Collections Capabilities — 11 Modules

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PIN Code Partners

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Assign the loan account to the Field Officer (FOS) who is closest to the customer's location, ensuring efficient proximity-based management. Allocate accounts to resources available within the respective pin code areas to optimize coverage. Additionally, arrange visits to any new address provided by the customer or updated by the skip tracing team, ensuring all leads are thoroughly followed up.

Nearest FOS, every pin codeInterstate, interdistrict and skip-traced addresses covered

Collect / Deposit & online BRS

Digital Payments

Receipting that works online and offline, with bank reconciliation fully automated.

Payments

Digital Receipting
Receipting in offline mode
Track delay in deposition / rotation of cash

Auto Reconciliation

BRS has been fully automated for all the payments of the organization
Reconciliation of the proof of the payment collected by the FOS is just a click away

Receipting & BRS

UPI · Google PayReconciled live

Matched

Field receipt — offlineSynced on reconnect

Queued

Cash deposition delayRotation tracked per FOS

Flagged

Bank reconciliationAutomated for all payments

Closed

Geo Location

Enjoy real-time, live tracking with instant updates!

Every visit mapped, every route remembered — so a new joiner picks up exactly where the last officer left off.

Live Tracking
Retrieve the History
Automate the route map
New joiners no need to worry, this module will lead you to the address of the customer, which was visited by your predecessor
FOS can plan and accordingly prioritize the visits

Live route — field officer

Visit 1 · 09:20Customer address — verified

Done

Visit 2 · 11:05New address from skip tracing

En route

Visit 3 · 14:40PTP follow-up — prioritised

Planned

Settlement & Closure

ML driven, Board approved waiver matrix specific to Loan Product and Bucket is applied.

Waiver & Settlement

Entire process of waiver and settlement is automated
Settlement letter for approved accounts are sent automatically, along with the payment links
Integration with CIBIL for instant update

Online Settlement / Closure

Online settlement and closure without human intervention in fully automated environment
100% adherence to the Board approved Settlement / Closure waiver matrix

Waiver matrix — auto decision

Bucket 4 Personal Loan Written-off

ML recommendationWithin Board-approved grid

Approved

Settlement letterSent with payment link

Auto

CIBIL updateInstant on realisation

Queued

Repossession

Fully digitized repossession, end to end

Fully Digitized the repo module for Housing Loan, Commercial Vehicle Loan, LAP, Two Wheeler Loan, Car Loan, Plant & Machinery etc.

First of its kind that the entire repo process from repo approval to issuance of the repo kit, to Pre & the post intimation to Inventory to parking of the vehicle in the yard to part payment release has been digitized
Automatically process the invoice of the repossession agency strictly as per preapproved repo charges grid
Assign the repossession activity to the nearest available repossession agent, whether interstate, interdistrict, or across multiple states. Track the validity and any cancellations of the repossession kit online
Complete Audit trail for internal and the external Audit team
Track, approve or reject the auction eligibility request

Campaign Management

Maximize engagement, optimize results

Run multichannel campaigns in the language your customer actually reads.

Multichannel campaigns in vernacular language
Effortlessly run multichannel campaign viz WhatsApp, email, text message
Real time campaign dashboard for insights, tracking and corrective steps

Campaign dashboard

WhatsApp Email SMS हिंदी தமிழ் తెలుగు

Pre-due reminderVernacular · multichannel

Delivered

Cheque bounce intimationBlue tick tracked

Read

Real time insightsCorrective steps suggested

Live

Legal

Track and manage legal cases, centralised or decentralised

Track and manage the legal cases by centralizing or decentralizing the workflow as per the requirement of the organization.

Access to the local lawyers for updating and tracking the cases of any loan products
Send and track the legal communication in vernacular language in automated environment
No need to do manual mail merge, no need to attach the document separately in each mail
Upload the template, email or WhatsApp lakhs of dunning letters, Notices, reminders overnight
Live tracking of notices sent by WhatsApp, summary report of delivery status, blue tick etc
Auto reminders to the lawyer & the legal Manager before the date of hearing
Upload all the documents related to the case filed in the court
Track the legal case at every stage through the lawyer who is handling the case

Case tracker

Sec. 138 — filingDocuments uploaded to case file

Filed

Next hearingAuto reminder to lawyer & legal manager

T-3 days

Dunning noticesOvernight bulk dispatch, vernacular

Delivered

Delivery statusWhatsApp blue tick captured

Audited

Data Visualization

Numerous algorithms put life to multiple layers of the cluttered information

Strategic Dashboard

PAR (Portfolio at Risk) forecast across hierarchy, to avoid additional provisioning
Automatically predicts the flow forward for case specific approach
Product wise / bucket wise live dashboard for monitoring Credit Loss
Devise roll back strategy for any product / bucket
Early warning signal for critical execution
Contributes in adding to the bottom line of the organization
Detection of fraud, enhancing the compliance and adherence of the process is made easy
ML models seamlessly categorise the portfolios for effective planning and execution

Performance Dashboard

Roll Back, Roll Forward, Stabilisation, Normalisation (Roll Rates) are live for all the loan products
Tele-caller / FOS performance report
PTP: Payment Collected vs Broken PTP MIS
Milestone Target vs Achievement
Recovery from Written-off accounts vs Achievement
POS release MIS
Collections from matured cases / Collections from Charges
Reports are fully automated from Field staff to CXO

Allocation

Optimize resource allocation with real-time insights

Streamlined team management from the first pre-due call to the last field visit.

Tele-calling

Tele-Calling: Manage tele-calling campaign, be it legal counselling, cheque bounce intimation, pre due call etc
Related Info: Get the insight of past feedback, overdue, asset, loan details etc for effective calling
New info comes handy for effective counselling and calling
Calls Review / Visit Review: Round the clock the supervisor can review the performance of the team
Paid File: Any mode of digital payment either from Google Pay, Phonepe, PayTm etc is reconciled live
Escalation: Proactively resolve the service issues raised by the customer at the initial stage itself and add value to the brand image of your organisation
Holiday Management: State specific holidays to schedule the visits, calls and meetings

Field Follow-up

Mobile App available in vernacular language
Update the feedback live, attach the photographs
Auto allocate pick-ups, PTP for field follow-up
3rd party details who has the vehicle can be updated for future follow-up
Raise receipt in offline mode
Update the details of the PDC collected for future EMI or PDC collected towards settlement in tranches

Allocation engine

Tele-calling queuePre-due · legal counselling

Assigned

Field pick-upsAuto allocated by pin code

Auto

Holiday calendarState specific scheduling

Applied

Paid fileUPI reconciled live

Matched

Valuation of the Asset

Valuation is just a click away

Valuation of the movable asset, immovable asset, plant & machinery is just a click away.

On board empaneled valuer even in Tier - 2 and above cities
Track the movement of the valuer to the spot of the asset
Auto reminder of the validity of the valuation report
Upload document, photographs directly in the server

Valuation workflow

Immovable Plant & machinery Movable

Empanelled valuerTier-2 city coverage

On board

Valuer movementTracked to the spot of the asset

En route

Report validityAuto reminder before expiry

Valid

FI, PDFI & TVR

Digitised Field Investigation and Tele Verification

Onboard agencies down to the taluka, and verify before and after delivery.

Onboard FI agencies in talukas also
Conduct Tele verification for office & Residence
Conduct Post-delivery FI of the asset

FI & TVR

Residence verificationPhotographs uploaded live

Positive

Tele verification — officeTVR recorded