Partnering with EMARIES INDIA LLP means choosing a team that specializes in financial recovery, restructuring, and legal solutions with a client-first approach. We provide transparent, reliable, and result-driven designed to protect and maximize your financial outcomes. With a deep understanding of Indian financial laws, distressed assets, and recovery frameworks, we ensure sustainable solutions for businesses and individuals.
At EMARIES INDIA LLP, we uphold complete transparency and integrity in all our dealings, ensuring client trust.
Our experienced professionals bring decades of expertise in financial recovery, restructuring, and legal support.
From debt recovery to auctions and insolvency, we provide comprehensive one-stop solutions under one roof.
Understanding the role of ARCs in resolving India's rising NPAs
The alarming rise of Non-Performing Assets (NPAs) both in public and private sector banks has been a major concern. The COVID-19 pandemic exacerbated this issue, with RBI predicting gross NPAs could rise to 13.5% by September 2021.
Asset Reconstruction Companies (ARCs), registered with RBI under the SARFAESI Act, 2002, play a crucial role in the securitization and reconstruction of stressed financial assets. Their primary focus is on recovery through restructuring rather than liquidation.
To be a leading force in financial asset recovery, contributing to a healthier and more transparent banking ecosystem in India.
To ethically and efficiently resolve NPAs by acquiring, restructuring, and recovering stressed assets while supporting the financial stability of institutions.
ARCs acquire NPAs from banks and FIs either through auctions or regulated processes. Post-acquisition, schemes are created to invite QIBs for security receipts. Large debts are held in asset-specific trusts, smaller ones in pooled schemes.
Within six months of acquisition, ARCs initiate resolution through: (a) rescheduling of debt; (b) enforcement of security; (c) settlements; (d) asset possession; or (e) business sale.
Innovation – Embracing new ideas to improve business performance.
Building Leaders – Empowering individuals for future leadership.
Teamwork – Promoting collaboration to achieve client satisfaction.
Curiosity – Encouraging learning and adaptability in dynamic markets.
Customer Focus – Prioritizing client needs and satisfaction.