Investor presentation shared with Q1 FY27 performance highlights and India credit-market data

ARCIL has shared its Investor Presentation for Q1 FY27, along with performance highlights for the quarter ended June 30, 2026.

Tue 6 Oct 2026

Credit to GDP

102%

Retail credit projection FY28P

Rs. 113-116 Tn

Retail credit share of systemic credit

25% (FY19) → 35% (FY25) → 37% (FY28P)

What has been shared

Asset Reconstruction Company (India) Limited has submitted its Investor Presentation for Q1 FY27, dated 6th October 2026, along with performance highlights for the quarter ended June 30, 2026. The letter is signed by Ameet Ashok Kela, Company Secretary and Compliance Officer.

The industry picture presented

The presentation opens with an industry section on India's credit market, based on an industry report titled "Analysis of Asset Reconstruction Industry in India" dated August 2026.

• Overall credit to GDP: India 102%, against China 201%, US 140%, Germany 137%, UK 133%, Brazil 93% and S. Africa 67%. The framing used is that India's lower credit to GDP offers a strong runway for credit growth.
• Retail credit: Rs. 28 Tn in FY19, Rs. 76 Tn in FY25 and Rs. 113-116 Tn in FY28P.
• Retail credit as a share of systemic credit: 25% in FY19, 35% in FY25 and 37% in FY28P.
• Systemic credit: Rs. 112 Tn in FY19, Rs. 214 Tn in FY25 and Rs. 378-395 Tn in FY30P.
• Growth markers shown alongside the charts read 18% and 14% - 15% on the retail credit chart, and 11% and 12% - 13% on the systemic credit chart.

Factors listed as supporting retail credit growth

• Formalisation of the economy
• Growing working population
• Increasing urbanisation
• Increasing digital adoption
• Financial inclusion
• Increasing disposable income
• Aspirational consumption behaviour

Definitions used in the presentation

• Credit refers to total credit to the private non-financial sector.
• Systemic credit is domestic banking credit (after deduction of bank lending to NBFC) and NBFC credit.
• Retail credit is personal loans (under SCBs) and retail loans (under NBFCs) together.

Safe harbour note

The presentation states that it contains forward-looking statements about future business prospects and profitability, that these are subject to risks and uncertainties, and that actual results could materially differ. It also states that it is for information purposes and is not an offer or recommendation to buy or subscribe to securities.

How a retail investor can read this

The industry data is a market-level view of the credit cycle in which an asset reconstruction company operates, and the presentation is accompanied by the company's own performance highlights for the quarter ended June 30, 2026.

Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.