Blog · 10 Sep 2026
The Arcil public listing explained
In today's Finshots, we take a look at the Arcil IPO and how an asset reconstruction company makes money from unpaid loans.But before we begin, if you’r…
In today's Finshots, we take a look at the Arcil IPO and how an asset reconstruction company makes money from unpaid loans.But before we begin, if you’re someone who loves to keep tabs on what’s happening in the world of business and finance, then hit subscribe if you haven’t already.
We strip stories off the jargon and deliver crisp financial insights straight to your inbox. Just one mail every morning. Promise!If you’re already a subscriber or you’re reading this on the app, you can just go ahead and read the story.The StoryA decade ago, bad loans were one of the biggest problems in Indian banking. Banks were sitting on loans that borrowers weren't repaying, and recovering that money could take years.
But things have changed dramatically since then.4% in Q1 FY27. That's a huge improvement for banks. It means their balance sheets are much healthier, and far less of the money they’ve lent is stuck in loans that aren't being repaid.But 0.4% doesn't mean that there are no bad loans left.