Debt Acquisition
Distressed Loan Acquisition & Due Diligence
Integro acquires distressed retail loan accounts, personal loans, credit cards, auto loans, commercial vehicles etc. from banks and NBFCs at a discounted price from Banks and AAA rated NBFC’s. Each pool is acquired after a thorough Technology-driven due diligence of loan pools, verifying data, borrower traceability, legal enforceability, geography, etc. Predictive models assess expected resolution rates pool-wise, with best, normal, and worst-case scenarios
The Distressed Debt Challenge for Banks and NBFCs
Initiates a rigorous litigation process against borrowers and guarantors through actions such as issuing legal notices, filing cases under Section 138 of the Negotiable Instruments Act, initiating arbitration, and executing awards across district locations. The entire legal process is tracked in real time through our Legal Workflow Management System (LMS).
Massive Bad Loans
Banks and NBFCs hold over ₹10.87 trillion in bad loans (2020), with retail NPAs alone accounting for nearly ₹4 trillion.Ineffective Legal Recovery
Lenders face costly, time-consuming, and fragmented legal processes, further burdened by a lack of in-house legal expertise.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 is further delayed by customers spread across diverse geographies.Regulatory Gaps
The absence of individual insolvency laws leaves lenders with no clear framework for resolving retail NPAs.What Makes
Us Different
CONTACT
Legal-Tech Hybrid
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.
Feet on Street
200 + Feet on Street trained employees, with real-time monitoring through the Mobile App to serve legal process and counsel borrowers
Tele Counseling
70+ in-house Tele-Counseling team with expertise in Legal process and collection.
Unmatched Reach
Through strategic partnerships with India Post and a 200+ strong field force, we can verify and connect with borrowers across the nation.
Second-Chance Banking
We are pioneers in closing the credit loop. Our mission extends beyond recovery to financial reintegration.