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KVJ Agile Care
Compliance-first debt management · Pan-India

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.

100% call recordingRBI Fair Practices alignedDPDP-ready[N]+ trained agents10 languagesEst. [year]
The problem

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.

01

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.

02

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.

03

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.

Why KVJ

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.

Coverage

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

Working officeUpcoming office
The numbers

Evidence, not adjectives

The metrics heads of collections actually ask us about. Bracketed figures are being finalised for publication.

₹[X] Cr+Recovered for lendersacross secured & unsecured portfolios
[X]%Kept-promise ratepromises honoured by committed date
[X]KAccounts handled / monthpre-due through late bucket
0Compliance incidentsregulatory or conduct escalations to date
Recovery console
Live

SLA adherence · this quarter

94.2%

3.1%

Calls QA-scored

100%

Conduct flags

0 open

RBI Fair Practices–aligned · DPDP-ready

Illustrative reporting view — every client gets live SLA and conduct dashboards.

Your first 30 days

From snapshot to scale, on evidence

A bounded, low-risk path — your compliance team signs off first.

01

Portfolio review

We analyse a snapshot of your book — segments, buckets, language mix — and agree on a realistic recovery target.

02

Script sign-off

Your risk and compliance teams approve every script, disclosure and calling window before a single dial.

03

Pilot tranche

A bounded tranche goes live with daily QA scores and SLA dashboards you can inspect from day one.

04

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.
Head of CollectionsMid-size NBFC (name withheld)

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.