0–30 DPD Automated
Digital Collections & Automated Outreach
A centralized case opens immediately on a missed EMI and follows pre-configured omnichannel engagement cadences based on borrower risk tier.
Integrated lifecycle
Banks, NBFCs & consumer lendersBuilt on ServiceNow FSO & FSM
Stop overdue loans from turning into NPAs.
Intellivate's Collections & Legal solution acts on every overdue account from the very first missed EMI. Digital collections, mobile field recovery with GPS check-in, and automated SARFAESI / DRT legal escalation run on a single unified record — recovering more capital early while staying fully compliant with RBI fair-practice standards.
The root causes of bad-debt slippage
The operational friction lenders face every quarter
When debt recovery is siloed across disparate agencies, spreadsheets, and emails, accounts cross the 90-day threshold before intervention begins.
01
Recovery Runs on Fragmented Spreadsheets
No single view of who owes what, in which DPD bucket, or what repayment was promised. Accounts silently slip past cure windows and turn into NPAs unnoticed.
Zero auditability & delayed cure
02
Operational Handoffs Leak Time & Cash
Tele-calling agencies, mobile field agents, and internal legal teams work in isolated software. Every handover is an email trail, and every email delays recovery.
High agency friction & dispute loss
03
Compliance & Fair Practices Hard to Prove
RBI fair-practice code, permissible contact hours, and grievance escalations must be rigorously evidenced. Yet spreadsheet methods leave zero auditable proof.
Regulatory censure & compliance risk
Unified recovery pipeline
One connected operational engine across every stage
Replacing disconnected spreadsheets with an automated, auditable ServiceNow CRM lifecycle.
Offline-First Mobile
Field Recovery Mobile App
Agents visit borrowers with a secure mobile app: GPS geo-check-in, geo-tagged photo capture, digital promise-to-pay (PTP), and instant receipts.
Integrated lifecycle
Statutory Workflows
Automated SARFAESI & Legal Escalation
Accounts breaching 90+ DPD move automatically into legal workflows with full debt history attached — driving SARFAESI 13(2) notices, 13(4) possession, or DRT filings.
Integrated lifecycle
Fair Practice Guardrails
RBI Compliance & Grievance Lock
A borrower grievance lodged at any point pauses DPD aging and freezes field activities. Every contact, call recording, and visit is time-stamped for audit.
Integrated lifecycle
Automated delinquency transition matrix
DPD buckets dynamically drive the recovery strategy
Accounts systematically shift to escalating intervention protocols based on real-time Days Past Due (DPD) aging without manual intervention.
DPD bucket
Delinquency stage
Automated strategy & enforcement
System output
0–29 DPD
Soft Stage
Omnichannel reminders, automated WhatsApp & SMS cadences, digital payment links, interactive IVR calling.
Digital Prompt
30–59 DPD
Early Stage
Systematic tele-calling follow-up, inbound/outbound call queues, selective field visit dispatch for non-responsive borrowers.
Tele-Call & Field Dispatch
60–89 DPD
Mid Stage
Intensive recovery interventions, authorized agency assignment, supervisor escalation, loan restructuring negotiations.
Agency Escalation
90+ DPD
Hard / NPA
Formal legal escalation, SARFAESI Section 13(2) demand notice generation, Section 13(4) possession workflows, DRT filing.
Statutory Notice Issued
180+ DPD
Loss Asset
One-Time Settlement (OTS) matrix approval, asset auction tracking, ARC assignment, board-governed debt write-off protocol.
OTS / Recovery Suit
Built-in regulatory & operational guardrails
Configured according to Reserve Bank of India (RBI) Fair Practices Code for Lenders
SLA clocks with automated early warnings at 80% threshold and supervisor escalation on breach
Permissible visit-hour boundaries (08:00 to 19:00) and strict no-coercion conduct rules enforced via mobile app
Dedicated vehicle loan accident track that halts repossession workflows while an active insurance claim is open
Role-based operational dashboards for contact centre agents, field executives, dispatchers, legal counsel, and CXOs
Quantifiable portfolio improvements
What modern collections deliver
Industry benchmarks based on deployed enterprise lending portfolios.
20–25%
Reduction in Non-Performing Loans
Through real-time cure interventions in the 0–30 DPD window before accounts slip
15%+
Lower Cost of Collections
By automating soft-stage notifications and eliminating third-party agency leakage
20%
Higher Cash Collections
Via mobile-first field recovery with geo-verified payment promises and instant receipts