RBI-aligned recovery partner
Recovery, handled with restraint.
Ethical, audited and measurable collections for India's banks and NBFCs — run by trained, badged agents on a process your compliance team can inspect end to end.
- RBI Fair Practices Code
- ISO 27001 aligned
- 24-state field network
Portfolio recovered
₹1,240Cr
Across retail and MSME books, FY 2024–25
- Resolution rate
- 68%
- Compliance score
- 100%
Trusted by lending institutions across India
Why lenders change partners
A recovery agency does not just collect your money. It speaks to your customers in your name.
Most lenders do not replace a collections partner over recovery rates. They replace one after a call goes wrong — an escalated complaint, an ombudsman notice, a screenshot that travels. We built Rudrayani around the opposite premise: that the quietest recovery is the one that protects both the book and the brand behind it.
What we do
Four ways we recover, matched to the bucket.
Each channel has its own rules of engagement, agreed with your compliance team before the first contact.
How we work
A process your audit team can follow end to end.
Four stages, each with a named owner and a written record. Nothing moves to the next stage on assumption.
- 01
Portfolio allocation
You hand over a segmented book. We map each bucket to a channel and agree the rules of engagement in writing before a single call is made.
- 02
Segmented outreach
Early buckets go to the calling desk, harder ones to field. Contact frequency, hours and scripts stay inside the limits your compliance team signed off.
- 03
Escalation path
Accounts move to legal only on your written approval — never by default, and never as a pressure tactic during a call.
- 04
Reconciliation & reporting
Recoveries reconcile to your ledger on an agreed cycle, with a full audit trail available to your team on request.
- ₹0 Cr
- Portfolio recovered
- 0%
- Average resolution rate
- 0 yrs
- In operation
- 0
- States covered
Why lenders stay
Three things we will not trade away.
An audited process
Call recordings, visit logs and escalation approvals are retained and made available to your audit team on request. Nothing about how we work is off-limits to you.
Trained, badged agents
Every agent is background-verified, trained on the RBI Fair Practices Code, and carries photo identification issued against your mandate. Conduct breaches end the engagement, not the quarter.
Transparent reporting
Recovery, contact and disposition data reconcile to your ledger on an agreed cycle — in your format, not ours. No black-box numbers at month end.
“We moved a difficult early-bucket book to Rudrayani expecting a trade-off between recovery and conduct. Eleven months in, complaint volume is down and the recovery line held. That combination is rare.”
Questions we are asked
What procurement teams want to know.
Talk to us about your portfolio.
Tell us the bucket mix and geography, and we will come back with an approach and indicative commercials.
Request a consultation