Operating proposition
The creditor sets the course. ARMS coordinates delivery.
Once an authorised officer defines the action, the matter becomes an operational chain of documents, people, dates, locations and records.
ARMS coordinates that chain across assigned notice service, symbolic possession support, Section 14 documentation, physical possession support, sale assistance and final handover. Statutory powers and legal decisions remain with the secured creditor, authorised officer, Magistrate and duly appointed professionals.
Operating advantage
One mandate. One operating desk. A usable record at every stage.
Single-point accountability
Authorised officers and recovery managers coordinate through a dedicated desk rather than multiple fragmented field contacts.
Statutory timeline discipline
Structured progress tracking between demand notices, symbolic possession, Section 14 court filings, and scheduled sale dates.
Audit-ready evidentiary chain
Geo-tagged photography, formal panchnama, signed acknowledgements and inventory records prepared for statutory scrutiny.
Regulatory conduct and decorum
Strict adherence to RBI Fair Practices guidelines and professional standards, safeguarding the appointing lender’s institutional reputation.
Operating model
Leadership at the centre. Specialist coordination around it.
ARMS combines management oversight, legal liaison, field coordination and assignment reporting while preserving the authority of the secured creditor and its appointed professionals.
Mr. Vikas Agarwal (B.Com., CA Finalist)
17+ years of experienceSenior resolution practitioner leading ARMS across bank and NBFC recovery coordination and secured asset support assignments.
Legal Coordination Network
Section 14 coordinationCoordinates case collation and filing follow-ups directly with the creditor’s appointed advocates before the CJM / CMM / DM courts.
Field Supervision Teams
Supervision & PanchnamaTrained personnel for statutory notice affixation, property inspection, photography, inventory verification, and physical handover under officer direction.
Case Management Desk
Assignment trackingMaintains centralized case dossiers, digital documentation, and real-time status updates for appointing authorized officers.
Execution controls
Control the mandate before the mandate reaches the field.
Authority mapped before mobilisation
The appointment, authorised participants, property details, jurisdiction and expected deliverables are identified before field activity begins.
Exceptions escalated, never improvised
Legal questions, document gaps and field exceptions are returned to the secured creditor and its appointed professionals for direction.
Conduct follows the approved framework
Communication and field activity follow the secured creditor’s instructions and applicable conduct requirements, including relevant RBI directions.
Handover closes the operating loop
Material outcomes and available supporting records are organised around the scope assigned for review and next action.
Operating Scope
Structured field execution under formal authorization.
Our active field network provides rapid response capability, strict protocol adherence, and complete audit-ready documentation for assigned secured assets.
Bank and NBFC recovery assignments are undertaken strictly subject to formal appointment, verified scope of work, and applicable regulatory compliance guidelines.