Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Enforcement and Appeals

Q10: Asset Reconstruction Companies (ARCs) play a vital role in the ecosystem of bad loan management. Which of the following statements correctly describe their regulatory status and functions?

1. ARCs must be registered with and are regulated by the Reserve Bank of India (RBI).
2. For the purpose of raising funds to acquire financial assets, ARCs can issue "Security Receipts" to qualified buyers.
A
1 only
B
2 only
C
Both 1 and 2
D
Neither 1 nor 2
✅ Correct Answer: C
Section 3 of the SARFAESI Act requires ARCs to register with the RBI.
Furthermore, under Section 7, ARCs can raise funds by issuing Security Receipts (SRs) to Qualified Buyers (QIBs), which represent an undivided right or interest in the financial asset being acquired.