We found a problem with the lending industry that we just couldn't ignore. So we decided to solve it.

Credgenics Founders

Our Story

It started when our founders had a first-hand look at how lenders in developed economies used technology to streamline collections.

But we looked back to India, everything was done manually, or with the help of outdated software that just wasn't built to handle collections. NPA rates were soaring.

Loan management software were more focussed on underwriting, while debt recollected relied on aggressive agents, phone calls that never connected, and long legal battles.

We had seen the impact improved collections could make—not just for lenders, but for the economy. We knew fixing loan recovery could transform lending.

Somebody had to solve the problem. And we had the exact experience and skillset to do so. That's why we built Credgenics.

Since then, we’ve enabled 100+ Banks,NBFCs, FinTechs, and ARCs to increase resolution rates by 20%, improve collections by 25%, reduce collections cost by 40% and collections time by 30%, and improve legal efficiencies by 60%. Credgenics handles USD 47bn+ value of retail loan book and USD 6bn+ delinquent stage retail loan book value. It manages 40mn+ retail loans and sends over 60mn+ digital communications every month.


Disrupting collections with digital-first, data-driven and secure technology solutions.


Enhancing credit health globally by creating a dynamic ecosystem to facilitate digital empowerment in collections.


‍Our values are the cornerstone of our culture, shaping the way we operate and interact. Credgenics, as an innovation oriented company, places a profound emphasis on its core values, which serve as the guiding principles shaping its corporate culture and business ethos. These values are the bedrock of our identity, reflecting our commitment to work diligently towards our mission and vision. These values embody the essence of Credgenics, defining who we are and driving our success. They are the compass that guides us through challenges and opportunities alike, fostering a culture of trust, growth, and customer satisfaction.

Win Together: Act with empathy, extend beyond mere words, and foster an inclusive environment where everyone feels a sense of belonging. Celebrate collective victories and uplift one another to contribute to a shared success story.

Lead with Purpose: Commit to inspiring oneself and others, fostering continuous growth. Set high standards through action and mentor the team toward excellence.

Customer First: Prioritize the customer experience in all aspects of our work. Empower customers by delivering scalable and innovative solutions that add distinctive value.

Entrepreneurial Mindset: Embrace an entrepreneurial mindset by planning and prioritizing tasks, focusing on both short-term and long-term impacts with a clear vision of end goals. Demonstrate proactive ownership and deliver innovative solutions.

Our Investors

Our Journey

Meet The Team

We've built an amazing team of experts from legal, tech, investment and banking backgrounds to tackle debt recollection in the most effective, most efficient way.

We're expanding our team. Let's make a difference, together.

We're here to make collections scalable and reduce NPAs.

We're harnessing the power of technology and data driven analytics to combat the exponentially growing Non Performing Assets in the Indian Economy.

Clients first

Our software is built upon constant research and collaboration with our clients. We want to create a solution that is perfect for you—so we're always learning and putting ourselves in your shoes.

Never give up

We're dedicated to finding new and better ways to do things—and we don't stop until we achieve our goals.

Every individual counts

We believe every single individual has the potential to make an impact on the economy. Every person is a meaningful part of the bigger picture.

Making the world a little more financially inclusive, one step at a time

We want Credgenics to help with ramping up the speed of financial inclusion, so that every person who genuinely needs credit has access to it.

For the lender and the borrower.

We want to help you recover your bad debts without harassing the borrower. Find the perfect strategies that make collections faster and treat the borrower fairly.

You're one step away from painless, faster collections.

Make the change for streamlined, higher collections. Get started now!