Recover Loans. Enforce Security. Close NPAs Faster.
Trust Fintech’s Loan & Security Recovery Management Software helps banks and financial institutions efficiently manage delinquent loans, non-performing assets (NPAs), collateral enforcement, legal proceedings, settlements, and recovery operations through a unified platform.
Designed specifically for banks, NBFCs, MFIs, and financial institutions, the solution manages the complete NPA resolution lifecycle—from identification and borrower follow-up to legal proceedings, settlements, collateral recovery, and MIS reporting—while helping institutions maintain regulatory compliance.
Rising NPAs. Fragmented Recovery. Missed Legal Deadlines.
can slow down collections and increase compliance risk.
No Centralized Recovery Visibility
Monitor NPA portfolios, borrower accounts, legal actions, and recovery progress from a unified dashboard.
Manual Legal Process Tracking
Manage SARFAESI, DRT, arbitration, and court proceedings through automated workflows and reminders.
Recovery Delays & Operational Inefficiencies
Eliminate manual follow-ups, disconnected spreadsheets, and missed recovery actions.
SARFAESI Recovery Management
Manage notices, possession actions, auctions, and statutory timelines.
DRT Case Management
Track filings, hearings, orders, and case progress.
One-Time Settlement (OTS)
Automate OTS requests, approvals, and payment tracking.
Asset Reconstruction (ARC)
Manage NPA portfolio transfers and documentation.
Lok Adalat & Arbitration
Track settlements and dispute resolution activities.
Insolvency & Bankruptcy (IBC)
Manage corporate recovery proceedings and related documentation.
Recovery Channels Supported
The product offers support for multiple processes for recovery and legal processes including:
How the Recovery Management Process Works
1. Data Import & NPA Identification
Import borrower and loan account data from CBS or through NPA file uploads. Automatically classify accounts as Sub-Standard, Doubtful, or Loss Assets based on predefined rules.
2. Borrower Verification & Profiling
Verify borrower information, addresses, securities, collateral details, and supporting documents from a centralized platform.
3. Recovery Strategy Formulation
Evaluate account status and assign the appropriate recovery path, including restructuring, settlement, legal action, ARC transfer, or write-off.
4. Follow-Up & Communication
Track calls, field visits, SMS, emails, notices, and borrower commitments while maintaining a complete interaction history.
5. Legal Proceedings Management
Manage SARFAESI, DRT, arbitration, civil suits, and other legal recovery processes with hearing schedules, notices, and case tracking.
6. OTS & Settlement Management
Process One-Time Settlement requests, approvals, payment tracking, and settlement documentation through a structured workflow.
7. Asset Seizure & Auction
Track collateral possession, asset valuation, auction activities, bids, and sale proceeds with complete auditability.
8. Recovery Monitoring & Closure
Monitor recovery performance through dashboards and MIS reports while tracking accounts from initiation to final closure.
Key Features
Identification and Classification of NPAs
Identify overdue and non-performing accounts based on configurable business rules, regulatory norms, and internal recovery policies.
Workflow Automation
Digitally automate the entire recovery process using configurable workflows, activity management, alert and reminder features.
Legal Recovery Process Management
Manage legal recovery activities including SARFAESI proceedings, DRT cases, arbitration, civil suits, notices, and court hearing schedules.
Security and Collateral Management
Manage pledged securities, collateral details, valuation details, and guarantor information.
One Time Settlement (OTS) Management
Manage and track OTS requests, approvals, repayments, and customer communications throughout the settlement process.
Alerts, Reminders & Escalations
Ensure timely action through automated reminders, task alerts, escalation workflows, and follow-up notifications.
Recovery Follow-Ups Management
Record telephonic follow-ups, field visits, notices, borrower commitments, and repayment activities through a centralized tracking system.
Auction and Asset Recovery
Track asset seizure process, security auction process, asset valuation details, bids process and recovery proceeds.
Interest and Charges Management
Automatically compute interest and penalties to be charged/recovered, posting and adjustment against the loan account.
Management Information System (MIS)
Real-time dashboard and MIS reports on NPA status, recovery performance, recovery aging, legal case tracking, and recovery trend analysis.
Benefits
- Improve Recovery Rates
Accelerate collections and reduce NPA aging through structured workflows.
- Reduce Operational Costs
Minimize manual tracking and administrative effort.
- Strengthen Compliance
Maintain complete audit trails and process documentation.
- Enhance Decision Making
Gain actionable insights through dashboards and recovery analytics.
- Improve Team Productivity
Coordinate branches, legal teams, and recovery officers through a unified system.
- Increase Recovery Visibility
Monitor account-level and portfolio-level performance in real time.
Why Trust Fintech Recovery Management Software?
BFSI-Focused Recovery Management Solution
Supports Multiple Recovery Frameworks
Works With or Without CBS Integration
End-to-End NPA & Recovery Lifecycle Management
Integrated Legal & Collateral Recovery Management
Real-Time Dashboards, MIS & Recovery Analytics
Comprehensive Audit Trails & Compliance Controls
Scalable, Secure & Enterprise-Ready Platform
Accelerate NPA Recovery with a Smarter Recovery Management Platform
Digitize recovery operations, improve collections efficiency, manage legal proceedings, and gain complete visibility into your NPA portfolio from a single platform.
01
Send Us Your Inquiry
Complete the contact form with your requirements.
02
Discuss Your Requirements
Our team will connect with you to understand your needs in detail.
03
Get a Custom Proposal
Receive a customized solution proposal for your requirements.
