Our Services

Comprehensive asset recovery and banking support solutions

Secured Loan Recovery

Professional recovery of loans backed by collateral

Secured Loan Recovery Process

Overview

Our secured loan recovery services focus on systematic and compliant recovery of loans backed by collateral such as property, machinery, or other assets. We follow RBI guidelines while working to maximize recovery for banking institutions.

Key Features

  • Collateral assessment and valuation support
  • Settlement negotiation and documentation
  • Possession management as per SARFAESI guidelines
  • Auction coordination and buyer identification
  • Post-recovery documentation and reporting

Process Methodology

1

Account Analysis

Detailed review of loan documents, collateral status, and recovery history

2

Customer Engagement

Professional communication for settlement options and payment plans

3

Collateral Management

Physical verification, valuation, and preservation of secured assets

4

Legal Coordination

SARFAESI notice issuance and coordination with legal teams

Unsecured Loan Recovery

Systematic recovery of personal and business loans without collateral

Unsecured Loan Recovery Services

Overview

Our unsecured loan recovery services employ ethical collection practices while maintaining customer dignity. We focus on communication, negotiation, and structured settlement plans for personal loans, credit cards, and business loans.

Key Features

  • Ethical collection practices per RBI guidelines
  • Structured settlement and payment plans
  • Skip tracing and customer location services
  • Regular reporting and account status updates
  • Legal notice coordination where required

Compliance Focus

All recovery activities strictly follow RBI's Fair Practices Code with emphasis on:

Customer Dignity

Respectful communication and interaction protocols

Timing Restrictions

Adherence to prescribed calling hours and visit schedules

Documentation

Complete audit trail of all recovery interactions

Field Collection Services

On-ground collection teams with regional expertise

Field Collection Team

Overview

Our trained field collection teams operate across Kerala and Tamil Nadu with local language capability and regional understanding. All field personnel undergo thorough verification and training in compliant recovery practices.

Team Structure

Field Supervisors

Experienced supervisors managing field teams and ensuring compliance

Verified Agents

Background-verified field agents with identity cards and training certification

Support Staff

Back-office support for documentation, reporting, and coordination

Regional Coverage

Kerala

Teams covering all 14 districts with Malayalam language capability

Tamil Nadu

Teams covering major cities and rural areas with Tamil language capability

NPA & SMA Management

Specialized handling of Non-Performing Assets and Special Mention Accounts

NPA Management Analytics

Overview

Comprehensive management of NPA and SMA accounts with specialized strategies for different asset classifications. We provide early warning monitoring and proactive recovery interventions.

Service Components

Early Warning Monitoring

Identification of accounts showing early signs of stress for proactive intervention

Restructuring Support

Assistance in evaluating restructuring proposals and viability assessment

Health Checks

Regular assessment of asset quality and recovery potential

Customized Recovery Solutions

Contact us to discuss tailored asset recovery services for your banking institution

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