Arcil is India’s first asset reconstruction company (ARC). It is in the business of resolution of non-performing loans (NPLs) acquired from banks and financial institutions. 

Arcil began operations after the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI) was enacted. As the pioneer in this field, Arcil has been setting the benchmarks for others to follow. It has led the drive to recreate the value of NPLs. In doing so, it plays a proactive role in reenergizing Indian industry through critical times.

Arms is the retail wing of Arcil. Traditionally, the recovery of retail NPLs has been handled either by the lenders themselves, or recovery agencies. Unfortunately, the commission-based incentive structure for these agents has led to malpractice and manipulation. These agencies do not counsel borrowers, as their focus is to recover the dues owed. Neither are they necessarily trained to handle distressed borrowers. Negative media coverage has also placed further pressure on lenders. It was in this environment, to tackle these specific problems, that Arms was founded.

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