General Updates

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, Subject: Investor Presentation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (the “SEBI Listing Regulations”). In accordance with Regulation 30 read with Schedule III Part A Para A of the SEBI Listing Regulations, enclosed herewith the Investor Presentation along with performance highlights of the Company for the quarter and half year ended September 30, 2026. The aforesaid information is also available on the website of the Company at https://www.arcil.co.in/investor-relations/disclosures-to-stock-exchanges. 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 Encl: as above 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 Investor Presentation – Q2 & H1FY27 29thOctober 2026 {Kintsugi is a centuries-old Japanese art of repairing pottery with precious metals, symbolizing healing, resilience, and renewed value} Safe Harbour This presentation and the accompanying slides (the “Presentation”) which have been prepared by Asset Reconstruction Company (India) Limited (the “Company”) have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, the Presentation is expressly excluded. This Presentation contains certain forward-looking statements concerning the Company’s future business prospects and business profitability, which are subject to a number of risks and uncertainties, and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost overruns on contracts, our ability to manage our international operations, government policies and action regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of these forward-looking statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Industry Opportunities India a Growing Credit Market Overall Credit1 to GDP Growth Retail Credit3 (Rs. Tn) India’s modest credit to GDP to offer strong runway for credit growth Growth trend in Retail Credit over the years Retail Credit as % 25% 35% 37% of Systemic Credit 201% 140% 137% 133% 14% - 15% 113-116 102% 93% 18% China US Germany UK India Brazil S. Africa FY19 FY25 FY28P Growth Trend in Systemic Credit 2 (Rs. Tn) over the years Factors supporting retail credit growth 12% - 13% 378-395 Increasing Formalization of Growing working Increasing digital 11% economy population urbanization 214 adoption Increasing Aspirational Financial disposable consumption inclusion income behavior FY19 FY25 FY30P Financial inclusion on a fast path in India which will aid long term growth for financial institutions Source: Industry report titled “Analysis of Asset Reconstruction Industry in India” dated August 2026 ("CRISIL Industry Report") 2. Systemic Credit: Domestic banking credit (after deduction of bank lending to NBFC) and NBFC credit Notes 3. Retail Credit: Personal loans (under SCBs) and Retail Loans (under NBFCs) together 1. Credit refers to total credit to the private non-financial sector Stress Grows with Credit, a Structural Opportunity in Every Cycle Overall Stressed Assets Outstanding is Large* Improving Recovery Rates* of ARCs across Banks1 and NBFCs across Lending Segments Retail2 (Rs. Bn.) +12% p.a. 85% 6,964 5,311 3,470 49% 34% 36% FY20 FY23 FY26 MSME3 (Rs. Bn.) 9,158 Total Available FY22 FY23 FY24 FY25 FY26P FY27P 8,432 6,835 Stress in the 4,704 *Cumulative recovery rate = Cumulative gross recoveries / Cumulative SRs issued 4,313 4,133 Industry is Cumulative redemption rates of Retail assets have improved 4,119 4,454 ~Rs. 23 Lakh Cr. 2,702 significantly Including ~Rs. 12 FY22 FY24 FY26 Lakh Cr. of Commercial - 3.3% CAGR Individual - 13.3% CAGR written off book#. 78% Corporate4 (Rs. Bn.) 65% +2% p.a. 7,554 6,896 6,512 39% #Written off does not appear in the NPA reporting of Banks / NBFCs FY20 FY23 FY26 FY24 FY25P FY26P FY27P *Includes SMA0, SMA1, SMA2, NPA and Write offs ARCs are one of the most robust channels available for Banks/Financial Institutions to dispose of their stressed assets Source: CRISIL Industry Report Credit cards, Student Loan and Personal Loans ( Personal loan and short-term personal loan) (commercial) here Note: Figures in Rs. Bn are rounded off 3. MSME segment (individual) here includes Business Loans (General), Business Loans (Secured), 4. Commercial bureau data (>Rs. 50 cr. loans exposure) is considered as corporate segment here 1. Small Finance Banks are not included in Banks Business Loans (Unsecured), Commercial Vehicle Loans, Commercial Equipment Loans, Loans against 5. * SSAF (Securitization of Stressed Framework – draft of this framework was released by RBI in April 5 2. Retail portfolio here includes Housing Loan, Vehicle Loans (Used car, Auto loans), Consumer loans, Property (LAP); Commercial bureau data (<=Rs50 cr. loans exposure) is considered as MSME segment 2025) Market Dynamics Rs. 23.7 Lakh Crore of Stress Across Three Business Verticals Our business Corporate SME Retail Rs. lakh cr, FY26 Corporate SME commercial SME individual Retail Total Rs. 23.7 lakh Cr. SMA-0 0.63 1.09 0.88 1.74 4.34 Total stress, FY26 SMA-1 0.39 0.56 0.53 0.79 2.27 Rs. 15.9 lakh Cr. SMA-2 0.03 0.21 0.35 0.56 1.15 NPA + written off (67%) NPA 0.08 0.25 1.69 1.63 3.66 Written off 6.42 2.59 1.01 2.24 12.26 Rs. 7.8 lakh Cr. Total stress 7.55 4.70 4.45 6.96 23.68 SMA: transferable, rarely sold TAM: NPA + W/O 6.50 2.84 2.70 3.87 15.92 ARCIL's Position in India's ARC Industry H1 FY27 – Key Performance Highlights ~Rs. 20,274 Cr.* ~Rs. 4,442 Cr. ~Rs. 2,882 Cr. ~Rs. 1.40 Lakh Cr.* 21% YoY 26% YoY 14% YoY Total Dues Outstanding Asset Under ARCIL’s Investment in Net Owned Fund at the time of Management AUM Acquisition against Outstanding AUM ~Rs. 1,707 Cr. ~Rs. 2,135 Cr. 18% YoY 21% YoY Total Acquisition Total Recovery ~Rs. 516 Cr. ~Rs. 290 Cr. ~12.6% ~18.1% 48% YoY 54% YoY Total Income Profit After Tax Return on Assets Return on Equity Credit Rat [Showing first 8,000 characters — download PDF for full document]