Reimagining Debt Recovery with AI and LegalTech

From early-stage outreach to legal execution, ClearDu combines AI, ML, data science, and secure integrations to deliver fast, compliant recoveries. Our end-to-end platform blends analytics, automation, and regulatory compliance to help financial institutions recover smarter, faster, and efficiently. Built for Banks, ARCs, NBFCs, and MFIs — ClearDu enables scalable, intelligent, and fully digitized recovery across retail and SME portfolios.

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RBI Compliant

Data Security

Trusted by India’s Leading Financial Institutions

Challenges in Recovery & Legal Operations

Financial institutions face significant hurdles in debt recovery operations that impact their bottom line.

Independent operations

There are different units working on NPA and write-off accounts. At times this delays entire recovery process

Large base

With reduction in ticket size over a period, number of accounts across retail products has increased. To handle large base, it requires significant efforts

Different loan products

Recovery strategies for each product are different. Same team handling multiple products is a challenging task.

Wide geography

Due to deeper penetration of loan products, there are limited accounts in certain territories. To cover these accounts by all modes is challenging.

ClearDu’s Integrated Platform Solution

Our end-to-end recovery ecosystem combines cutting-edge technology with deep domain expertise

Collection Platform

Intelligent Collection Management System

Smart, adaptive collections platform powered by AI and automation.

Dynamic Workflow Automation

Customize collection strategies with rules-based task allocation and automated triggers.

Real-Time Dashboard & Alerts

Get full visibility into team performance, borrower status, and recovery outcomes.

Borrower Segmentation Engine

Use predictive models to prioritize borrowers based on risk and repayment behavior.

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Collection Platform

Full-Spectrum Recovery Services

End-to-end collections — from pre-due to post write-off — handled by experienced teams.

Early & Late Bucket Recovery

Optimize pre-NPA and soft bucket collections through digital and telecall strategies.

NPA and Write-Off Resolution

Specialized workflows and field support to recover hard buckets and charged-off accounts.

Integrated Legal Resolution Support

Trigger legal actions including SARFAESI and Lok Adalat for complex, high-risk recoveries.

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Legal Platform

End-to-End Legal Recovery Automation

Streamline legal processes with AI-assisted workflows and digitized court actions.

Automated Legal Notice Generation

Create and dispatch legally compliant notices instantly across formats and jurisdictions.

Litigation Workflow Management

Digitize and monitor every stage of litigation — from filing and document flow to hearing schedules and final judgment — all in one unified platform.

Legal Recovery Analytics

Monitor performance across legal stages with detailed metrics by geography and asset class.

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Debt Assignment

Debt Assignment Consulting

Strategic support for financial institutions to unlock value through asset reconstruction.

ARC Identification & Matching

Connect NBFCs and MFIs with suitable ARCs based on portfolio profile and resolution objectives.

Due Diligence & Structuring Support

Support clients in organizing key data and aligning transaction terms with ARC requirements

End-to-End Transaction Facilitation

Coordinate negotiations, documentation, and closure to ensure smooth debt assignment execution.

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Platform Features

Our comprehensive platform is designed to streamline your debt recovery process

AI Automation

Smart Workflows

Automate debt collection with intelligent, adaptive workflows that boost recovery rates.

Analytics

Real-Time Insights

Track performance and optimize strategies with actionable analytics and dashboards.

Compliance

Secure & Compliant

Bank-grade security and regulatory compliance built into every process.

Omnichannel

Multi-Channel Outreach

Engage debtors via SMS, email, calls, and WhatsApp for higher response rates.

LegalTech

Integrated Legal Tools

Initiate and manage legal actions seamlessly with built-in workflows for notices, case tracking, and court procedures.

Intuitive Interface

User-Centric Design

A user-friendly, role-based design built for collectors, legal teams, and managers to drive faster adoption and operational efficiency.

How It Works

Our technology-driven approach streamlines the entire debt recovery process from data integration to successful resolution.

Data Integration & Analysis

We connect with your systems to analyze debt patterns, borrower behavior, and historical data to create recovery strategies.

AI-Driven Prioritization

Our ML algorithms score and prioritize cases based on recovery probability, optimizing your team’s efforts.

Automated Communication

Personalized, compliant messaging across multiple channels to engage borrowers at optimal times.

Recovery Management

Track payments, manage settlements, and handle legal proceedings through our unified dashboard.

Ready to transform your debt recovery process?

Schedule a demo to see how our AI-powered platform can help your institution optimize debt recovery.

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Why ClearDu?

We offer distinct advantages that set us apart in the debt recovery industry

Faster Recoveries

Accelerate collections with AI-driven prioritization and automation.

Higher Success Rates

Proven to increase recovery rates for leading financial institutions.

Trusted by Banks

Built for scale, security, and reliability in the financial sector.

Our services

Secured Loans

We specialize in secured loan recoveries with a blend of analytics, field expertise, and legal precision. We drive recoveries through data-driven segmentation, field engagement, and legal coordination. Our approach focuses on maximizing asset value and minimizing turnaround time, ensuring seamless recovery within regulatory frameworks.

Unsecured Loans

Recovering unsecured portfolios requires strategy and sensitivity. Our team leverages advanced borrower analytics, customized contact strategies, and multi-channel communication to drive optimal recovery rates while maintaining customer sensitivity and compliance standards.

Vehicle Loans

Run multi-channel campaigns for reminders, pre-due notices, and collections using SMS, IVR, WhatsApp, email and voice bots. Our platform ensures consistent outreach, higher engagement, and improved repayment rates.

SME Loans

We handle complex SME loan recoveries with a deep understanding of business dynamics, collateral structuring, and regulatory frameworks, helping financial institutions reduce delinquencies and unlock stuck capital.

Early Bucket

Our early-stage tele-collection team focuses on proactive engagement, reminding customers of upcoming dues to prevent slippages and improve overall repayment rates.

Higher Buckets

For delinquent and hard-to-recover accounts, we deploy skilled negotiators trained in empathetic yet assertive communication, ensuring better conversion even in advanced delinquency stages.

Pre-Due, Charges Collections, etc.

We provide pre-due and charges collection services to reduce overdues and maximize recovery of penal and other charges. By proactively engaging customers with timely reminders and consistent communication, we minimize delinquencies. Our team also manages post-due charge collections to ensure accurate reconciliation and healthier portfolio performance.

SMS, IVR, WhatsApp, Voice Bot

Our AI-driven digital outreach platform automates debt collection campaigns via SMS, IVR, WhatsApp, and Voice Bots—enhancing reach, speed, and consistency while keeping costs low and compliance high.

End-to-End Legal Recoveries

We manage the full legal recovery lifecycle—from case filing to enforcement—through our network of empaneled lawyers and in-house legal experts, ensuring efficient resolutions under SARFAESI, Arbitration, and NI Act frameworks.

Lok Adalat Services

We provide comprehensive Lok Adalat representation and coordination services, enabling lenders to settle eligible accounts amicably and recover dues through legally recognized, time-efficient channels.

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Our Solutions

Comprehensive debt recovery solutions powered by cutting-edge technology and industry expertise.

Legal Platform (LeMS)

Our Legal Management System (LeMS) streamlines the end-to-end legal recovery process, from case initiation to enforcement. Financial institutions can track cases, manage lawyers, and ensure compliance across SARFAESI, Arbitration, and NI Act frameworks.

Legal Notices – Digital & Physical

Generate, track, and manage legal notices efficiently. Whether digital or physical, notices are automated, compliant, and reduce turnaround time—improving overall recoveries.

Digital Campaigns

Auto Dialer for Collections

Automate call campaigns with our smart auto-dialer to reach borrowers efficiently. Track responses, schedule callbacks, and improve collection outcomes with minimal manual effort.

Stock Yard Audit Platform

Monitor, track, and audit vehicle or asset stock yards with real-time data capture and reporting. Ensure accuracy, accountability, and compliance in asset management.

Portfolio Sale Management

We provide end-to-end portfolio sale management solutions, assisting financial institutions throughout the entire process from portfolio evaluation and buyer identification to transaction closure and compliance.

Setting Up Collections Unit

We help institutions establish and manage in-house collections units, providing a complete solution including workflow design, staff training, process integration, and performance monitoring.

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Industries We Serve

Tailored debt recovery solutions for various financial sectors with industry-specific approaches.

Banks

Machine learning algorithms analyze borrower behavior to create optimized recovery strategies and personalized communication.

NBFCs

Tailored recovery strategies and flexible workflows for NBFCs with diverse lending products — from consumer durables to SME – enabling faster recoveries.

Fintechs

Digital-first recovery solutions for modern lenders, built with API-ready integrations to scale collections through fully digital, automated workflows.

MFIs

Recovery support tailored for both rural and urban markets, with capabilities to manage group lending structures, multilingual borrower engagement, and region-specific strategies.

ARCs

Specialized recovery and asset management solutions that help Asset Reconstruction Companies maximize value realization. Streamlined workflows, compliance-focused processes, and data-driven insights ensure faster resolutions and improved portfolio performance.

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Real Results. Real Recovery.

See how our platform has transformed recovery operations for leading financial institutions

“ClearDu transformed how our recovery officers work. The mobile app and automated workflows have significantly improved productivity across our team.”

Rahul Sharma

Head of Collections, Leading Private Bank

Recovery officer productivity improved by 3x

“The legal document generation feature has been a game-changer. What used to take hours now happens in seconds, with perfect compliance.”

Priya Patel

Legal Operations Head, Top NBFC

Legal notice generation down to 1 minute

“We’ve been able to recover vintage cases that we had almost written off, thanks to ClearDu’s automated workflows and smart assignment algorithms.”

Vikram Singh

Recovery Manager, Fintech Leader

Vintage cases recovered with automated workflows

Latest Insights & Resources

Stay informed with the latest trends, insights, and best practices in the debt recovery industry.

May 15, 2025

How AI is Transforming Debt Recovery in 2025

Discover the latest AI advancements in the debt recovery industry and how they’re improving recovery rates.

By Raj Mehta

May 15, 2025

Navigating RBI’s New Debt Recovery Guidelines

A comprehensive guide to complying with the latest regulatory framework for debt recovery in India.

By Priya Sharma

May 15, 2025

Case Study: How Allied Bank Improved Recovery by 65%

Learn how one of India’s leading banks transformed their debt recovery process with ClearDu’s AI platform.

By Vikram Singh