ComplyKart Services
ARC registration, for teams serious about the distressed-assets business
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
Documents you will usually need
Clear, current documents matter more than a long checklist. Names, dates of birth and addresses should match across records.
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From you
We prepare
Process
How we handle your ARC application
You’ll see each stage, what’s pending and what we need from you — so filings don’t bounce back.
Step 1 of 5
Sponsor and capital review
We assess whether your sponsors, capital, and company structure meet the threshold RBI sets — before anything is filed.
Application preparation
The full application with annexures, financials, business plan, and governance documentation is drafted and checked.
Filing with RBI
The application goes to the Reserve Bank through the prescribed process, with all supporting evidence attached.
Query and inspection support
We handle departmental queries and support you through any inspection of books or records RBI conducts.
Registration and launch readiness
On grant of the certificate, we brief your team on ongoing RBI compliance for ARCs.
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.
If a founder or investor is outside India
Foreign ownership is possible in many sectors, but it adds document authentication, banking and FEMA work. Set the route before funds move.
Plan before you start
- Check whether your sector permits automatic-route foreign investment
- Confirm the Indian resident director arrangement
- Map ownership, beneficial ownership and pricing
- Allow time for apostilled or consularised documents
Plan for after setup
- Receive funds through permitted banking channels
- Complete RBI/FEMA reporting and keep the bank evidence
- Coordinate tax and ongoing compliance advice early
FAQ
Frequently asked questions
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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.
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