"NPL collections" refers to the processes, strategies, and operations used to recover as much money as possible from these delinquent/non-performing loans. This includes: Contacting borrowers to negotiate repayment plans, restructurings, or settlements. Sending reminders, making calls, or using automated systems. Escalating to more aggressive steps like legal action, foreclosure (for mortgages), or repossession (for secured loans). Working with third-party collection agencies that take a percentage of recovered amounts. In many cases, banks sell bundles/portfolios of NPLs at a deep discount to specialized investors or debt buyers, who then handle the collections themselves (often more aggressively). Mission: Total ticket size of 10 crores and the achievement percentage = 0.88%

Nill Pass: "Nill Pass" refers to a situation where Bajaj customers have failed to pay their EMIs on time. As a result, charges related to check bounces (or other payment failures) remain outstanding. We, as a third-party agency, offer a special settlement opportunity with a waiver of 50-70% on these pending charges. Once the customer pays the reduced/settled amount, we will issue an NOC (No Objection Certificate / No Dues Certificate), which serves as official proof that the loan account has been fully closed and settled. This is a limited-time relief option to help clear the dues at a significantly discounted rate and obtain loan closure confirmation. Achievements: 2-3% of the targets will be achieved every month.

X Bucket (zero bucket): Customers who have missed their most recent EMI payment and from whom we will be able to recover the outstanding installment. The goal is to prevent flow from the Zero Bucket to higher buckets (e.g., stop accounts from becoming overdue). Lenders track Zero Bucket Collection Efficiency (percentage of current EMIs collected on time) as a key performance metric, often aiming for 90-91% in healthy portfolios. Our overall achievement is 89.9%-91.8%.

1st, 2nd, and 3rd–5th Buckets: We are a professional collections agency specializing in 1st, 2nd, and 3rd–5th bucket accounts. We manage early, mid, and late-stage delinquencies with structured recovery strategies designed to maximize collections while maintaining compliance and customer respect. Our services include reminder follow-ups, repayment plan structure, settlement negotiations, dispute resolution, and escalation support. We help lenders and businesses reduce overdue portfolios, improve cash flow, and protect their brand reputation through ethical and efficient recovery practices.

1st, 2nd, and 3rd–5th Buckets: We are a professional collections agency specializing in 1st, 2nd, and 3rd–5th bucket accounts. We manage early, mid, and late-stage delinquencies with structured recovery strategies designed to maximize collections while maintaining compliance and customer respect. Our services include reminder follow-ups, repayment plan structure, settlement negotiations, dispute resolution, and escalation support. We help lenders and businesses reduce overdue portfolios, improve cash flow, and protect their brand reputation through ethical and efficient recovery practices.

1st, 2nd, and 3rd–5th Buckets: We are a professional collections agency specializing in 1st, 2nd, and 3rd–5th bucket accounts. We manage early, mid, and late-stage delinquencies with structured recovery strategies designed to maximize collections while maintaining compliance and customer respect. Our services include reminder follow-ups, repayment plan structure, settlement negotiations, dispute resolution, and escalation support. We help lenders and businesses reduce overdue portfolios, improve cash flow, and protect their brand reputation through ethical and efficient recovery practices.