acquisition of stressed assets General Sources of Revenue Deal Structures Company’s Share in Total AUM I Management Fee • Fee is typically charged from trust by ARC (A) Where seller is not an Investor ARCIL’s 2,763 3,298 4,409
Slide 12: Ability to Implement Resolution Strategies & a Robust Collections Framework
Ability to Implement Resolution Strategies & a Robust Collections Framework Resolution strategies to maximize recovery Corporate, SME and Others Retail • Skip tracing – digital tracking and intelligence tools to locate absconding or • Restructuring / rescheduling the debt unresponsive borrowers 8.0%
Slide 13: FY26 | Acquisition & Recovery Highlights
FY26 | Acquisition & Recovery Highlights Rs. 20,150 Cr. Rs. 5,959 Cr. ~Rs. 25,000 Cr. Rs. 2,023 Cr. Rs. 3,484 Cr. Total AUM Total Acquisitions Total Dues of the Acquisitions ARCIL Investment in Acquisitions Total Recovery (~20% YoY) (+50% YoY) During FY26 (+58% YoY) (-10% YoY) FY26 Acquisition by ve
Slide 14: Effective use of Technology and Data Analytics to Improve Efficiency
Effective use of Technology and Data Analytics to Improve Efficiency Core Platforms Data Analytics Action & Collections Proprietary platform Data analytics Automation • Asset tracking • Proprietary scorecards • Once settlement proposals are approved, one-time settlement letters are sent using • Case
Slide 15: Strong PAN India on Ground Network Behind Two Decades of Recovery
Strong PAN India on Ground Network Behind Two Decades of Recovery Relationship with lenders* Presence through our offices in 12 states 53 12 18 NBFCs HFCs States Ludhiana Delhi 13 33 28 Jaipur Lucknow Offices Private Public Sector Banks Banks Ahmedabad Kolkata 988 Lawyers 4 3 Mumbai Indore Bhubanesh
Slide 16: Five Strategies to Drive Growth, Efficiency and New Business Opportunities
Five Strategies to Drive Growth, Efficiency and New Business Opportunities 02 Continue to grow our corporate 03 Continue to focus on Effective Use of loans business Technology and Data Analytics to improve operational efficiency 01 Increase the proportion of our • Acquiring stressed corporate assets
Slide 17: Q1FY27 Operating & Financial Performance
Q1FY27 Operating & Financial Performance
Slide 18: Q1 FY27 - Standalone Financial and Operational Performance
Q1 FY27 - Standalone Financial and Operational Performance Asset Under Management (Rs. Cr.) ARCIL Investments in AUM (Rs. Cr.) Net Owned Funds | Debt to Equity Total Dues Outstanding at the +25% CAGR D/E 0.12X 0.34X +16% CAGR time of Acquisition against 2,792 4,207 2,598 Outstanding AUM (Rs. Cr.) 19
Slide 19: Q1 FY27 - Standalone Statement of Profit and Loss
Q1 FY27 - Standalone Statement of Profit and Loss Particulars (Rs. Cr.) Q1FY27 Q1FY26 Y-o-Y FY26 FY25 Y-o-Y Revenue from Operations Q1FY27 - Earnings Commentary: Fees and Other Income 118.0 57.9 280.1 171.9 • Strong earnings growth: Total income Other Operating Income (Investment Income) 9.6 16.1 19
Slide 20: June 2026 - Standalone Statement of Asset and Liabilities
June 2026 - Standalone Statement of Asset and Liabilities Assets (Rs. Cr.) June'26 Mar’26 Liabilities & Equity (Rs. Cr.) June'26 Mar’26 Financial assets Financial Liabilities Cash and Bank Balance 252.7 98.8 Borrowings (other than Debt securities) 1,100.3 1,205.5 Other Financial Liabilities 34.1 27.
Slide 21: Why Standalone Financials are More Relevant for the ARC Business
Why Standalone Financials are More Relevant for the ARC Business Standalone Q1 FY27 - Profit & Loss Consolidated Parent Subsidiary Adj. Consol. Rationale for elimination Impact Performance (Rs. Cr.) Line Items (Rs. Cr.) Performance (Rs. Cr.) Income FY24 Fee & Other Income 117.95 - 25.39 92.56 Fee an
Slide 22: Historical Financial & Operating Performance
Historical Financial & Operating Performance
Slide 23: Standalone Statement of Profit and Loss
Standalone Statement of Profit and Loss Particulars (Rs. Cr.) FY26 FY25 FY24 Revenue from Operations Fees and Other Income 280.1 171.9 178.9 Other Operating Income (Investment Income) 191.3 192.3 82.3 Recovery of Security Receipts, Unrealized Fee & Expenses (written off earlier) 65.9 100.0 287.5 Int
Slide 24: Standalone Statement of Asset and Liabilities
Standalone Statement of Asset and Liabilities Assets (Rs. Cr.) FY26 FY25 FY24 Liabilities & Equity (Rs. Cr.) FY26 FY25 FY24 Financial assets Financial Liabilities Cash and Bank Balances 98.8 258.7 409.5 Borrowings (other than Debt securities) 1,205.5 305.9 149.9 Trade Receivables 122.4 72.1 73.0 Oth
Slide 25: Annexures
Alrell Premier ARC Annexures
Slide 26: Journey So Far & Key Milestone
Journey So Far & Key Milestone 2003 2007 2008 2009 2010 2002 Incorporation of the Grant of ARC license • Started the NPA • Active in acquiring and Reserves and surplus of Received ‘CSI 2010 Awards of Company from RBI recovery business resolving retail loans Company crossed Rs.1,000 Cr. Excellence in
Slide 27: Seasoned Board of Directors
Seasoned Board of Directors Narayanan Phanindranath Sudarshan Sen Ashish Shukla Subramaniam Kakarla Chairman and Chief Executive Officer Non-Executive Non-Executive Non-Executive Independent and Managing Director Director Director Director Balachander Raksha Shashikant Prasad P Rajaraman Kothari Nag
Slide 28: Experienced Leadership Team
Experienced Leadership Team Pramod Sumit Kapil Mohan Gupta Manchanda Rohilla Chief Financial Chief Risk Head of Collection as Officer Officer a Service (CaaS) Anup Satish Gurleen Kaur Ameet Ashok Mittal Chhabra Kela Head Legal & Head Company Secretary Head – Retail Collection and and Compliance Busi
Slide 29: Thank You
Company : Investor Relations Advisor : Asset Reconstruction Company (India) Limited Strategic Growth Advisors Pvt. Ltd. CIN: U65999MH2002PLC134884 CIN: U74140MH2010PTC204285 Ms. Anuradha Singh – VP Finance Mr. Abhishek Shah / Mr. Dhruvil Jani IR@arcil.co.in E: IR@arcil.co.in abhishek.shah@sgapl.net
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