Turn overdue
into recovered.
Keystone Ventures runs collections for NBFCs, FinTechs and Lending Service Providers — bending your delinquency curve back with data-led strategy, and doing it inside the lines of the RBI Digital Lending framework.
Simulate your portfolio lift.
Slide your delinquent portfolio size to estimate expected recovered cash and working capital unlocked under Keystone's blended recovery rate.
Delinquency compounds while you wait.
For a lending book, every day an account rolls forward it gets harder — and costlier — to cure. These are the four pressures we're built to relieve.
Roll-forward risk
Every bucket an account slips — 30 to 60, 60 to 90 — drops the odds of full cure and pushes provisioning higher. Speed at early DPD is where recovery is won.
Compliance exposure
Under the RBI Digital Lending Guidelines and Fair Practices Code, a single mishandled interaction is a regulatory and reputational liability. Recovery can't be a grey area.
Rising cost-to-collect
Blanket dialling and manual follow-up burn margin on accounts that won't pay while starving the ones that would. Effort without prioritisation is just cost.
Locked-up capital
Receivables stuck in late buckets are working capital you can't lend again. The longer they sit, the more growth you finance from someone else's balance sheet.
A five-stage recovery engine.
One transparent path from handover to closure — each stage staffed by specialists, legal counsel and analysts, with reporting you can see at every step.
Secure portfolio handover, data mapping and mandate setup — with consent and data trails aligned to DPDP from day one.
> ACCOUNTS: Handover mapped & verified
> DPDP TRAIL: 100% Consent Logged
> ACTION: Ready for Risk Scoring
How we recover more, for less.
Technology and discipline in equal measure — the reasons our recovery rate holds while cost-to-collect falls.
Technology-driven recovery
Automated workflows, AI debtor-scoring and a digital outreach stack compress recovery timelines and cut manual overhead across the book.
Portfolio analytics
Predictive modelling and segmentation put effort where cure probability is highest — so high-yield accounts get worked first, not last.
Empathetic outreach
Respectful, multi-channel contact lifts right-party connects and promise-to-pay rates — resolving voluntarily, before anything escalates.
Compliance by design
Every touchpoint governed by the RBI Fair Practices Code, Digital Lending Guidelines and DPDP Act — protecting your licence and your brand.
Outcomes across the lending stack.
Real recovery on distressed books — from digital NBFCs to bank NPA pools and B2B receivables.
Recovery rate across a 600+ account delinquent portfolio over 18 months, using AI-assisted segmentation and structured negotiation.
Recovery achieved on a regional bank's non-performing loan book through legal enforcement paired with structured settlement programs.
Average time to resolution for a national retail client — down from 180 days — after moving to Keystone's digital outreach platform.
Results that protect both capital and reputation.
Lending-native expertise
A decade across banking, NBFC, fintech and retail credit — we speak DPD, roll-rates and provisioning, not generic "collections".
Specialist team
Certified recovery agents, in-house legal counsel and data scientists working the same account together.
Ethical & fully compliant
Regulator-aligned by default — shielding you from liability while preserving debtor dignity and your NPS.
Transparent partnership
Live dashboards, regular reporting and proactive strategy reviews — you always know where every rupee stands.
Recovery that keeps your licence safe.
We treat the regulatory perimeter as a design constraint, not an afterthought — so nothing we do on your behalf ever comes back on you.
Let's bend your
recovery curve.
Send us a delinquent segment. We'll come back with a recovery estimate and a strategy — no obligation.
Book a portfolio review →