PRIVATE VALIDATION PILOTNo live portfolio or borrower data is collected on this website
ARBANTDistressed Asset Infrastructure
ARBANT

Bad loans.
Better prepared.

Prepare the portfolio. Reach relevant ARCs. Run one controlled transfer process.

Enter the story ↓
THE GAP

A small NPA pool enters a system built for much larger transactions.

Smaller pools do not require less diligence. They require a clearer, more efficient path from scattered records to a credible buyer review.

01

Records arrive fragmented

Loan tapes, security records, recovery history and legal notes rarely begin as one consistent portfolio.

02

Preparation effort remains high

The work does not reduce in proportion to pool size, so smaller transactions struggle for attention.

03

Disclosure needs control

Buyers need enough information to assess fit before borrower or lender identity is disclosed.

HOW IT WORKS

Four stages. One controlled process.

  1. 01

    Intake

    Loan tape, security details, compliance records and recovery history enter one controlled workspace.

  2. 02

    Preparation

    Records are standardised, identity is protected and information gaps are made visible.

  3. 03

    Controlled evaluation

    Relevant RBI-registered ARCs review an anonymised opportunity after lender permission.

  4. 04

    Decision

    Terms can be reviewed through one governed process. The lender makes the final decision.

Illustrative workflow. ARBANT does not value a portfolio, provide legal advice, execute an assignment or handle settlement funds.

COMPLIANCE AND SECURITY

Controls before live data.

Current readiness is stated plainly. These safeguards are prerequisites to live portfolio processing, not completed certifications unless expressly confirmed.

CERT-In VAPT
Pre-live requirementIndependent VAPT by a CERT-In empanelled auditor before accepting live portfolio data.
ISO 27001
Readiness plannedISMS controls and a certification roadmap will run alongside platform validation.
DPDP posture
Design stageData minimisation, anonymisation, purpose limitation and permission-controlled access are part of the operating model.
Legal framework
External review plannedLender and ARC agreements, data roles, outsourcing and transaction boundaries will be documented before live use.

No live portfolio or borrower data is accepted through this website.

THE EXPERIENCE BEHIND ARBANT

ARBANT began with a problem seen from inside banking.

Over 13+ years in India's banking sector, the founder worked across the full credit lifecycle, from underwriting and portfolio monitoring to restructuring, recovery, regulation and compliance. One problem kept appearing: stressed portfolios were difficult to evaluate because the information around them was fragmented, inconsistent and difficult to share safely. That experience shaped ARBANT's approach: prepare the portfolio first, then open a controlled path to the market.

Indian bankingIIM alumnaNYU alumna
PRIVATE VALIDATION PILOT

Start with one portfolio.

Share only high-level qualification details. Do not send borrower information, loan tapes or portfolio documents through this form.