About Us
Legal-Tech
Driven Stressed
Asset Resolution
Integro Finserv Pvt. Ltd. is a Non-Banking Finance Company (NBFC) licensed by the Reserve Bank of India (RBI License No: N-13.02398), specializing in acquiring stressed retail loan portfolios from banks and AAA rated NBFCs at discounted values and resolving them through a unique Legal-Tech-driven process.
We also provide fresh loans to borrowers who have fully repaid their existing dues—helping them rejoin the formal banking system with restored credit scores and renewed financial dignity. Over the past three years, Integro has been redefining retail NPA resolution in India’s over ₹4 trillion market, combining legal strategy, advanced analytics, and on-ground execution into one powerful ecosystem.
We rebuild credit access while ensuring fair recovery. We are not a traditional debt collection agency; we are a purpose-driven organization transforming the way distressed debt is resolved in India.
The Challenge: A System
in Crisis
India’s financial system is burdened by NPA crisis amounting to over ₹10.87
trillion which includes retail NPA of over ₹ 4 Trillion. This crisis creates a
vicious cycle.
Legal enforcement is slow, fragmented, and geographically dispersed, with high operational costs and limited internal expertise.
A single default can lead to permanent financial scars. Even after repayment, individuals are often labeled “high-risk,” locking them out of the formal credit system and pushing them towards predatory lenders.
Our Uniquely Defensible Model
Our proprietary technology, integrated with AI and analytics, is deployed across a managed network of 400+ lawyers. This fusion of legal strategy and technology at scale is our core strength.
We have built an ecosystem of powerful partners, including a pan-India law firm, India Post, and Military2Corp, which cannot be easily duplicated.
Our innovative approach is recognized by the Government of India. Integro is a DPIIT-Recognized Startup with Tax Exemption
Our Leadership & Professionals
Milestones That Define
Our Growth
From incorporation to becoming a trusted RBI-licensed NBFC, our journey reflects disciplined growth, strategic acquisitions, and a steadfast commitment to resolving stressed assets at scale. Along the way, we have leveraged technology, analytics, and on-ground expertise to restore borrower trust and drive sustainable financial inclusion.
Incorporated
Obtained RBI License
Acquired ₹604.91 Cr NPA
Acquired ₹605.51 Cr NPA
Acquired ₹296.98 Cr NPA
Acquired ₹476 Cr NPA
Acquired ₹88 Cr NPA
₹100 Cr in Collections
Our Purpose & Direction
To revolutionize retail stressed-loan resolution in India through a litigation-focused, technology-driven model that integrates advanced analytics, legal innovation, operational excellence, and personalized counseling—maximizing recoveries, rebuilding trust, ensuring fairness, and reintegrating customers into the formal financial ecosystem through innovative, fresh loans.
To be India’s most trusted and transformative leader in retail debt resolution—harnessing scalable legal networks, AI-powered analytics, and inclusive refinancing to revive distressed credit, restore borrowers’ financial dignity, and set new standards of efficiency, integrity, and social impact.
Industry Recognition & Credibility
Credit Rating by CARE
Integro has been awarded CARE BB- Stable, in just three years of its operations
DPIIT-Recognized Startup
DPIIT-Recognized Startup for its innovation and social impact and is 80-IAC Certified, which grants us a 100% income tax exemption for three years. This reinforces our credibility and validates our unique, socially driven model.
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
We purchase distressed retail loan portfolios from leading banks and NBFCs at a deep discount after extensive data-driven due diligence.
Resolve
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
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.
