Empowering Lenders to Maximize Debt Recovery
Last mile legal enforcement through AI-enabled Legal-tech and unmatched lawyer network in 400+ districts, ensuring highest NPA recovery performance
Faster Debt Recovery
Reduce Revenue Loss
Increase Profitability
Ensure Compliance
Debt resolution is operationally complex at scale.
Managing it manually is no longer enough.
Banks and NBFCs manage thousands of overdue accounts across different loan products, borrower profiles, geographies, languages, agencies, and recovery stages. Traditional recovery operations often depend on disconnected spreadsheets, manual follow-ups, call centre updates, field team reports, and delayed MIS reviews. This creates gaps in visibility, prioritization, borrower communication, settlement approvals, legal follow-up, and recovery performance.
Fragmented Recovery Operations
Recovery actions are often spread across multiple teams, branches, agencies, spreadsheets, and systems, making it difficult to track the complete account journey.
Weak Account Prioritization
Teams may not always know which accounts need immediate action, which borrowers are likely to pay, and which cases require field, settlement, or legal intervention.
Low Borrower Engagement
Generic follow-ups reduce response rates. Borrowers need structured, timely, language-aware, and resolution-focused communication.
Limited Field Visibility
Field visits, borrower interactions, payment commitments, and agent performance are difficult to monitor without real-time tracking.
Slow Settlement Decisions
Settlement and restructuring workflows often involve manual reviews, delayed approvals, and limited visibility into negotiation history.
Compliance and Audit Gaps
Every recovery action should be traceable, policy-aligned, and audit-ready. Manual processes make this difficult at scale.
"Integro helps lenders convert fragmented recovery operations into a structured, intelligent, and measurable resolution engine."
Integro offers AI and Legal Powered Debt Resolution for Financial Institutions
The result is faster recoveries, lower costs, higher operational efficiency, and significantly improved ROI on distressed debt portfolios.
We're not just modernising debt recovery — we're building the future operating system for Legal & AI-powered financial collections and legal enforcement.
Unique 3-Step
Model
Our three-step, closed-loop model combines smart acquisition, technology-driven legal resolution, and responsible relending to maximize recoveries, ensure compliance, and reintegrate borrowers into India’s formal credit system.
Acquire
Portfolio Purchase & Due Diligence
We purchase distressed retail loan portfolios from leading banks and NBFCs at a deep discount after extensive data-driven due diligence.
Resolve
Legal-Tech Resolution Engine
We leverage a proprietary Legal-Tech process that integrates litigation, analytics, and field operations to achieve industry-leading recovery rates with full transparency and compliance.
Lend
Responsible Re-financing
We close the credit loop by offering fresh loans to rehabilitated borrowers—helping them rebuild credit access and re-enter formal banking with improved credit scores.
What Makes
Us Different
Our process is not driven by traditional debt collectors, but by a powerful combination of a 400+ district lawyer network and an AI-driven case management platform.
200 + Feet on Street trained employees, with real-time monitoring through the Mobile App to serve legal process and counsel borrowers
70+ in-house Tele-Counseling team with expertise in Legal process and collection.
Through strategic partnerships with India Post and a 200+ strong field force, we can verify and connect with borrowers across the nation.
We are pioneers in closing the credit loop. Our mission extends beyond recovery to financial reintegration.
Our Impact in Numbers
A snapshot of Integro’s operational scale, portfolio strength, and proven recovery capabilities in India’s retail NPA market.
One platform for the complete debt resolution lifecycle
Integro is designed as a unified operating system for overdue, NPA, legal enforcement, and recovery management. It helps financial institutions identify high-priority accounts, recommend suitable recovery paths, automate borrower communication through AI agents, allocate cases to internal or external teams, track field actions, manage settlement workflows, monitor legal escalation, support NPA recovery, and measure recovery performance in real time. The platform brings together AI, automation, workflow governance, legal enforcement support, and market-ready recovery operations to help lenders improve recoveries while maintaining transparency, consistency, and borrower dignity.