Company Overview

Reliance Asset Reconstruction Company Limited (RARC) is a fast-growing Securitisation and Reconstruction company, registered with the Reserve Bank of India (RBI), under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002.

Our principal business is to acquire non-performing financial assets from banks / financial institutions, manage them through restructuring, and resolve them in a time-bound manner through active interventions.

As on March 31, 2023, we manage a portfolio of Rs. 2,208 crore and 3,42,313 customers across retail and SME segment. However, the portfolio concentration is high in retail segment (both secured and unsecured asset classes). We are present in all major towns and cities across the country, with a dominant retail presence in South and West.

Reliance Capital Limited is our principal sponsor with 49% shareholding and has managing control through the Shareholders Agreement.

To be the leading player in a healthy and robust financial market-place targeted at economically beneficial resolution of NPAs, thereby contributing to the growth and development of the economy.

The Asset Reconstruction industry has undergone a massive transformation over the last few years with the opening up of FDI, establishment of the insolvency code and expectations that ARCs will morph into actual turnaround specialists and, importantly, generate value for its shareholders.

Reliance Asset Reconstruction Company Limited is an active player in the country today within the overall Asset Reconstruction Company (ARC) space and amongst the top 2 in our chosen segment. We invest only if there is sufficient clarity on the turnaround or realisation of value relating to the asset or portfolio that is purchased. Our endeavour has been to grow responsibly and deliver shareholder value amidst the long adjudicating timelines which hopefully, is changed by the evolving Insolvency and Bankruptcy Code.  The Government has shown commendable interest in resolving the non-performing loans and this with a more structured and evolving IBC, appears to be promising for the sector. However, whatever we do needs to be RoE accretive.

Mr. Mehul Gandhi

Executive Director & CEO

History & Milestones


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Geographical Presence

RARC has Operating Hubs in 7 locations and multiple SPOCs across the country to assist the Resolutions and Recovery Process.