Blog
Practical articles on collection strategy, field agent habits, and finance software — written for NBFCs, microfinance companies, and private financiers.
How to handle early foreclosure, how to record a partial settlement, why closure is a choice rather than a deadline on interest-only loans, and why the reason matters as much as the amount.
Why customer assignment needs to be explicit, why recording who actually collected each payment matters for accountability, and how to measure agent performance fairly.
Why agents should open with a question, not an accusation, when a customer hasn't paid, how to separate "can't pay" from "won't pay," why a specific next step matters, and why writing it down beats remembering it.
How an interest-only loan actually works, which businesses prefer it, why tracking interest paid vs principal repaid separately matters, and how to close the loan with a full or partial principal settlement.
Why KYC matters even for small, informal-feeling loans, what the core document set is, what Aadhaar is good for and its limits, how much guarantor details matter, and how to keep documents organized and retrievable.
What's wrong with paper receipt books, what a useful receipt should include, how it cuts down 'I never got a receipt' disputes, and why instant sharing builds trust.
Why a well-planned visit order cuts travel, how to group customers by area, how location data helps, and how to handle no-shows without breaking the route.
How a pigmy or recurring daily-deposit scheme works, why it pairs naturally with loan collection, and the maturity, frequency, and early-withdrawal settings that keep it simple to run.
A plain-language guide to the three common late-fee models for small finance businesses in India — fixed, percentage, and per-day penalties — and how to set grace periods and caps.
If your finance business still tracks daily, weekly, or monthly collections in Excel or paper registers, here are five concrete signs you're paying more for that spreadsheet than you think.
Practical, field-tested habits that reduce missed payments and overdue accounts for loan collection agents and finance business owners in India.
A practical breakdown of daily, weekly, and monthly loan collection cycles — who each one suits, where they break down, and how to decide which fits your lending business in India.