ARBANTDistressed Asset
Infrastructure
Banking professional in a contemporary institutional workspace

STRUCTURED DISTRESSED ASSET TRANSACTIONS

Make smaller NPA portfolios transaction-ready.

ARBANT prepares distressed loan portfolios for permissioned evaluation by verified RBI-registered ARCs.

Explore ARBANT
THE MARKET PROBLEM

Why smaller NPA portfolios remain difficult to transact.

The work required before credible ARC evaluation remains largely fixed, even when the portfolio is small.

RECORDS

Fragmented documentation

Inconsistent loan-level files require repeated reconciliation.

ECONOMICS

High evaluation cost

Diligence effort does not reduce in proportion to pool size.

ACCESS

Controlled disclosure

Identity must remain protected until buyer intent is verified.

THREE STRUCTURAL BARRIERS · ONE PREPARATION LAYER
PORTFOLIO INTELLIGENCE

A decision-useful view of the portfolio, not another data dump.

Portfolio summaries bring exposure, vintage, documentation gaps, exceptions and readiness indicators into one reviewable view.

PORTFOLIO 024Portfolio intelligence
ILLUSTRATIVE DATA
PORTFOLIO UPLOADED

Uploading portfolio…

✓Portfolio received

✓Standardisation started

STANDARDISED SOURCE

Exceptions and missing fields remain visible.

Illustrative demonstration using synthetic portfolio data.

PERMISSIONED DEAL ROOM

Counterparties interact without uncontrolled disclosure.

Verified ARCs move from anonymised screening to expanded diligence only through lender-approved access gates.

PORTFOLIO 024Illustrative deal room
Permissioned
DOCUMENTSTATE
PDFPortfolio teaserAnonymised • v1.2 Ready
XLSAsset scheduleSchema checked • v1.1 Ready
PDFProcess notePermissioned access • v1.0 Ready
ZIPDiligence packIdentity protected Gated
TRANSACTION PATH
01

Portfolio prepared

02

ARC verified

03

Disclosure gate

04

Proposal recorded

05

Transfer close

ARC ACCESSBY INVITATION ONLYIDENTITY WITHHELD
PILOT ELIGIBILITY

Check your pilot fit.

Select four portfolio-level inputs for an immediate indicative result.

ARBANTPILOT FIT
PILOT FIT · 1 OF 425%
Gross NPA pool size₹5–15 Cr

No borrower or loan-level data is requested.

TRY IT NOWFour inputs. An immediate indicative result.
CURRENT PILOT SCOPE

What fits the present validation phase

LIVE PARAMETERS
ELIGIBLE PORTFOLIOS

MSME + secured retail

Two focused portfolio groups.

1Secured and partially secured MSME NPA accounts2Home-loan, loan-against-property and car-loan NPA accounts3Separate, homogeneous MSME or retail pools
NPA ONLY₹2–50 CRSECURED / PARTIALLY SECUREDREGULATED COUNTERPARTIES

Portfolios: Two focused portfolio groups.

MSME + secured retail. Secured and partially secured MSME NPA accounts. Home-loan, loan-against-property and car-loan NPA accounts. Separate, homogeneous MSME or retail pools.

Size: Defined small-pool limits.

₹2–50 Cr. Gross NPA pool outstanding. Borrower-level outstanding generally ₹5–50 lakh. Non-performing assets only; SMA accounts are outside this phase.

Security: Records must support verification.

Verifiable security. Relevant security, charge and ownership records must be available. MSME pools may be fully or partially secured. Retail pools must be secured.

Participants: Participation remains regulated.

NBFC / HFC → ARC. Seller: RBI-regulated NBFC or HFC. Fintech-originated portfolios must be legally owned by an eligible regulated lender. Buyers: RBI-registered Asset Reconstruction Companies only.

Outside: Clear exclusions for this phase.

Future consideration. Mixed MSME-retail pools. Two-wheeler, commercial-vehicle and unsecured retail accounts. Additional portfolio profiles may be considered in future pilot phases.

PRIVATE VALIDATION PILOT

Ready to get started?

Connect with the ARBANT team to discuss portfolio preparation, ARC evaluation or the current validation process.