Debt Acquisition

Integro acquires distressed retail loan accounts, personal loans, credit cards, auto loans, commercial vehicles etc. from banks and NBFCs at a highly discounted price from Banks and AAA-rated NBFC’s. Each pool is acquired after a thorough Technology-driven due diligence of loan pools, verifying data, borrower traceability, legal enforceability, geography, etc. Predictive models assess expected resolution rates pool-wise, with best, normal, and worst-case scenarios

The Challenge- for Banks and NBFCs

Banks and NBFCs face a structural crisis in managing retail and corporate NPAs. Mounting defaults, weak recovery mechanisms, and regulatory voids create a cycle of losses.

Massive Bad Loans- Banks and NBFCs hold over ₹10.87 trillion in bad loans (2020), with retail NPAs alone accounting for nearly ₹4 trillion.

Ineffective Legal Recovery- Lenders face costly, time-consuming, and fragmented legal processes, further burdened by a lack of in-house legal expertise.

Fragmented Legal Oversight- Most ARCs focus on large corporate NPAs, leaving the vast retail unsecured market largely unaddressed.

Operational Legal Hurdles- Banks struggle with limited control over legal timelines. Enforcement is further delayed by customers spread across diverse geographies.

Regulatory Gaps- The absence of individual insolvency laws leaves lenders with no clear framework for resolving retail NPAs.

Our Tech Stack

Legal Management System (LMS)

Automates case flow and ensures real-time updates

Geo-tagged Mobile App

Facilitates ID verification, field visit tracking, and photographic evidence

AI/ML Segmentation

Classifies borrowers by litigation likelihood for targeted recovery strategies

Dashboards for Investor/Lender Reporting

Delivers transparent, real-time insights with structured dashboards