Press Release

Premier ARC October 29, 2026 To, To, National Stock Exchange of India Limited BSE Limited Corporate Action Department Corporate Relationship Department Exchange Plaza, C-1 Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Bandra (E), Dalal Street, Fort, Mumbai – 400051 Mumbai - 400 001 Symbol: ARCIL Scrip Code: 544921 Dear Sir/ Madam, Sub: Press Release with respect to Financial Results for the quarter (Q2) and half year ended September 30, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing herewith the press release being issued by the Company with regard to the Unaudited Standalone & Consolidated Financial Results of the Company for the quarter (Q2) and half year ended September 30, 2026. We request you to take the above on record. Thanking you, For Asset Reconstruction Company (India) Limited Ameet Ashok Kela Company Secretary and Compliance Officer Membership No.: F7934 Asset Reconstruction Company (India) Limited The Ruby, 10th Floor, 29, Senapati Bapat Marg, Dadar (West), Mumbai 400 028. India Tel: (+91 - 22) 6658 1300 | Fax: (+91 22) 6658 1313/14 |E-mail: investor.relations@arcil.co.in |Website: www.arcil.co.in Corporate Identification Number: L65999MH2002PLC134884 Asset Reconstruction Company (India) Limited Asset Reconstruction Company (India) Limited ARCIL delivers strong H1FY27 performance driven by healthy recovery momentum and increased acquisitions Mumbai, Maharashtra, October 29, 2026: Asset ReconstructionCompany(India) Limited (NSE: ARCIL, BSE: 544921), India’sfirstandlargestprivate asset reconstruction by AUM, Profitability and Market Share, focused on acquiring and resolving non- performing assets (NPAs) and stressed loans from banks and financial institutions announced its unaudited financial results for the quarter and half year ended 30th September 2026. The financial numbersarebasedonInd-AS. Given the inherent nature of the Asset Reconstruction business, which involves long-tenure resolution cycles and few lumpy recoveries in corporate, ARCIL’s financial performance should be evaluated over a longer-term horizon rather than on a quarter-to-quarter basis. Quarterly fluctuations may not fully reflect the underlying strength of the company and sustainable earnings trajectory of the Company. This release thereforefocuses onhalf-yearlyresults; quarterly figures areavailable in theresultsfiledwith thestockexchanges. Standalone Business Performance: Particulars (INR Crore) H1FY27 H1FY26 YoY Total Assets Under Management 20,274 16,784 21% Acquisition 1,707.0 1,445.0 18% Recovery 2,135.1 1,765.0 21% Total Income 516.4 348.0 48% Profit After Tax 290.0 188.7 54% Commentary: • AUMgrew21%YoYtoRs.20,274croreasof30thSeptember2026vsRs.16,784croreayearago. • ARCIL’sinvestmentinAUMincreased26%YoYtoRs.4,442crore. • AcquisitionsstoodatRs.1,707.0crore,anincreaseof18%YoYfromRs.1,445.0crore. • Recoveries for H1 FY27 increased 21% YoY to Rs. 2,135.1 crore from Rs. 1,765.0 crore, reflecting strongperformanceduringthefirsthalfofthefinancialyear. • Totalincomegrew48%YoYtoRs.516.4crorefromRs.348.0crore,supportedbystrongrecovery. • PAT increased 54% YoY to Rs. 290.0 crore compared to Rs. 188.7 crore in H1 FY26. PAT margin improvedtoapproximately56%from54%inthecorrespondingperiodlastyear. • NetworthstoodatRs.3,336.8croreandborrowingswereatRs.1,224.2crore,takingdebt-to-equity to0.37x. • AnnualizedROEwas18.1%,ascomparedto14.0%forFY26. • AnnualizedROAwas12.6%,ascomparedto10.6%forFY26. Management Commentary: Commenting on the Company’s Performance, Mr. Phanindranath Kakarla, Managing Director&ChiefExecutiveOfficeroftheCompanysaid, “Wehavedeliveredastrongperformanceinthe firsthalfofFY27,reflectingtheresilience ofour business model,disciplinedexecutionandsustainedfocusonprofitablegrowth.Totalincomegrewby48%year-on- year to Rs. 516.4 crore, while profit after tax increased by 54% to Rs. 290.0 crore. Our PAT margin expandedtoapproximately56%from54%inthecorrespondingH1FY26,underscoringthestrengthofour earningsprofile. A key highlight of the H1 FY27 was the significant acceleration in our asset acquisition activity. This momentum tookour totalacquisitions for H1 FY27 toRs. 1,707.0 crore, anincrease of18% year-on-year. ARCIL's own investment in H1 FY27 acquisitions stood at Rs. 717.8 crore. Our assets under management grew by21%year-on-yeartoRs.20,274 croreasofSeptember 30,2026,withARCIL'sinvestmentinAUM at Rs. 4,442 crore. This performance reflects our ability toidentifyand capitalize on attractive acquisition opportunitieswhilemaintainingadisciplinedapproachtocapitaldeployment. Our recoveryperformanceremainedhealthy,withQ2recoveriesofRs.1,069.0 crore, markingthesecond consecutivequarterofrecoveriesexceedingRs.1,000crore.TotalrecoveriesforH1FY27increasedby21% year-on-year to Rs. 2,135.1 crore. During H1, corporate recoveries stood at Rs. 1,226.5 crore, retail recoveries contributed Rs. 764.4 crore, while SME and other recoveries contributed Rs. 144.2 crore. Our cumulative Security Receipt (SR) redemption ratio remained at 52% as of September 2026, reflecting our continuedfocusonresolutionandvaluerealization. Banks and financial institutions continue to recognize the important role played by Asset Reconstruction Companies in facilitating efficient resolution across corporate, retail and SME segments. The continued expansion of India's credit market, particularly inretail lending is creatinga broader and more diversified opportunitylandscapefortheARCindustry. As we enter the second half of the financial year, which has historically witnessed a higher share of business activityincludingacquisitionandresolution,weare encouragedbyahealthy acquisitionpipeline andtheopportunitiesahead.Ourstrategicprioritiesremainfocusedonexpandingourcorporateportfolio, particularlyinmid-sizedassetswithsoundunderlyingvalue;strengtheningourpresenceinretailandSME segments; scaling our CaaS (collection-as-a-service) offering for banks; and selectively evaluating opportunities in stressed microfinance portfolios. Alongside these initiatives, we will continue to strengthen our technology and data analytics capabilities to drive greater operational efficiency, improve recoveryoutcomesandenhancescalability. With a strong balance sheet, a diversified business platform and a clear strategic roadmap, we believe ARCIL is well-positioned to capitalize on emerging opportunities in the stressed asset market. We remain committed to disciplined growth, sustainable profitability and creating long-term value for all our stakeholders.” About Asset Reconstruction Company (India) Limited -ARCIL Asset Reconstruction Company (India) Limited (“ARCIL”) is anasset reconstructioncompanyoperating across India, engaged inacquiringstressedassets from banks andfinancialinstitutionsand implementingresolution strategiestomaximizerecoveryandoptimizethevalueofthoseassets. ARCIL was incorporated in 2002 and received RBI registration to commence securitisation and asset reconstruction business on 29 August 2003 under the SARFAESI Act. It completed its first stressed-asset acquisitioninDecember2003andhasthereforeoperatedformorethantwodecades.TheCompanyoperate across three business verticals - Corporate loans, SME and Other loans and Retail loans and classify the stressed assets by the resolution route it expects to use. It bids for stressed assets and deploys a mix of resolution and collection strategies, based on the nature of the underlying loan portfolio or the single credit stressedasset. Safe Harbor Statements in this document relating to future status, events, or circumstances, including but not limited to statements about plans and objectives are forward-looking statements based on estimates and the anticipatedeffectsoffuture eventsoncurrentanddevelopingcircumstances.Suchstatementsaresubjectto numerousrisksanduncertaintiesandarenotnecessarilypredictiveoffutureresults.Actualresultsmaydiffer materially from those anticipated in the for [Showing first 8,000 characters — download PDF for full document]