A dual-engine operational model designed to bridge high-volume retail soft collections with resolute statutory judicial enforcement.
High-capacity telecalling combined with geofenced on-ground verification for early delinquency, roll-back, and hard write-off portfolios.
Automated dialer delivering 120–150 dials per desk daily. The system enforces a mandatory 10:00 AM PTP Priority Lock-in, preventing callers from cherry-picking until morning commitments are liquidated.
When borrowers abscond or disconnect, our skip-tracing team systematically traces co-borrowers, secondary references, employer corporate directories, and fresh credit bureau inquiries to re-establish contact.
Field executives (FOS) log visits via our mobile application. Check-ins are strictly geofenced within 100 meters of the debtor's registered coordinates with mandatory real-time camera capture (anti-gallery lock).
Institutional litigation, magistrate court orders, and law enforcement liaisoning to maximize recovery on secured loans and willful defaults.
Drafting and speed-post tracking of statutory Section 13(2) Demand Notices, execution of Section 13(4) symbolic possession panchnamas, state newspaper publications, and inventory listings.
Filing institutional petitions before District Magistrates and Chief Metropolitan Magistrates. Direct follow-up for appointment of Advocate Commissioners and Court Receivers.
Active liaisoning with local ACP/SHO offices for police force requisitioning, perimeter securing, physical eviction, lock-and-seal execution, and formal handover to Bank Authorized Officers.
Cheque bounces and NACH mandate failures receive rapid trial court follow-ups. Our legal team extracts bailable and Non-Bailable Warrants (NBW) from trial courts and coordinates physical execution with local police summon cells.
15–20 Confirmed Executions per CycleInstitutional preparation and representation across Pre-Litigation National and State Lok Adalats, extracting legally binding consent decrees that carry the weight of a civil court decree.
Zero Administrative DelayTailored resolution strategies mapped strictly to portfolio risk and asset security tiers.
| Asset Category | Delinquency Stages | Primary Tactical Resolution | Statutory Backing |
|---|---|---|---|
| Personal Loans (Unsecured PL) | Bucket 2 to Hard Write-Off | 10:00 AM PTP priority calling, skip-tracing, salary account verification | Sec 25 PSSA NACH Summons |
| Two-Wheeler & Auto Loans | B3–B5 Roll-back & Yard Seizure | Vehicle spot tracking, yard handover, doorstep OTS token payment | Surrender Letter & Hypothecation |
| Credit Cards (Revolving Debt) | Hard Write-off & Lost Cards | Skip-tracing, employer payroll verification, settlement concession slabs | CIBIL / Experian Intimation |
| MSME & Business Loans | High-Ticket Defaults (>₹5L) | Supervisor second-voice takeovers, business premise geofence audit | Sec 138 NI Act Cheque Bounce |
| Secured Mortgages & Property | NPA Accounts (>90 DPD) | Complete statutory legal filing and administrative commissioner coordination | SARFAESI Sec 13(2), 13(4), Sec 14 DM |