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KVJ Agile Care
Results

Outcomes we can stand behind

Identifying details removed at our clients' request — the numbers are real and the methods are repeatable. Ask us to walk through any of them live.

₹[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
The recovery funnel

How a portfolio moves to cured

Every stage is a conversation handled with dignity. The funnel narrows — conduct standards don't.

  1. Portfolio placed100% of placed

    Accounts handed to us across DPD buckets and products.

  2. Contacted78% of placed

    Right-party contact established on recorded, compliant lines.

  3. Engaged54% of placed

    A two-way conversation — the reason for delinquency understood.

  4. Promise-to-pay31% of placed

    A dated, affordable commitment agreed with the borrower.

  5. Cured19% of placed

    Account normalised or settled per the client mandate.

Illustrative recovery funnel: of every 100 accounts placed, 100 reach Portfolio placed, 78 reach Contacted, 54 reach Engaged, 31 reach Promise-to-pay, 19 reach Cured.

Illustrative only

Illustrative funnel. Actual outcomes vary by portfolio and vintage.

NBFC · Unsecured personal loans

−34%

0–30 DPD roll-forward

Early-bucket roll-rate cut by a third

A digital-first nudge cadence plus language-matched calling pulled early-bucket roll-forward down 34% in two quarters, without a single conduct escalation.

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Fintech lender · BNPL

61%

cures via self-serve

Self-serve resolution at scale

Payment-link and UPI auto-collect journeys let 61% of delinquent BNPL borrowers resolve without an agent — at a fraction of voice cost-to-collect.

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Private bank · Secured retail

92%

QA conduct score

Late-bucket recovery, brand intact

Structured 90+ DPD resolution recovered materially more on an aged secured book while holding a 92% QA conduct score across recorded calls.

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Ready to see what disciplined recovery looks like?

Send us a portfolio snapshot. We'll come back with a realistic recovery estimate and a compliance walkthrough — no obligation.

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