Recover More.With Better
From early warning to legal enforcement — Credit Nirvana is the only Agentic AI-native collections platform purpose-built for Indian BFSI. Every decision intelligent. Every action compliant.
India's Most Innovative Collections Suite.
20 Modules. One Platform.
| Account | Borrower | DPD | Outstanding | Last Action | Status |
|---|---|---|---|---|---|
| #AC84721 | Rajesh Kumar | DPD 32 | ₹1,24,500 | Maestro AI — Payment plan | Resolved |
| #AC84719 | Priya Sharma | DPD 67 | ₹2,81,000 | SARFAESI Notice issued | Legal Review |
| #AC84715 | Amit Verma | DPD 8 | ₹89,250 | WhatsApp reminder sent | Active |
| #AC84708 | Sunita Patel | DPD 94 | ₹4,12,000 | Field agent assigned | Escalated |
| Account ID | Borrower | Segment | DPD Bucket | Loan Type | Outstanding | Propensity Score | Next Action |
|---|---|---|---|---|---|---|---|
| #AC84721 | Rajesh Kumar | Retail | 30–60 | Personal Loan | ₹1,24,500 | 87/100 | AI follow-up — 10am |
| #AC84719 | Priya Sharma | SME | 60–90 | Business Loan | ₹2,81,000 | 54/100 | Legal Notice — Draft |
What Happens When Institutions
Choose Credit Nirvana
Verified outcomes from institutions live on the platform. Customer names shared under NDA.
The Only Agentic AI
That Assures Closures.
It understands DPD stages, SARFAESI workflows, and borrower psychology. It negotiates, escalates, and resolves. Autonomously, and always within the law.
Speaks India's Languages. All of Them.
Hindi, Tamil, Telugu, Marathi, and 8+ regional languages — with sentiment tracking and full context retention.
Reads the Room. Every Time.
Reads intent and distress in real time. Routes instantly to field, legal, or human — no delay, no missed signal.
Compliance isn't a Filter. It's the Foundation.
RBI, DPDP, and DLG norms enforced before Maestro speaks. Every interaction timestamped and inspection-ready.
Built on Infrastructure That Powers 90% of Indian Lending.
Credit Nirvana is built from within Perfios — not on top of it. Every integration, every data model, every compliance framework runs on 17 years of BFSI infrastructure trusted by 1,000+ institutions across 18 countries.
India's Most Complete Financial Data Fabric
More lending data than any platform in India — flowing directly into Credit Nirvana's predictive models.
50+ Integrations. Zero Sprint Required.
Finacle, BaNCS, CIBIL, AA Framework, NACH — live across 1,000+ institutions. No building required. Just switch on.
14 ML Models. All in Production. None on a Benchmark.
Bounce prediction, paying propensity, roll-rate forecasting — trained on 400M+ real data points.
Your Collections.
Inspection-Ready.
Security and compliance are the foundation — not features added on top. Your data is protected. Your processes are defensible. Your regulators will have nothing to flag.
DPDP Act 2023 & Collections
Every borrower interaction, legally defensible.
Plug In Once.
Work with Everything.
50+ BFSI integrations — already live across 1,000+ institutions on Perfios' infrastructure. No sprint. No custom API work. Connected before you go live.
Two Strategic Offerings.
One Unified Platform.
Choose the deployment that fits your institution — a technology platform you operate, or a managed service we run for you.
- Modular architecture — deploy what you need, scale as you grow
- API-first with 50+ pre-built BFSI integrations
- Maestro Agentic AI embedded natively — not bolted on
- Private, public cloud, or hybrid with data residency
- ISO 27001 · SOC 2 Type II · DPDP-aligned
- AI-orchestrated outreach across voice, WhatsApp, SMS, field
- Outcome-based — structured around recovery performance
- RBI-compliant workflows baked into every process
- Dedicated portfolio managers with real-time dashboards
- DPDP Act-aligned data processing with consent management
Built by BFSI Veterans,
Technologists & Operators.
See What Agentic AI
Does for Your Portfolio
A live walkthrough mapped to your portfolio, DPD profile, and compliance requirements. No slides. No generic demo.
Request a Demo
Tell us about your portfolio. We'll build the session around it.