Pioneering Ethical Debt Resolution in India

Our Story, Vision & Values – Transforming Defaults into Opportunities for Financial Rebirth

Overview

Integro is a legal-tech NBFC registered with the Reserve Bank of India. Since its inception, the company has focused on solving India’s ₹10.87 trillion debt crisis by combining litigation-led resolution with grassroots financial inclusion.
We acquire stressed retail loan accounts from AAA-rated institutions at discounted prices and resolve them using a unique hybrid of legal action and AI-powered analytics. Our goal is to create long-term impact by not only recovering dues but also rehabilitating defaulters into responsible creditworthy individuals. Through this model, Integro bridges the gap between default and dignity.

Our Vision

To be India’s most trusted and transformative leader in retail debt resolution—harnessing scalable legal networks, AI-powered analytics, and inclusive refinancing to revive distressed credit, restore borrowers’ financial dignity, and set new standards of efficiency, integrity, and social impact.

Our Mission

To revolutionize retail stressed-loan resolution in India through a litigation-focused, technology-driven model that integrates advanced analytics, legal innovation, operational excellence, and personalized counseling—maximizing recoveries, rebuilding trust, ensuring fairness, and reintegrating customers into the formal financial ecosystem through innovative, fresh loans.

Our Journey

September 2019

Incorporated

November 2020

Obtained RBI License

February 2022

Acquired Rs.604.91 Cr NPA

June 2022

Acquired Rs.605.51 Cr NPA

September 2024

Acquired Rs.296.98 Cr NPA

January 2025

Acquired Rs.476Cr NP

March 2025

Acquired Rs.88Cr NPA

Backing & Credentials

Credentials validated by industry experience, regulatory compliance, and client confidence.

1. RBI Registered NBFC: N-13.02398

2. Credit Rating by CARE: BB-, Stable

3. DPIIT Startup India Certified: DIPP90639

4. Tax Exemption Approved under Sec 80-IAC (May 2025)

Leadership Team

The Visionaries Driving Integro’s Mission Forward

Mr. C. R. Radhakrishnan

Chairman

40 years of banking experience in senior positions at Union Bank of India, Bank of Baroda and State Bank of India in Chief General Manager positions and has represented SBI in various Committees of RBI. Significant experience in Industrial and Retail Credit, Forex, Treasury, and Operations.

Former member to Advisory Board of ARCIL, Mentor and former Dean – Finance, SIES College of Management Studies, Independent Director, N R Agarwal Industries Ltd., Akara Capital Advisors P Ltd. He has also served as Domain Specialist, CARE Advisory Research & Training.

Postgraduate in Commerce, Certified Associate, Indian Institute of Bankers, CIA, Institute of Internal Auditors, Florida and Insolvency Professional registered with IBBI.

K.P. Sreejith

Founder & CEO

K P Sreejith is a seasoned legal professional and serial entrepreneur with over 27 years of experience.

He is the Founder and former Managing Partner of IndiaLaw LLP, a Mumbai-based law firm with a pan-India presence. He specializes in arbitration and civil & commercial litigation, with a focus on creating time-bound mechanisms for efficient dispute resolution and minimizing procedural delays.

He has pioneered innovative models for the execution of arbitral awards and court decrees, successfully handling thousands of cases for banks and NBFCs across India. His expertise earned him a nomination to the CII National Task Force on Dispute Resolution.

He is also the Co-founder and CEO of The Kannur Club, a premium lifestyle club, initiative backed by 190 HNI investors under KL 13 Ventures Pvt Ltd. He is also a Partner at ABS Partners Legal Consultants LLC, a UAE-based law firm.

Recognized for his strategic vision and entrepreneurial acumen, Sreejith blends legal insight with business innovation, making him a respected leader across industries

Jaspal Ahluwalia

Executive Director

Former Senior Vice President– Special Situations Group, Retail at L&T Finance with 28+ years of specialized industry experience in Asset Finance & Resolving & Restructuring of Distressed Assets in Retail, SME and Corporate Portfolio’s.

Has Excellent Industry Network enabling Acquisition of Potential Stressed Portfolios from well-known NBFC’s & Banks for a good Scale up.

Handled various startups & strategic Business units from scratch to scale & creating teams & frameworks in SME & Asset Finance space especially Commercial Equipment’s, Mortgages & LAP, Auto, Farm Equipment’s etc.

In depth domain knowledge & wide Business Network in the Corporate Industry.

Has significant connects with the top investing community including named Investment Banks. Degree in Law & is a Postgraduate in Management from S.P. Jain Institute of Management & Research.

Deepthi Sreejith

Executive Director

Co-promoter of Integro Finserv Pvt. Ltd.

An entrepreneur and Director of Scarlet Holidays Pvt Ltd and Flusso Solutions Pvt Ltd.

Possesses significant experience in start up strategies, and resources management.

Graduate in Mathematics, Calicut University & Entrepreneurial Edge course from London School of Business.

Prem Nair

Chief Operating Officer

Mr Prem Nair is a veteran in Team Management with more than 3 decades of corporate experience in Senior positions. Mr. Nair possesses diverse sectoral expertise in multi fields such as marketing, business development, client relationship, team management, with exposure both in domestic and international geographies.

Mr. Nair is also a recognized professional in strategic management, negotiation, skilling, and inspirational leadership. Nair occupied Senior Executive positions at Eureka Forbes Ltd, Magic Holidays Ltd, Chemmannur International Holidays& Resorts Ltd. Mr. Nair also set up operations in Vietnam for Eureka Forbes International.

N.S. Venkatesh

Independent Director

Chief Executive of the Association of Mutual Funds in India, brings over three decades of banking experience, including 20+ years in Treasury and International Banking. He has expertise in Finance, Risk Management, IT, Audit, Taxation, and Accounting Standards. As Executive Director of IDBI for 19 years, he held key roles such as CFO and led the establishment of India’s first Stressed Asset Stabilization Fund and IDBI’s transformation into a Universal Bank. He was a member of RBI’s Technical Advisory Committee (2011–2016) and chaired FIMMDA, also serving on FEDAI’s Management Committee. Currently, he is on SEBI’s Mutual Funds and Corporate Bond Advisory Committees and Maharashtra’s Advisory Committees on Cash Management and Fintech. Mr. Venkatesh serves on the Boards of NSDL Payments Bank Ltd., Indel Money Pvt. Ltd., Clearcorp Dealing Systems, and IIFA Canada. A Chartered Accountant, he holds a Diploma in Management & Financial Services and is a Certified Associate of the Indian Institute of Bankers, Mumbai.

Raji Vishwanath

Independent Director

30+ years of extensive expertise in corporate governance, legal compliance, and business transformation. At Centrum Capital, spearheaded strategic acquisitions, fund-raising initiatives and the operationalization of asset management and banking businesses. Tenure at L&T Financial Services was marked by pivotal roles in credit, risk, and operations management, along with building high-performing teams. From driving international projects to implementing cutting-edge compliance systems, Raji’s accomplishments exemplify visionary leadership and a relentless commitment to excellence.

Vijuy Ronjan

Director

Former Chief General Manger, State Bank of India. In his more than 35 years of banking experience, he handled assignments across functions including credit, risk management, international banking, trade finance, technology, strategies, etc., both in India and abroad. During his tenure at SBI, he implemented special schemes on Financial inclusion especially for the weaker section. Vijuy represented State Bank of India in various committees relating to Banking and finance. Vijuy is also independent director and Motivational Speaker. Vijuy did his Hons in Arts from the University of Patna. Vijuy has been trained in Risk Management by Euromoney, in leadership and strategy at ISB, XLRI, IIM, Bangalore, Indian Institute of Corporate Affairs and on Design Thinking at Harvard. Vijuy carries with him immense experience in finance sector with wide exposure in India and abroad.