From the first missed payment to final legal recovery, Rewafin tells your collections team which account to work, how to reach the borrower, and what to do next—every single day.
Stop working long overdue lists in static order where everyone chases everything. Automatically segment and rank delinquent accounts by risk, outstanding exposure, DPD bucket (SMA-0, SMA-1, SMA-2, and NPA), and likelihood to pay—so self-curing borrowers get automated nudges while high-risk accounts route immediately to callers.
Eliminate the field black box where visits, promises, and cash live in paper notebooks until someone reconciles them days later. Equip tele-callers with click-to-call scripts and outcome logging on one screen, and empower field agents with route-optimized visits, geo-tagged check-ins, offline digital receipts, and real-time cash deposit tracking.
Take recovery out of scattered email threads and untrusted spreadsheets. Manage one-time settlements (OTS) and restructures within strict delegation limits, allocate accounts to external recovery agencies with automated payout reconciliation, and track legal notices, arbitration, SARFAESI actions, and asset repossession in one audit-ready record.
An account turns overdue in the LMS (or triggers an early-warning bounce signal) and enters Collections automatically in real time.
Rewafin scores and ranks the account by risk exposure, overdue bucket, and borrower propensity to pay.
Rule-based reminders go out automatically via SMS, WhatsApp, email, or IVR, timed by days past due (DPD) and preferred language.
Accounts that do not self-cure route automatically to tele-callers or field agents with a tailored script, repayment link, and action plan.
Payments, Promises to Pay (PTP), restructures, or one-time settlements (OTS) are logged with maker-checker approvals and tracked to closure.
Unresolved hard-bucket accounts escalate seamlessly to external collection agencies, legal notices, or asset repossession within the same master record.
Prioritized Queues & Omnichannel Campaigns
Generate dynamic daily worklists ranked by DPD bucket, exposure, and propensity to pay while running automated multi-channel reminder campaigns for self-curing borrowers.
Tele-Calling & Promise-to-Pay (PTP) Workspace
Combine click-to-call dialers, dynamic borrower scripts, complete loan and contact history, and automated Promise-to-Pay follow-ups in a single distraction-free workspace.
Field Collections & Offline Mobility App
Empower field officers to plan daily beats, record geo-tagged customer visits offline, collect repayments via digital QR or cash, and issue instant verifiable e-receipts.
Settlements, Restructuring & Agency Hub
Offer, approve, and track one-time settlements (OTS) and restructures within role-based delegation matrices while managing external Debt Recovery Agents (DRAs) in a scoped portal.
Legal Recovery, Repossession & Analytics
Manage statutory notices, legal cases, court hearings, and vehicle or collateral repossession workflows alongside real-time roll-rate and collection efficiency dashboards.
Whether you collect high-frequency micro-installments in rural centers or manage secured commercial recoveries, Rewafin adapts to your sector's operational and regulatory reality.
High-volume bounce handling, automated tele-calling dialers, DSA/dealer-linked recovery tracking, and vehicle repossession-to-auction workflows.
Offline center-meeting collection sheets, Joint Liability Group (JLG) / SHG member-level attendance and receipting, and field cash-denomination tallying.
Co-applicant and guarantor tracking, multi-stage legal notice automation, and structured SARFAESI Act (13(2) / 13(4)) property possession and auction workflows.
Early Warning Signal (EWS) integration, automated SMA-0 / SMA-1 / SMA-2 containment workflows, and crop-cycle aligned agricultural recovery tracking.
Member-centric and surety/guarantor reminder workflows, localized vernacular notifications, and branch-level recovery committee approvals.
High-velocity digital onboarding with instant bureau/bank parsing and straight-through disbursal.
Underwrite MSME term loans and working capital using cash-flow, GST, and AI appraisal.
Branch and doorstep gold lending with digital purity appraisal, live LTV, and vault tracking.
Dealer-led vehicle financing with instant showroom approvals, payout, and RC/insurance tracking.
Coordinate borrower cash-flow appraisal, parallel legal-technical valuation, and title custody.
Assess students and co-borrowers with semester-linked college payouts and moratorium tracking.
Instant point-of-sale checkout approvals with brand subvention, no-cost EMI, and dealer settlement.
Offline-first JLG/SHG field onboarding, RBI household income checks, and center collections.
Crop-cycle and KCC lending with land-record verification and harvest-aligned repayment schedules.
Synchronize buyer underwriting, builder/project approvals, and construction-linked tranche disbursals.
Or plug directly into your existing Core Banking, LMS, telephony, and payment infrastructure via APIs.
Native Rewafin Suite Continuity
External Telephony, Payment & Legal Rails
Multi-channel onboarding, automated KYC, and AI-assisted credit decisioning.
Automate repayment schedules, NACH/UPI collections, restructuring, and ledger posting.
Run HR, payroll, corporate accounting, and GST/TDS compliance on your lending core.
Automate partner loan allocation, split disbursements, and daily escrow reconciliation.
Spot portfolio stress early with live cohort dashboards and AI early-warning signals.
Enforce RBI policy rules in every workflow with immutable audit trails and live returns.
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamYes. It connects seamlessly to your existing Loan Management System or Core Banking System through REST APIs and scheduled batch imports.
Yes. Field agents can view assigned beats, log geo-tagged visits, capture Promises to Pay, and issue receipts offline; all records sync automatically the moment connectivity returns.
Yes. Contact windows (such as RBI-mandated 8:00 AM to 7:00 PM limits), daily/weekly frequency caps, and channel escalation rules are 100% configurable to your policy and regulations.
You can allocate cases by rule or bucket, grant agencies role-scoped portal/app access, enforce DRA certification and conduct guardrails, and automatically calculate commission payouts based on verified recoveries.
In 30 minutes, we'll walk through your collections process and show where Rewafin recovers more with less chasing.
