What we do Northern Arc Capital Limited is a diversified NBFC providing retail credit financing and debt capital market access to underserved Indian households and businesses. |
Founded in 1,989 |
Market share Leading player in retail credit financing with over Rs 15,000 crore AUM and a strong presence in microfinance, MSME, and consumer finance sectors. |
Problem solved Bridges credit gap for under-served retail customers by enabling diversified lending, placements, and fund management solutions. |
Top clients or who we serve Serves individual borrowers, microfinance institutions, MSMEs, and retail investors via B2B and B2C channels. |
Key management Ashish Mehrotra (MD & CEO, experienced in retail banking and insurance). |
Our journey and innovations Founded in 1989, pioneered securitization in microfinance and vehicle loans, launched digital platforms like Altifi and NuScore, and IPO in 2024. |
Where we operate Pan-India presence with over 368 branches, digital partners, and international investor reach. |
Top products or what we offer Retail loans across MSME, consumer and rural finance; credit placement; fund management; digital lending platforms like Altifi and nPOS. |
Top brands Altifi digital investment platform; nPOS digital lending platform; Northern Arc Investment Managers with diversified credit funds. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is largely recurring from lending interest and fund management fees with cyclical elements in credit placement. |
Our industry position Strong NBFC with AAA/AA- ratings, top 1000 listed company, diversified credit portfolio and improving asset quality. |
Financial highlights FY25 consolidated income Rs 2,356 crore with Profit After Tax approx Rs 305 crore, showing 24%+ income growth year-on-year. |
Geographical revenue split Revenue predominantly from Indian operations across multiple states with growing digital and branch network. |
Order book - |
Whats driving growth Growth driven by expansion in direct lending, digital transformation, new products, and increased investor funding. |
Our future plans Focus on scaling direct-to-customer lending, launching innovative credit products, expanding digital reach and global investor base. |
Our green promise Committed to ESG with strong focus on responsible financing, social impact funds, and sustainability initiatives via Northern Arc Foundation. |
Our people and values Employs 1100+ staff with emphasis on diversity, inclusion, ethical conduct, and employee development. |
Key challenges ahead Microfinance sector stress, borrower overleveraging, regulatory guardrails, and macroeconomic risks pose challenges. |
Interesting facts First Indian company to launch persistent securitization with replenishing structures and innovative dual-recourse debentures. |
Risks and strategy Mitigates credit risk via proprietary models, diversified portfolio, extensive collection infrastructure, and strong governance. |
