On a book this size

₹9.2 Cr

₹9.2 Cr back in a year, from borrowers who pay and from the agency bill you stop carrying.

₹7.2 Cr collected on time·₹2.0 Cr less paid to an agency

Five points more of the book paid, and less of it paid to an agency.

You stop starting the day by asking a floor who is worth calling.

The early book comes back in-house. The agency keeps only what the numbers still justify.