Orchestrated by AI. Resolved at Scale.
Maximize recovery rates and minimize cost-to-collect with a unified debt recovery platform — synchronizing Settlement, Repossession & Auction into a single intelligence engine that drives every account from first missed payment to final settlement.
Higher recovery rates through multi-channel debt recovery persistence.
Increase in Early Bucket Collection — reduce delinquencies faster
Lower cost-to-collect — early NPA cases resolved via digital-only channels
End-to-end settlement workflow — from initiation to e-OTS.
mCollect’s built-in settlement module streamlines the full OTS (One-Time Settlement) workflow — from field executive initiation through configurable approval hierarchies to final payment collection and documentation. Every settlement is compliant, tracked, and audit-ready.
Initiation
Field executive or Collection Manager initiates a settlement request on-app, capturing all required account and waiver details at the point of contact.
Configurable Approval Engine
Rule-based approval routing adapts to your matrix hierarchy — approval can be routed via individual hierarchy, committee structure, or multi-level matrix across internal teams and third-party agencies.
Automated Settlement Workflow
Automated workflow triggers based on waiver amount, waiver percentage, and product type — covering customer account settlement requests, penal waiver requests, settlement letter generation, and consumer acknowledgment.
Payment Collection & e-OTS
UPI, QR codes, and virtual accounts enable instant payment collection during the settlement process. Digital One-Time Settlement (e-OTS) confirmation closes the case — proceeds settle directly into your CBS in real time.
Scale your recovery operations without scaling your risk.
When a case escalates beyond digital nudges and telecalling, the recovery burden multiplies fast. One missed settlement window can cost institutions months of recovery time. mCollect eliminates that risk entirely, with every recovery action — settlement, repossession & auction.
Debt Recovery Reimagined
mCollect combines advanced technology, regulatory compliance, and strategic process automation to deliver industry-leading debt recovery solutions designed for Indian banks and NBFCs
End-to-End Asset Recovery Suite
Digitized workflows for movable assets (vehicles, equipment) and immovable assets (property). Automated valuation, yard management, and auction integration accelerate recovery and maximize asset value realization.
Reduced Risk & Optimized Costs
Automation eliminates paper-based inefficiencies, reducing manual errors and turnaround time. Configurable workflows and process accountability lower cost-to-collect while minimizing operational risk across recovery stages.
Empathic Recovery Without Compromise
Balance aggressive recovery with customer-centric approach. Process-driven workflows ensure ethical practices, regulatory adherence, and customer empathy—recovering dues while preserving brand reputation and customer sentiment.
End-to-end repossession from bank instruction to yard handover.
mCollect’s repossession module digitises the complete asset recovery workflow — ensuring compliance, speed, and full audit trails for both movable and immovable assets. Real-time agency collaboration and maker-checker validation eliminate the opacity and fraud risk of traditional repossession processes.
Digital Repossession Kit
”End-to-end process automation from bank instruction to yard — replacing paper-based documentation with a faster, efficient digital repo kit that reduces errors and turnaround time.”
Repo Agency Real-Time Collaboration
”Field repossession agencies collaborate in real time on the platform — with live status updates, document uploads, and geo-verified confirmations at every handover point.”
Yard Management with Maker-Checker Validation
”Yard receipt, asset logging, and condition documentation are governed by a mandatory maker-checker approval workflow — ensuring accuracy and preventing unauthorised releases.”
Centralised Automated Valuation
”Once assets reach the yard, the automated valuation process calculates reserve prices for both movable assets (vehicles, equipment) and immovable assets (property) — feeding directly into the auction workflow.”
Release and Surrender Process Workflow
”Borrower redemption, asset surrender, and compliance-checked release workflows are fully tracked — with debt recovery tribunal-ready documentation generated at every step for both SARFAESI and non-SARFAESI cases.”
Create case pools. Publish to auction portals. Reconcile — all in one platform.
Once assets are repossessed and valued, mCollect’s integrated auction module manages the complete bid-to-reconciliation cycle. Case pools are created and published to empanelled auction portals, bids are evaluated through a configurable approval workflow, and settlement proceeds are reconciled — all within the same platform managing your entire recovery portfolio.
Transform your Debt Recovery Management. See the debt recovery platform in action.
See why top-tier banks and NBFCs trust mCollect to manage their most sensitive debt recovery portfolios — from pre-delinquency nudges to loan settlement, legal escalation, and asset recovery.