Debt Acquisition
Distressed Loan Acquisition & Due Diligence
Integro acquires stressed retail assets (secured, unsecured, credit cards, auto loans, commercial vehicles, MSME loans etc.) directly or co-invest along with other ARCs. Participate in co-partnership pricing. Technology driven diligence frameworks, identifying cases with recovery potential, and predictive models assessment scenarios under different default, haircut, and recovery scenarios.
The Distressed Debt Challenge for Banks and NBFCs
India faces massive and highly fragmented retail NPAs and stressed assets. Managed by highly manual and disjointed recovery processes. Furthermore, the debt resolution process is rendered ineffective through manual workflows and lack of systemic monitoring.
Massive Bad Loans
Banks and NBFCs face over ₹1.5 Lakh Crore on retail loans (2022), with retail write-offs accounting for nearly 60 billion.
Ineffective Legal Recovery
Recovery is slow, costly, and fragmented. Fragmented legal processes, further burdened by a lack of tracking, lag perspective.
Fragmented Legal Oversight
Most ARCs focus on large corporate NPAs, leaving the vast retail unsecured market largely unaddressed.
Operational Legal Hurdles
Banks struggle with limited control over legal timelines, enforcement handles destroyed by customer's spread across diverse geographies.
Regulatory Gaps
The absence of individual insolvency laws leaves creditors with no clear framework for resolving retail NPAs.
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.
Rebuilding credit.
Restoring dignity.
Begin your
Credit Transformation