Pre-Legal Collections
The earliest and most important stream of activity. Over 70% of our recoveries happen here — before any legal notice is ever drafted. This is the phase where we protect the lender’s relationship with the customer while getting the money back.
Detailed Scope of Work
0–30 DPD Reminder Calls
Friendly, non-confrontational tele-calls to remind the customer of the due amount and offer payment assistance. Tone matters: rude or aggressive calls at this stage destroy customer lifetime value.
30–60 DPD Follow-Up & Field Visits
Slightly firmer follow-ups combined with the first door-to-door visit by a DRA-certified field officer. The visit establishes presence without creating confrontation.
60–90 DPD Soft Recovery
Payment plan structuring and part-payment negotiation. The objective is to bring the customer back into regular EMI status.
90+ DPD Intensive Bucket
Combined call-centre and field pressure. Demand notice drafted but withheld. This is the last stop before legal escalation.
First-Level Settlement Negotiation
If full recovery is not feasible, we negotiate a client-approved settlement with structured payment milestones.
Outcome & Deliverable
Over 70% of our cases close in this stream without ever reaching the legal desk. The remaining 30% enter the investigation and legal streams with a complete paper trail of every call, visit and offer made.
Investigation & Tracing
When a customer has relocated, disconnected phones, or simply disappeared, regular collection channels break down. This stream of activity is what separates a professional agency from an amateur one — our ability to find someone who does not want to be found.
Detailed Scope of Work
Skip Tracing of Absconders
Multi-source location search using mobile footprint analysis, address-history databases, relatives and neighbour enquiries, and social-media investigation.
New-Address & Employment Discovery
Identifying current residence and current employer of a defaulter who has moved since the loan was disbursed.
Asset & Capacity Assessment
Before escalating to legal action, we assess whether the defaulter has the capacity to pay — helping the client decide between legal action, settlement or write-off.
Social & Digital Footprint Checks
LinkedIn, Facebook, Instagram and public records review to triangulate current status and income sources.
Asset Tracing for Enforcement
Identifying bank accounts, property holdings and movable assets that can be attached during enforcement proceedings.
Outcome & Deliverable
A trace report confirming current address, alternate contacts, employment, and asset position — armed with this, the case goes back to call centre, field team, or straight to the legal desk, depending on the recovery strategy.
Verification Services
Pre-sanction field verification is a growing part of our practice — lenders use it to validate loan applications before disbursal. Post-disbursal verification is used to re-establish contact with customers during NPA escalation. Both involve the same discipline: boots on the ground, structured observation, GPS-stamped photographs.
Detailed Scope of Work
Residence Field Verification (RFV)
Physical visit to the stated residence to confirm the applicant actually lives there, gather neighbour references, and observe socio-economic indicators.
Office / Business Place Verification (OV)
Visit to the stated workplace or business to confirm employment / business existence, verify income claim, and photograph the premises.
Tele-Verification (TVR)
Structured tele-calls to the applicant, employer and references to cross-check application details.
Reference Checks
Speaking to the references given by the applicant to validate character, relationship claims and recent contact.
Bulk FV Assignments
SLA-bound turnaround on large batches of verifications for banks running campaigns or NBFCs scaling loan books.
Outcome & Deliverable
A digital FV report with site photographs, GPS coordinates, observations, neighbour / reference inputs and a clear positive / negative / cautious recommendation — delivered within 24–48 hours for regular cases.
Repossession Operations
When all collection channels are exhausted, lawful repossession of the hypothecated asset is the last recovery option. This is a high-risk activity that requires training, discipline and strict procedural compliance — which is exactly what we bring.
Detailed Scope of Work
2W, 4W & CV Repossession
Lawful repossession of 2-wheelers, passenger cars, commercial vehicles and taxis — executed only after due demand notice and non-payment.
Machinery & Equipment Seizure
Repossession of hypothecated machinery, equipment and construction assets from business premises with police coordination where required.
Video-Documented Custody
Every repossession is video-recorded from the moment of seizure through yard handover — creating an unbreakable chain of custody.
Secure Yard Storage
24-hour CCTV-monitored yards with insurance cover during the custody period.
Professional Valuation
Independent valuation by empanelled valuers before auction — protecting the lender from any “under-valuation” allegations later.
Auction & Re-Sale Support
End-to-end auction support including advertising, bidder registration, and closing documentation.
Outcome & Deliverable
Asset in secure custody within 24–48 hours, full video and photographic evidence, valuation certificate, and auction support that closes the loan account cleanly.
Legal Proceedings
Our in-house legal desk handles everything from pre-litigation demand notices to complex SARFAESI and DRT matters. Having the legal team in-house means no delays between field updates and legal action — everything moves on one timeline.
Detailed Scope of Work
Demand & Legal Notices
Drafting, review and delivery of legal demand notices through registered post / courier with acknowledgement tracking.
Section 138 NI Act Filings
End-to-end handling of cheque-bounce cases — from notice under Sec 138 to complaint filing, prosecution and sentencing support.
SARFAESI Act Actions
Sec 13(2) demand notice, Sec 13(4) possession, symbolic possession, physical possession, and sale of secured assets.
DRT & DRAT Matters
Original applications, interlocutory applications, execution, and appeals before Debts Recovery Tribunals.
Civil Recovery & Arbitration
Money suits under Order XXXVII CPC, arbitration petitions and enforcement of arbitral awards.
Execution Petitions
Post-decree execution including attachment and sale of movable / immovable property.
Outcome & Deliverable
A filed case, clear escalation calendar, periodic status updates to the client, and eventual judgement / settlement / decree. All case papers are archived digitally for easy retrieval during audits.
Reporting & Compliance
The final stream of activity that ties everything together — if we cannot prove what we did, we did not do it. Our compliance and MIS team is a separate unit that audits every other team, not a side-function of operations.
Detailed Scope of Work
Daily / Weekly / Monthly MIS
Client-tailored dashboards showing case-level status, bucket movement, PTP pipeline, recovery numbers and cost-to-collect metrics.
Visit Logs & GPS Evidence
Every field visit logged with GPS coordinates, timestamp, agent name and customer signature — searchable for audits.
RBI / FPC Compliance Audits
Monthly internal audits of call recordings and field visits against RBI Fair Practices Code and client-specific policies.
Case Closure Documentation
At the end of each case, a closure report with full chronology, all actions taken, and the final outcome — handed over to the client for archival.
Grievance Redressal Tracking
Documented complaints log with root-cause analysis and resolution timeline. Any complaint triggers an immediate recording audit.
Monthly Performance Review
Formal monthly meetings with client stakeholders to review KPIs, discuss portfolio trends and plan the next month.
Outcome & Deliverable
Complete auditability. Our clients can reconstruct any case — from first call to final closure — on demand, in under 10 minutes. That is what compliance at scale looks like.