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."
India's Debt Resolution Problem
India’s financial system is burdened by an NPA crisis amounting to over ₹10.87 trillion, which includes a retail NPA of over ₹4 trillion. This crisis creates a vicious cycle.
For Lenders
Legal enforcement is slow, fragmented, and geographically dispersed, with high operational costs and limited internal expertise.
For Borrowers
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
Irreplicable Legal-Tech Stack
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.
Strategic Alliances
We have built an ecosystem of powerful partners, including a pan-India law firm, India Post, and Military2Corp, which cannot be easily duplicated.
Central Government Recognition
Our innovative approach is recognized by the Government of India. Integro is a DPIIT-Recognized Startup and a RBI Licensed NBFC.
Our Leadership
K.P. Sreejith
Founder & CEO
Jaspal Ahluwalia
Director, Operations
Deepthi Sreejith
Director, Finance
Prem Nair
COO
Barun Chandran
CTO
Sooraj Mohan M
National Head, Debt Resolution
Our Purpose & Direction
Our Mission
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."
Our Vision
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 and restore borrowers’ financial dignity.
"Setting new standards of efficiency, integrity, and social impact in the financial landscape."
Industry Recognition & Credibility
Credit Rating by CARE
Integro has been awarded CARE BB- Stable, in just three years of its operations.
DPIIT-Recognized Startup
Recognized for its innovation and social impact and is 80-IAC Certified, which grants us a 100% income tax exemption for three years.
Rebuilding credit.
Restoring dignity.
Join us in transforming the landscape of retail stressed-loan resolution in India. Begin your journey toward credit transformation today.