Annual Report 2025-26
India’s credit opportunity extends far beyond lending, it lies in building an ecosystem where capital flows efficiently to every deserving individual, household, and business. At Northern Arc, we have spent over sixteen years building exactly that.
Northern Arc is a diversified, technology-led financial services platform that powers India’s credit ecosystem by connecting borrowers, originator partners, lenders and investors through an integrated, efficient and scalable platform. Our unique ecosystem-led model enables us to originate, underwrite, distribute and manage credit across multiple channels, ensuring that capital reaches underserved segments of the economy while creating value for every participant in the ecosystem.
By combining deep domain expertise, proprietary technology, disciplined risk management and diversified funding relationships, we have built a resilient institution that bridges the gap between capital and opportunity. Whether through our Credit Solutions platform, our rapidly growing Direct-to-Customer lending franchise or our retail bonds platform, Altifi, our purpose remains unchanged, to enable the seamless flow of credit and contribute meaningfully to India’s journey of inclusive and sustainable economic growth.
Numbers that define Northern Arc Capital Limited
Northern Arc evolution into diversified credit enabler
Northern Arc’s evolution has been driven by the strategic addition of complementary business lines. Beginning with enabling financial institutions to raise capital through balance sheet lending, placements, and credit funds, the Company expanded to provide comprehensive credit solutions for Originator Partners. Leveraging the insights, data, and underwriting expertise gained through these partnerships, Northern Arc successfully built its Direct-to-Customer lending franchise, focussed on the high-growth MSME, Consumer, and Rural Finance segments. This journey has transformed the Company into a diversified financial services company with multiple growth engines.
Credit Solutions
- Placements Volume of INR 1.3+ Lakh Crore
- Lending AUM INR 6,802 Crore
- Funds Funds AUM INR 3,092 Crore
- Altifi Registered User 95,000+
Direct to Customer Lending
- Consumer Finance AUM INR 5,092 Crore
- MSME AUM INR 3,691 Crore
- Rural AUM INR 1,009 Crore
Data & Tech
- nPOS 15,000-20,000 loans per day
- NuScore 50 Million data points
- Monetisation Bank and NBFCs
Growing AUM and Profitability across Market Cycles
We have consistently demonstrated our resilience by successfully navigating periods of economic uncertainty and market volatility. Through prudent risk management and a diversified business model, the Company emerged strong, delivering sustained growth in AUM, alongside improved profitability.
