Recovery your auditors will approve of.
KVJ Agile Care runs audited, RBI-aligned collections for banks, NBFCs and fintech lenders — with native-speaker teams across southern and northern India, from one accountable partner.
Until now, lenders picked their poison
Every collections decision has been a trade-off between recovery, brand safety and reach. All three options quietly cost you.
The aggressive local agency
Recovers — until a screenshot of one bad call reaches your regulator or your CEO's inbox. The recovery was never worth the brand.
The cautious in-house team
Safe, but expensive at scale and thin past your home market. Roll rates climb while hiring lags every portfolio expansion.
The language-blind national player
Covers the map on paper. But a Hindi script read at a Telugu borrower doesn't cure accounts — it generates complaints.
The trade-off is artificial. Discipline, language depth and scale can live in one operation — if it's built that way from day one.
Built so risk teams say yes
Three things we refuse to compromise — they're why mandates come to us and stay.
Audit-grade operations
100% call recording, daily QA sampling against a conduct rubric, RBI-aligned scripts and a named grievance officer. Evidence, not assurances.
Native-language recovery, north & south
Telugu, Tamil, Kannada and Hindi-belt fluency under one roof. Borrowers hear their own language — recovery rates and brand safety both rise.
Trained, certified, accountable
Every agent clears conduct certification before touching a live account, recertifies periodically, and works under enforced calling policy — not memory.
Every bucket. One accountable team.
From the reminder before the due date to late-bucket resolution — coordinated, logged and reportable end to end.
One partner. Every belt of India.
Headquartered in Hyderabad, fluent far beyond it. Native-speaker teams cover the southern languages most agencies can't staff and the Hindi belt national players default to — so one mandate covers your whole book.
తెలుగుहिन्दीதமிழ்ಕನ್ನಡमराठीবাংলাമലയാളംગુજરાતીਪੰਜਾਬੀEnglish
Evidence, not adjectives
The metrics heads of collections actually ask us about. Bracketed figures are being finalised for publication.
SLA adherence · this quarter
94.2%
Calls QA-scored
100%
Conduct flags
0 open
Illustrative reporting view — every client gets live SLA and conduct dashboards.
From snapshot to scale, on evidence
A bounded, low-risk path — your compliance team signs off first.
Portfolio review
We analyse a snapshot of your book — segments, buckets, language mix — and agree on a realistic recovery target.
Script sign-off
Your risk and compliance teams approve every script, disclosure and calling window before a single dial.
Pilot tranche
A bounded tranche goes live with daily QA scores and SLA dashboards you can inspect from day one.
Scale with evidence
Pilot numbers — cure rates, kept promises, conduct scores — decide the scale-up. Evidence first, volume second.
“They recovered more than our previous agency while we slept better about conduct. The audit trail alone made our risk committee comfortable.”
Let's look at your portfolio together.
Share a snapshot — segments, buckets, language mix. We'll come back with a realistic recovery estimate and a compliance walkthrough, no obligation.