VERIFIED ISO/IEC 27001 Certified | ISO 9001 Certified | DPDP Compliant | RBI Compliant Platform
+91-9898936777 | info@cleardu.com
CLEAR DU SERVICES

From Strategy to Resolution. Executed End-to-End

Combining technology, on-ground execution and recovery expertise to manage early bucket collections, NPA portfolios, legal processes, and debt assignments.

Managing Collections at Every Stage of Delinquency

From Preventing Delinquency to Resolving Complex Portfolios

ClearDu combines technology, specialised teams and nationwide execution to support collections, NPA resolution, legal services and portfolio transactions across the recovery journey.

Talk to Recovery Specialist →
NATIONWIDE EXECUTION & SCALE Pan-India Capabilities
Execution Capabilities Digital + Tele + Field + Legal
Districts covered 580+
Digital and Tele 14+ languages

Pre Due Solutions

Prevent slippages before default occurs

ClearDu helps lenders improve repayment discipline through proactive, multi-channel borrower engagement before the due date. Along with targeted reminders, follow-ups and early risk indication we prevent delinquency.

✓ Automated Reminders: Proactive reminders and early risk signals before due dates.
✓ Multi-Channel Outreach: WhatsApp, SMS, IVR, VoiceBot and email channels.
✓ Instant Digital UPI: Frictionless payment collection links embedded in nudges.
PRE-DUE COLLECTIONS IMPACT 0-DPD Prevention
Reduction in Early Delinquency 35%
On Time payments 85%+
Reduction in cost 60%
COLLECTION EFFICIENCY 0-30 DPD Focused
Compliant with 1600 lines 100% Compliant
Resolution achieved 95%+
Lower Cost per Account 30%

Early Bucket Collections

Digital, VoiceBot, Tele, and Field Execution for Early-Stage resolution

ClearDu manages early-stage delinquent accounts through a coordinated combination of specialised digital follow-ups, VoiceBot, tele-calling, and targeted field visits, we help lenders improve resolution while controlling collection costs.

✓ Deploy Digital outreach, VoiceBot, tele-calling, field teams, or a hybrid approach based on the requirement.
✓ Predictive models and account-level insights to prioritise the right action and improve resolution rates.
✓ Deploy fixed seats or variable model as per portfolio requirement.

NPA & Hard Bucket Resolution

Specialised Recovery for Complex and High-Value Accounts

For deeply delinquent and NPA accounts, ClearDu combines specialised recovery teams, advanced skip tracing, targeted field execution and legal coordination to maximise resolution across complex and difficult-to-recover portfolios.

✓ Deploy experienced field teams based on account priority, borrower profile and recovery potential.
✓ Advanced skip tracing and data enrichment to locate untraceable or skipped borrowers.
✓ Coordinate with legal partners for notices, case filings, follow-ups and timely escalation of recovery actions.
NPA & HARD BUCKET IMPACT TARGETED RESOLUTION
Borrower identification & Skip tracing Locate
Specialised recovery & field teams Engage
Recovery and settlements Resolve
RECOVERY IMPACT RE-ENGAGE. PRIORITISE. RESOLVE.
Fresh Recovery Potential 2x
Portfolio handled 27 thousand crores
Reduced time to collect 31%

Write-Off & ARC Portfolios

Unlock Value from Written-Off Assets

ClearDu helps lenders and ARCs maximise recoveries from written-off, long-outstanding portfolios through specialised recovery strategies, data-led account prioritisation, field execution and legal coordination.

✓ Re-engage and pursue long-outstanding accounts with specialised recovery strategies.
✓ Identify accounts with higher recovery potential and deploy the right recovery approach.
✓ Facilitate structured settlement discussions for closure
PORTFOLIO SALE EXECUTION END-TO-END MANAGEMENT
Right portfolio to sale IDENTIFY
Buyers, outreach & Swiss Challenge MARKET
Coordination, documentation and compliance EXECUTE

Debt Assignment & Portfolio Sale

Advisory & Execution for Stressed Asset Transactions

ClearDu manages the complete debt assignment and portfolio sale process—from portfolio identification and valuation to buyer outreach, transaction execution and compliance.

✓ Identify suitable portfolios for sale and assess portfolio characteristics, quality and transaction readiness.
✓ Identify relevant ARCs and eligible buyers, approach the market and manage buyer engagement.
✓ Manage the complete transaction process, documentation, approvals and applicable compliance requirements.
650+
Tele Callers
4
Contact Centre hubs
14+
States coverage for field resolution
Talk to Recovery Specialist
INDUSTRY INSIGHTS & UPDATES

Stay Updated, Join Our Community

Get the latest regulatory updates, industry trends, case studies, recovery insights and developments shaping the financial services ecosystem.

Got Questions?

Frequently Asked Questions

Everything you need to know about ClearDu's recovery services, compliance standards, and tech integrations.

What services does ClearDu offer beyond software?
❯

ClearDu offers six phygital (technology + on-ground) services covering the full delinquency lifecycle: Pre-Due Solutions, Early Bucket Collections, NPA & Hard Bucket Resolution, Write-Off & ARC Portfolios, Legal Services & Execution, and Debt Assignment & Portfolio Sale.

What is included in ClearDu's Pre-Due Solutions service?
❯

Pre-Due Solutions helps prevent delinquency before it starts, using automated reminders, multi-channel outreach (WhatsApp, SMS, IVR, VoiceBot, email), and instant UPI payment links sent before the due date.

How does ClearDu handle Early Bucket Collections?
❯

For early-stage delinquent accounts, ClearDu combines digital outreach, VoiceBot, tele-calling, and targeted field visits, using predictive insights to prioritize accounts and improve resolution rates.

What does ClearDu's NPA & Hard Bucket Resolution service cover?
❯

This service is designed for complex, high-value delinquent accounts and combines specialised recovery teams, advanced skip tracing to locate borrowers, targeted field execution, and legal coordination.

Can ClearDu help recover value from written-off or ARC portfolios?
❯

Yes. ClearDu's Write-Off & ARC Portfolio service re-engages long-outstanding accounts using data-led prioritisation, specialised recovery strategies, and structured settlement discussions.

What legal services does ClearDu provide?
❯

ClearDu manages end-to-end legal execution through a pan-India network of empanelled advocates, covering notices, filings, Lok Adalat coordination, SARFAESI actions, DRT/DRAT representation, and court-related follow-ups.

Does ClearDu assist with selling or assigning NPA portfolios?
❯

Yes. ClearDu's Debt Assignment & Portfolio Sale service supports the entire transaction - portfolio identification, valuation, buyer/ARC outreach, and compliance-ready execution.

How many locations does ClearDu's field and tele-calling network cover?
❯

ClearDu's execution network spans 580+ districts across India, supported by 650+ tele-callers, four contact centre hubs, and field coverage across 14+ states.

Are ClearDu's field agents trained and certified for compliant recovery practices?
❯

Yes. All field executives are IIBF DRA (Debt Recovery Agent) certified, GPS geo-tracked, and restricted to legally permitted calling/visiting hours under the RBI Fair Practices Code.

Can ClearDu customize a service plan based on our portfolio size?
❯

Yes. ClearDu offers both fixed-seat and variable/volume-based engagement models, tailored to a lender's portfolio requirements and risk profile.

How does ClearDu combine technology and human execution for recovery?
❯

ClearDu's services run on top of its own platforms - Collexifi, Notifi X, and SARFAESI 360 - so every call, notice, and field visit is automatically logged, tracked, and reported for full visibility.

How do I get started with ClearDu's recovery services?
❯

You can speak directly with a recovery specialist by requesting a consultation through the Contact Us page or by scheduling a live demo from the Services page.