Stop receivables turning into losses, recover the ones that do
We run a continuous Early Warning System on your book and the full statutory recovery machinery beneath it. Banks, NBFCs, and ARCs engage us as their Technology Service Provider for recovery.
Live
0.86DPD 30<
Covenant breach
Guarantor default
Demand 60-day cure
Pending signature
Built for
We act while the account is still standard
We operate your Early Warning System as a live function. The moment a covenant breach, behaviour change, or guarantor default fires, our counsel drafts the instrument and your Authorised Officer signs it.
Live read on every account
Financial and operational covenants, payment-pattern signals, and counterparty health. tested daily, not quarterly.
Demand and invocation, before classification
When a signal fires, our AI drafts the contractual demand letter or guarantee-invocation deed. Your Authorised Officer signs.
Workout inside the cure window
We run the negotiation during the cure period - restructuring terms, payment plans, additional security
We run the full statutory sequence on every NPA
The platform drafts every notice and pleading. Our counsel reviews each one. Your Authorised Officer signs. SARFAESI § 13(2) through possession, auction, and Section 14. summary suits, execution, settlement.
SARFAESI, from demand to auction
The complete secured-creditor sequence on every NPA account: § 13(2) demand, § 13(4) possession, § 13(8) auction, § 14 District Magistrate orders.
DRT, NI-138, and summary suits
For unsecured exposure and contested matters. Our counsel files the application, appears at every hearing, and carries the matter to execution.
Settlement and closure
We negotiate the OTS, draft the board memo, and close the account on Authorised Officer sign-off.
We staff and run the legal operation behind every action
We employ counsel who review and sign, clerks who run procedural compliance, an operations team for despatch and diaries, and senior counsel who appear at tribunal. The whole apparatus runs inside the engagement. You don't procure, brief, or chase.
Counsel who review and sign
Senior lawyers read every material output before it leaves the building. They sign pleadings where the statute requires a Bar Council member. They appear at tribunal when the matter proceeds to hearing.
Clerks for procedural compliance
Legal-process staff handle filing mechanics. They track procedural deadlines, draft compliance affidavits, and clear the documentation gates that void a proceeding when missed.
Operations from despatch to diary
Speed post and registered post despatch. Certificate-of-posting management. Email delivery with logged proof. Court filing, diarising, and procedural follow-up.
Legal representation from senior counsel
When a matter proceeds to hearing, we get senior counsel to represent you. DRT applications, SARFAESI trials, summary suits. We brief them, fund them, and review the work.
Run the platform yourself, or engage with us to operate it
Most recovery technology stops at a dashboard. We deliver the platform two ways: as software your team runs, or as a managed function we run for you. Banks, NBFCs, and ARCs typically pick the managed function.
Software only
The platform sits with your team. You operate it.
- EWS, drafting, statutory checks, calendar, and case management on your team's screens.
- Your officers operate, your counsel reviews, your team files.
- Useful for institutions with a deep in-house recovery bench.
- You engage us as a software licence.
Fully managed
We operate the recovery. Your team sets policy and signs.
- Our counsel reviews every material instrument; our clerks and operations team handle filing, despatch, calendar.
- Your Authorised Officers sign. Your CRO sets policy. Your Board reviews outcome.
- Banks, NBFCs, ARCs, and large corporate creditors pick this by default.
- You engage us as your Technology Service Provider for recovery.
Live early warning on every account
We read your book live. When a flag fires, our counsel picks the right instrument and queues it for your officer: covenant notice, demand letter, guarantee invocation.
Drafting at statutory rigour
We draft notices and pleadings against the statute itself. The platform checks cure-period math, recital requirements, and certificate of posting.
Case management across the whole book
We read your book live. When a flag fires, our counsel picks the right instrument and queues it for your officer: covenant notice, demand letter, guarantee invocation.
Asset visibility on every borrower
We read your book live. When a flag fires, our counsel picks the right instrument and queues it for your officer: covenant notice, demand letter, guarantee invocation.
Portfolio analytics for the board pack
We draft notices and pleadings against the statute itself. The platform checks cure-period math, recital requirements.
Cross book pattern learning
We read your book live. When a flag fires, our counsel picks the right instrument and queues it for your officer: covenant notice, demand letter, guarantee invocation.
We turn the paper book into a live system of records
Most Indian credit books sit half on paper, half across systems no one reads together. We pull every page, every signal, every system of record into one live picture of the whole book. The institutions running ₹1,000 Cr and ₹50,000 Cr exposures read from the same record, at the same scale.
Built on the same statutes the regulator wrote
You engage us as your Technology Service Provider under the RBI Master Direction on Outsourcing of IT Services (2023). We bring in specialist counsel wherever the law requires it. Your Authorised Officer signs every material instrument before it leaves the building.
RBI on outsourcing of IT services 2023
You engage us under that framework. We hold periodic risk reviews, file exit-management plans, and disclose every material outsourcing term.
GDPR
With our technical team based in Sweden, we operate under GDPR — the world's strictest standard for data privacy.
SOC Type-2
We meet SOC 2 requirements to ensure secure and compliant management of data across all our systems.
Move the recovery rate that's been stuck
We've taken a regulated lender's book from 8.5% to 14.2% recovery in eight months without adding headcount.
The first numbers land in the next quarterly Board pack.