Advanced Debt Recovery Services for Faster, Smarter Collections
ClearDu brings together advanced Analytics, Automation, and Execution to streamline every stage of the recovery lifecycle. As a Debt Collections & Resolution Platform, ClearDu integrates AI-led outreach, machine learning models, and seamless legal workflows to drive high-performance recoveries. From digital engagement to legal action, it blends data science, automation, and regulatory compliance to help financial institutions recover smarter and faster fully digitized and built to scale across both retail and SME assets.
RBI Compliant
Data Security
Trusted by India’s Leading Financial Institutions
The ClearDu Advantage
With an omnichannel engine built for speed and precision, we automate millions of borrower touchpoints every month. This results in –
Higher Right-Party Contacts via AI-led outreach
50L+ borrower interactions automated monthly
20L+ automated nudges sent every month
1L+ Legal Notices automated per month
3L+ Communications/day processed via omnichannel engine
10K+ Field Visits /day
About ClearDu
Founded in March 2022, ClearDu is the brainchild of Mr Shailen Mehta, an ex-banker with over two decades of experience in credit and risk management. Alongside Shailen, Sonia Sharma and Prashant Sharma, two seasoned technopreneurs, joined forces to create a unique platform that blends financial expertise with technological innovation.
ClearDu’s foundation lies in its commitment to creating a seamless, efficient, and highly effective debt recovery and loan recovery system. The founding team has leveraged their deep industry knowledge and technical prowess to craft a platform designed to meet the modern challenges of debt collection while delivering impactful results.
Our mission is simple: to leverage the power of analytics and innovative technology to modernize and simplify debt collection. By providing intelligent, data-driven solutions, we aim to simplify the debt recovery process, ensuring smoother outcomes for financial institutions while maintaining fairness and transparency.
Overview of Our Debt Recovery Solutions
ClearDu provides a unified ecosystem that brings together advanced platforms and end-to-end services across debt collections and legal solutions. From automated outreach to litigation workflows, everything is built to maximize operational efficiency.
Ready to transform your debt recovery process?
Schedule a demo to see how our AI-powered platform can help your institution optimize debt recovery.
Solutions
Segments 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.
HFCs
Comprehensive recovery support for HFCs across home loans, LAP, and mortgage portfolios with a strong focus on NPA management.
Our integrated digital and legal workflows improve secured loan recovery, accelerate SARFAESI actions, and enhance compliance.
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
frequently asked questions
What is the default?
Default is when a borrower fails to make timely payment of the due amount as per a predefined payment structure. For example, it could be either interest payment or interest and principal amount payment.
In simple words, default is when the borrowers fail to pay bills on time.
What happens when payment of debt is not paid within the stipulated timeline?
A lending institution initiates the debt collection process.
Moreover, when you don’t pay your debt on time, you might find yourself in a situation where you have to pay fines and interest. You might also have to pay additional fees for late payment or non-payment of debt.
What is debt collection?
Debt collection is the process of pursuing payments of debts owed by individuals or businesses. It involves the collection of overdue installments, due penalties, imperfect obligations, or any other charges.
What is a debt collection agency/debt recovery agency?
An organization specializing in debt collection is known as a debt collection agency or debt recovery agency. These agencies work as per the process guidelines defined by lending institutions.
How can a debt collection agency contact me?
Debt collection agencies can contact the borrower via different communication modes or make a physical visit as per the defined process by the lending institutions.
Do I have to pay a debt collector?
If you owe money to a Creditor, you are responsible for paying it. However, there are many negative consequences of not paying an overdue debt and going to collections.
However, it is essential to check the person’s identity and ensure that the lending institution authorizes the person to collect money from you.
What happens if I don’t pay my dues/loan amount?
When you fail to pay the borrowed amount as per the agreed payment schedule, the payment default is reported to credit bureaus periodically. Therefore, this default or delayed payment reflects in your credit report.
Every lender institution follows guidelines given/set by regulators. Accordingly, your account is being reported to credit bureaus. There are various stages of default. Therefore financial institutions take action.
What is a Credit Report?
A credit report is a history of your credit behavior and contains detailed information on your loan and credit. Credit Reports are obtained from Credit Bureaus.
How do credit bureaus get my information?
Credit bureaus get information from your creditors, such as banks, NBFCs, credit card issuers, auto finance, or housing finance companies.
How does default on a card/loan affect my credit score?
Any default in credit card or loan payments will negatively reflect your credit score. The longer your dues remain unpaid and the greater the frequency of unpaid bills, the harsher the impact on your credit score.
However, if your payment is regular and if your credit score is good, it will be considered a healthy credit report