ComplyKart Services
Asset Reconstruction Company Registration
Buying and resolving bad loans is a licensed business in India — no company can do it without RBI registration under the SARFAESI Act. We prepare the application, the capital structure, and the documentation that RBI scrutinizes.
CA/CS-guided review
Your documents and structure are checked before anything is filed.
Written scope first
Inclusions and payable charges are explained before work begins.
Support till it’s done
One team owns your filing, from the first call to the final handover.
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Experience behind every filing
A quick snapshot of the work so far.
Fees
Fees and packages for Asset Reconstruction Company Registration
Every requirement is a little different, so we quote after a short discussion — the consultation itself is free.
Custom quote
Asset Reconstruction Company Registration
Talk to a ComplyKart expert — we’ll understand your requirement and share an exact written quote before you pay anything.
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Asset Reconstruction Company Registration Package Inclusions
- RBI ARC registration application preparation
- Rs. 300 crore NOF compliance roadmap
- Sponsor and director fit-and-proper documentation
- Business plan for stressed asset acquisition
- Application follow-up until RBI certificate
Overview
What ARC registration actually involves
An ARC buys non-performing assets from banks and financial institutions and works to recover or restructure them.
Registration under Section 3 of the SARFAESI Act, 2002 is mandatory — operating without it is not permitted.
The current minimum Net Owned Fund requirement for registration is ₹300 crore, per RBI's notification.
ARCs raise funds by issuing security receipts to qualified buyers — banks, financial institutions, and other notified investors.
The RBI's certificate of registration is typically granted for five years and is renewable.
Benefits
Why sponsors prepare their ARC application through us
Open each benefit to see what it means for you.
Capital structuring done right
₹300 crore of Net Owned Fund has to be genuine, documented, and traceable. We work with you to structure and evidence it before RBI asks.
A real business plan, not a formality
Acquisition strategy, resolution approach, funding plan, risk controls — we draft the plan RBI expects from a serious applicant.
Governance that passes scrutiny
Board composition, sponsor background, and management depth are all examined. We help you present a credible team.
Handled through the long cycle
ARC applications run for months with multiple query rounds. We stay on the file until there is a decision.
Operating model clarity
We explain how the security-receipt trust structure works in practice, so your team understands the business it is entering — not just the license.
Documents
What documents do you need for ARC Registration?
Clear, current documents matter more than a long checklist. Names, dates of birth and addresses should match across every record — that's what the MCA checks first. Tick what you already have below.
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Promoter and company documents
Verified against MCA requirements
Financial and business documents
Verified against MCA requirements
What is a CIN?
Every Private Limited Company gets a unique 21-character Corporate Identification Number from the MCA. It's proof your company legally exists. You'll need it for bank accounts, tax filings, and contracts. We handle the entire application — you just provide the documents above.
Not sure if your documents are ready?
Send us what you have. A ComplyKart expert will review them for free and tell you exactly what's missing — no obligation.
Get Free Document ReviewQuestions Founders ask us about documents
What if my address proof is old?
Utility bills and bank statements must be less than 2 months old. If yours are older, get a fresh copy — the MCA rejects stale proofs.
Do I need original documents?
No. Clear scans or photos work for the entire process. We never ask you to courier originals.
What if directors live in different cities?
That's normal. Each director uploads their own documents separately. Our system keeps everything organised.
I'm outside India. Can I still register a company?
Yes. India allows 100% foreign ownership in most sectors, and the entire process happens online. You need one Indian resident director, and your passport + address proof must be apostilled — we'll guide you through both. NRI founders and foreign investors do this with us regularly.
Check if you're eligible →How long does registration actually take?
7 to 10 working days from the day your documents are verified. Name approval takes 2-3 days, MCA incorporation another 5-7. We track every stage and update you.
Can I start if I'm missing one document?
Yes. Start now with what you have — we begin name reservation and DSC while you arrange the rest. Most founders are missing one proof; it rarely blocks the timeline.
Process
Asset Reconstruction Company Registration process — step by step
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 5
Structure the ARC
We incorporate the company (if not already done) with ARC business as a main object and ensure promoters meet RBI's fit and proper criteria under the SARFAESI Act, 2002.
Meet the capital requirement
RBI requires ARCs to maintain a minimum net owned fund — currently Rs. 100 crore. We help you document and certify the capital before applying.
Prepare the RBI application
We compile the registration application with the business plan, promoter details, financials, and board-approved policies. Preparation typically takes 4-6 weeks.
File with RBI
The application is filed with the RBI's Department of Regulation. RBI examines the application and may seek clarifications — we handle the responses.
Registration and commencement
On satisfaction, RBI grants the certificate of registration. The ARC can then commence the business of asset reconstruction — acquiring NPAs from banks and resolving them. The approval process typically takes 6-12 months.
Why ComplyKart
Why ComplyKart for this
You should know who’s doing what. Open a stage to see how the work is shared.
We size the commitment honestly
An ARC license is a ₹300-crore-plus commitment before you buy a single loan. We make sure you understand the full pictur...
Regulatory depth
RBI-facing financial-sector applications are core work for our team — the documentation standards are second nature.
Patient, thorough execution
These applications don't move fast. We manage the file steadily and keep you informed at every stage.
We size the commitment honestly: An ARC license is a ₹300-crore-plus commitment before you buy a single loan. We make sure you understand the full picture before proceeding.
For NRI founders & foreign investors
If a founder or investor is outside India
You don't need to fly down. Most of our foreign-founder incorporations are completed without the founder ever visiting India — 100% foreign ownership is allowed in most sectors, and the entire process happens online.
Before you start
- 100% foreign ownership is allowed in most sectors — no Indian partner needed
- One Indian resident director is required by law — we help you find a compliant way forward
- Check whether your sector permits automatic-route foreign investment
- Your passport + address proof need an apostille, not an embassy visit
- Map ownership, beneficial ownership and pricing early
After incorporation
- Receive funds through permitted banking channels
- Complete RBI/FEMA reporting (FC-GPR, FLA) and keep the bank evidence
- Coordinate tax and ongoing compliance advice early
Free 15-minute eligibility call. No obligation.
FAQ
Frequently asked questions
Search all 8 answers, or filter by the stage you’re thinking about.
Showing 8 of 8 answers
RBI currently requires a minimum Net Owned Fund of ₹300 crore for ARC registration, raised by notification in October 2022. This is among the highest entry thresholds in Indian financial regulation.
Foreign investment in ARCs is permitted subject to applicable FDI policy and FEMA conditions, which have changed over time. We verify the current position for your structure before advising.
Typically many months — the application goes through detailed scrutiny, queries, and possible inspection. We give a realistic read after assessing your readiness.
Acquire financial assets from banks, restructure or reschedule debt, enforce security interests, take over management of borrower businesses, and issue security receipts to qualified buyers — all within SARFAESI's framework.
Only qualified buyers — banks, financial institutions, insurance companies, and other notified institutional investors. Retail investors cannot participate.
The certificate is typically granted for five years and is renewable. Ongoing RBI compliance and capital maintenance conditions continue throughout.
An ARC is a specialized license for buying and resolving stressed assets under SARFAESI, with far higher capital requirements and a distinct regulatory regime. A regular NBFC cannot do ARC business without this registration.
Given the scale involved, professional fees are scoped individually — request a quote and we'll discuss after understanding your sponsor structure.
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What clients say about working with us
Real stories from businesses we've worked with.
Our Trademark was applied in all the classes with a short span of time by Complykart Trademark Experts and I can say the level of expertise and commitment they carry is remarkable. It's an A+ from my side. We are now sticking to ComplyKart only.
I found the professionalism of the staff at complykart.com, a pleasure to work with. As a foreigner to India, they took the time to explain the documentation and assisted in every question I raised. I was pleased that complykart.com made it easy for my Business.
Trust, Commitment, Dedication and responsiveness are the best things with ComplyKart. Thanks for handling our Merger assignment with so much care. After my business disputes, complykart handles all things with own sense of understanding.
Learning center
Guides on Asset Reconstruction Company Registration
Deeper reading from our articles — the same rules, explained in plain words.
Trust & transparency
Sources & how we keep this page accurate
Primary sources we refer to:
- Ministry of Corporate Affairs (MCA)
- GST Portal
- Income Tax Department
- IP India (Trademark / Patent / Copyright)
Last verified: 6 October 2026
Compliance rules change. If something on this page looks outdated, tell us on WhatsApp and we'll fix it — and your filing will always follow the current rules, not just what's written here.
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