RBI recovery-conduct directions take effect 1 Jan 2027. Every agent here already runs inside them. How

Book a pilot review

Your numbers.
One call.

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.

How the pilot runs

Starts with a file. Ends with a number.

1

Send a sample of your daily file

The one you already send your agencies. We propose the column match. Your person approves it.

2

Agree the holdout

Accounts are split at random. One group is worked by CLS++. The other carries on as it does today.

3

Read the gap

Your board shows the difference between the two groups every morning. That number decides what happens next.

The terms

Prove it on your book. Or stop.

Three numbers decide it. Miss any one and the pilot ends.

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.

Who this is for

Lenders who collect in their own name.

Role

Finance, collections, risk, technology

The CFO or P&L owner, the head of collections, the chief risk officer or the CTO. The people who answer for every rupee spent collecting and every contact made in the lender's name.

Book

Unsecured retail, early buckets

Banks, NBFCs and fintech lenders with personal loans, cards or pay-later books, from the first missed instalment to 90 days.

Trigger

1 January 2027

RBI's recovery-conduct directions bind your staff and your agencies alike. Or an agency bill, or a complaint, you could not explain.