Pilot
₹2,50,000once, for 60 days
One product line, up to 5,000 accounts.
- Measured against a holdout you choose
- Every agent, every channel
- Your book stays in your region
- Ends on the day it says it ends
Collections in your own name
More of your overdue book paid.
Less paid to collect it.
Proven on your own book.
CLS++ works your early-bucket accounts in your name, inside RBI's contact rules, and shows you every morning the gap between the accounts it worked and the ones it did not. Five points more borrowers paying is the pass mark. Under that, the pilot ends.
A 60-day pilot at a fixed price. Per account after that, never per seat. Your data stays in India.
Desk — day 6 of 30
23 accounts, worst firstranked by provisioning at stake
Sunita Deshpande 88d crosses in 2d Move the date ₹38,600to cure
Prakash Menon 71d crosses in 19d Move the date ₹41,200to cure
Suresh Traders 104d already NPA Offer a plan ₹1,56,000to cure
Arun Kulkarni 86d crosses in 4d Re-present ₹14,200to cure
Ganesh Textiles 79d crosses in 11d Offer a plan ₹44,800to cure
+5 ppmore borrowers paying than your holdout, or the pilot ends
60 daysthe pilot, at a fixed price, ending on the date it says
₹35per account a month after that. No per-seat fees
0wrong contacts in every 10,000, or the pilot ends
Your book
What five points is worth on your book.
Five points more borrowers paying is the pilot pass mark. Put your own numbers in. The result is arithmetic on your inputs, not a forecast; the pilot measures the real number.
Value a year
₹9.2Cr
₹7.2 Crmore collected on time
₹2.0 Crless paid to agencies
collected = overdue accounts × 5% × instalment × 12 and
saved = agency spend × share brought in-house. If the pilot measures under five points, it stops.
Where the money leaks today
Three leaks in most books. Each measured. Each one this closes.
Not our numbers: published studies of what happens when collection is outsourced, when callers choose their own list, and when a failed debit is simply retried.
Less risk in your name
10×
About ten times the complaints when a collector works in its own name, not yours.
In your nameIn its own name
Complaints per collector. US data. Philadelphia Fed working paper 18-04. More borrowers pay
+10.1pp
when a model decides who gets called today. With fewer calls.
Share repaid. Randomised trial at a Dutch collection agency, 7,839 borrowers. Wang and Zhou, 2024.
Less money wasted
70%
of debit retries fail after a first failure. And each retry after that does worse.
1st retry70%
2nd73%
3rd83%
4th85%
Share of retries that fail after one failed debit. US online payday loans. CFPB, 2016. What it costs
Priced per account, not per seat. And it stops when it says.
Every user you have, on every branch and product, for the same price. What you pay scales with the book you hand over, and nothing else. The pilot is a fixed sum for sixty days and ends on the date it says, whatever the result.
Growth
₹35per account under management, a month
Minimum ₹1,50,000 a month. Carrier costs are yours, at cost.
- The whole book, every product
- Unlimited users, roles and branches
- Everything the agents learn stays yours
- Support inside four working hours
Enterprise
From ₹12,00,000a year
Several entities, co-lending, or your own cloud.
- Runs in your VPC if you need it
- Your model choice, or ours
- SSO, your retention, your DPA
- A named engineer
Design partner — 40% off the first year, for the first five lenders.
In exchange for one thing: when the numbers are yours, you let us quote them. Not a free pilot. A discount against a price, so both sides know what the thing is worth.
The terms
Prove it on your book. Or stop.
Three numbers decide it. Miss any one and the pilot ends on its date, and the measurement is yours either way.
0wrong contacts in every 10,000
24hat most from a payment to silence, for 99 in 100
+5ppmore borrowers paying than your holdout
Pilots run in an India cloud region. Borrower data stays in India.
How you know the lift is yours
See the gap. Not a claim about it.
Every account in the pilot is assigned at random: worked by CLS++, or held out and worked exactly as today. The split is fixed by a hash of the pilot's salt and the account number, so your auditor can recompute any account's group from those two things alone, and a re-imported file lands every account where it already was.
Paid within 15 days
Promises kept
Cost per ₹100 collected
Wrong contacts
Will the quarter's number be met, and when
Your exposure
Every contact on the record. Every refusal with its reason.
From 1 January 2027 RBI's recovery-conduct directions bind your staff and your agencies alike: contact hours, call recording, and notice to the borrower before a new agent makes contact. A rule you can show held is worth more than a rule you assert.
- Contact hours
- Call recording
- Notice before a new agent
One governor stands in front of every channel, your own callers and any agency. Any doubt, any error, any missing record is a refusal, and every refusal is written with its reason.
You can narrow the window. Nothing, and no prompt, can widen it. Every attempt outside it is refused and recorded.
Read on the call, written to the account, every channel closed before the next message is queued.
A branch manager runs their branch. An officer proposes a settlement and cannot approve their own. Every settlement, waiver and notice is approved by someone you named, up to a limit you set.
Your agencies
Bring the work home, on evidence.
Your agency becomes one more team on your board, measured like the rest. Its share shrinks when your numbers say so, not when a vendor says so.
Agency
Yours
Agency
Your team
Digital
Agency
Your team
Digital
Your team
Digital
The path, not a forecast. Field visits, legal and late-stage recovery stay with specialists.
Who you are dealing with
New product. Not a new team.
CLS++ has no customer to quote yet and says so. The people building it have run call-centre stacks and production AI agents at this scale before, and that record is public.
1.59M leads, zero leakage
The LeadSquared stack across every Bonito call centre, with a 500-agent auto-dialer: 2x sales-agent productivity. Published by the vendor, naming our CTO.
Read the case study₹7 → ₹2 per call
Suchi, a GPT-4 support agent in production at Bonito: 4,000+ calls a day at 85%+ CSAT. The cost line a collections floor lives on, already run once.
The record100M+ customers
Amazon's last-mile execution systems, with ML capacity planning across 65,000 delivery agents. The scale at which a queue has to rank itself every night.
Meet the CTOHow it starts
Starts with a file. Not an IT project.
The one you already send your agencies. We propose the column match; your person approves it.
Against your loan system. It stamps at day-end and the agents rebuild the queue before anyone is awake.
Your carrier posts replies and receipts straight in. One real message to your own phone, and the provider's actual answer on screen.
“Hold GNPA at 3.5%.” It tells you what cure rate that implies, and refuses a target your book has never produced.
What does the work
Seven agents. One job each. A person approves the money.
Each does one thing a person on a collections floor does and hands the result to the next. None can send anything: the governor decides that, and it is a rule in code rather than a model, so no prompt can argue with it.
Reads a reply or a call and writes what it means: a stop, a dispute, a promise, a hardship.
Narrows the brief for one borrower: their language, their hour, their channel, what they said last time.
Turns a target into a plan per segment, and re-plans when the measurements move.
Makes the call, on the brief, inside the window. Quotes only what is on the account.
Writes what the call taught, each learning with the quote behind it.
Checks a promise against what is actually owed before it is accepted.
Allows or refuses every send, and writes the reason. A rule in code, never a model.
Every settlement, waiver and notice is approved by someone you named, up to a limit you set.
Book a pilot review →Before you sign
What your risk committee will ask
- What does it cost if it does not work?
- The pilot is ₹2,50,000 for sixty days, paid once. It ends on that date whatever the result, and the holdout measurement, the roll rates, the cure rates, what each channel was worth, is yours to keep either way.
- Who approves a settlement, a waiver or a notice?
- A person you named, up to a limit you set. An agent proposes and never approves, and an officer cannot approve their own.
- Can anything go out after 19:00 or before 08:00?
- No. You can narrow the window; nothing can widen it. Every attempt outside it is refused and recorded as such.
- Where does our data go?
- Your tenant, in an India region, on your model or ours. What the agents learn about your borrowers is yours, and it leaves with you.
- What happens to our agency contracts?
- Nothing on day one. The agency becomes a team on the same board, measured the same way. You shift work when the gap says so. Field, legal and late-stage recovery stay with specialists.
- Who pays the carriers?
- You do, at cost. SMS, WhatsApp and voice run through Exotel and Twilio behind one interface, and the bill is theirs, not marked up.
One call. Your numbers.
Bring your overdue book and your agency spend. You leave with a pilot plan you can take to your risk committee, whether or not you go ahead.