Turn every overdue loan into a
resolved case
DigiRepay is the Collections & Recovery OS for Indian NBFCs and banks — 14 modules, every DPD bucket, full RBI compliance, and India's only native co-lending attribution engine.
Trusted by 15+ institutes
RESOLUTION
Part of the DigieSign OS — end-to-end lending lifecycle
DigieSign
Origination & eSign
DigiServe
Legal notice delivery
DigiRepay
Collections & Recovery OS
DigiResolve
ODR & dispute resolution
Every recovery action DigiRepay takes is traceable to the original contract in DigieSign and court-admissible via DigiServe's Section 65B vault.
Collections fails at every layer of the stack
Banks and NBFCs lose crores every year — not because they don't recover, but because their collections infrastructure is fragmented, manual, and legally indefensible.
No single source of truth
Recovery tracked in Excel, notices sent over email, disputes filed in physical folders — zero integration, complete operational chaos.
Evidence inadmissible in court
40% of notices disputed in DRT for lack of Section 65B certification. Manual processes don't capture chain of custody.
₹54.78 Cr in RBI penalties
Missing mandatory disclosures, incorrect notice formats, and improper consent capture create serious, avoidable regulatory liability.
These aren't operational inconveniences. They're existential risks to your institution's recovery capability and regulatory standing.
See how DigiRepay solves thisFrom DPD signal to resolved case — fully automated
Your LMS sends a signal. DigiRepay classifies, strategises, orchestrates, and logs — enforcing compliance at every step, before any action fires.
LMS signal received
Webhook triggers on DPD event. Loan classified into the correct bucket within seconds — no manual triage.
Compliance guardrail fires
Before any action — RBI FPC, DLG 2023, MFI rules verified. Calling window, DND status, contact frequency all checked.
Strategy engine executes
Selects the optimal action mix: DigiServe notice, Voice AI call, field partner allocation, or payment link — based on DPD bucket rules.
Evidence logged automatically
Every action timestamped in the immutable Case Evidence Ledger. Section 65B certificates auto-generated for every legal notice.
Case resolved or escalated
Payment received → LMS updated → co-lending reconciled automatically. Or escalated to DigiResolve for ODR with a pre-packaged evidence bundle.
DPD bucket → action matrix
Compliance runs before strategy
Compliance decides what's permitted. Strategy decides what to do within those boundaries. These rules live in code — not in policy manuals that nobody reads.
14 modules. One orchestration engine.
Every module purpose-built for India's collections reality — compliant by architecture, not by process.
Signal ingestion & DPD bucket engine
Receives DPD webhook from LMS. Classifies loans into buckets in under 5 minutes. Applies loan-type-aware rules for PL, MSME, Home Loan, and MFI.
- ✓Idempotent signal — no duplicate actions
- ✓SFTP/CSV bulk upload for legacy LMS
- ✓Pre-due (DPD -10) through DPD 180+ buckets
- ✓Separate rule sets per loan type
Pre-due campaign trigger engine
Engages borrowers before delinquency. DPD -10 through DPD -1. Auto-stops if borrower pays before due date.
- ✓Payment link embedded in every touchpoint
- ✓Configurable per loan type and ticket size
- ✓Via DigiServe: WhatsApp, SMS, Email
Collection strategy configuration
Bank-owned governance layer. Define, version-control, approve, and activate strategies without raising a support ticket.
- ✓4-eyes maker-checker approval workflow
- ✓Strategy versioning with full audit trail
- ✓A/B strategy testing on split portfolio
Phase 2 — Scale
Upcoming capabilitiesBank-owned strategy. Compliance-enforced execution.
Click any DPD bucket to see exactly which actions DigiRepay triggers, what compliance rules fire first, and which integrations execute.
DPD -10
DPD 0–30
DPD 31–60
DPD 61–90
DPD 90+
Compliance fires first
- ✓All DPD 0–30 rules continue
- ✓DLG 2023 cooling-off period checked
- ✓LSP disclosure verified
- ✓SARFAESI pre-conditions assessed
Actions triggered
- Legal notice via DigiServe
- Escalated AI Voice call
- Field visit queued (if PTP missed)
SARFAESI prep begins
System begins compiling the SARFAESI 13(2) notice bundle automatically. Auto-triggers at NPA classification if no resolution is reached.
Intelligence that enforces compliance, not just conversations.
Every AI capability in DigiRepay is compliance-gated, orchestrated, and logged — not a black-box vendor plugged into your workflow.
AI voice agent integration
DigiRepay acts as the compliance orchestration layer around your preferred AI voice vendor — deciding when to call, sending the brief, and capturing structured disposition back into the Evidence Ledger.
- ✓DND, calling window, frequency gating — fires before every call
- ✓PTP date, amount & sentiment captured in structured format
- ✓Call recording reference stored in Case Evidence Ledger
- ✓Multilingual support via vendor configuration
DPDP-compliant data enrichment
When contact attempts fail, DigiRepay triggers certified data enrichment. The entire lifecycle — from consent flag to deletion confirmation — is managed in the platform, not left to the vendor.
- ✓Auto-triggered after configurable failed contact count
- ✓90-day retention cap enforced, purpose limitation applied
- ✓Deletion confirmation received and logged on case closure
- ✓Data minimisation enforced in every vendor API payload
Predictive recovery scoring
Once Phase 1 has accumulated sufficient portfolio data, DigiRepay will introduce AI-driven probability-of-payment scoring to dynamically reorder case queues and tune channel selection.
- ○Probability-of-payment score per loan
- ○Dynamic case queue re-ordering
- ○Channel mix optimisation by score band
Requires Phase 1 data volume — available to clients who go live before Q2 2025.
Every channel. One compliance layer.
DigiRepay orchestrates across six recovery channels from a single strategy engine — with the same compliance guardrails, evidence logging, and disposition capture on every one.
Pre-due · reminders · notices
High-read-rate channel for pre-due reminders, payment links, and DigiServe-dispatched legal notices. WhatsApp Business API with template approval managed by DigiRepay.
Formal notices · statements
Formal channel for demand notices, settlement offers, and regulatory disclosures. Section 65B evidence chain embedded automatically in each legal communication.
SMS
Short reminders · payment links
Reach borrowers without smartphones. DLT-registered sender IDs, payment link embedded, frequency capped per RBI FPC. DND registry checked before every message.
AI Voice
Outbound calls · PTP capture
Compliance-gated outbound AI voice calls via certified vendor. Disposition structured — PTP date, amount, reason captured and written back to the Case Evidence Ledger automatically.
Field collections
DRA-certified partner agencies
Asset-light field model — DigiRepay allocates to DRA-certified partner agencies based on geography and performance scores. Every visit geo-tagged, photographed, and logged.
Legal notices
Via DigiServe · Sec 65B auto-cert
All legal notices — demand, SARFAESI 13(2), Section 138 NI Act — routed through DigiServe. Section 65B certificates generated automatically. India Post tracking in the Evidence Ledger.
Applies to every channel above
Same guardrails. Every channel. No exceptions.
Calling window
8 AM–7 PM enforced in code — cannot be overridden
DND registry
Real-time DND check before every outbound action
Frequency cap
RBI FPC contact frequency limits enforced per borrower
Compliance by architecture.Not by process.
DigiRepay is the only collections platform where regulatory rules are enforced before actions are taken — not audited after the fact.
The core distinction
Incumbent platforms enforce compliance through process manuals and agent training. DigiRepay enforces it in code. If the rule says "no calls after 7 PM" — the system physically cannot trigger a call after 7 PM. Zero audit failure risk versus ongoing compliance debt.
5 regulation frameworks — hard-coded
RBI Fair Practices Code
ActiveCalling window 8 AM–7 PM. Daily contact frequency caps. DND registry integration. Language-appropriate communication enforced.
RBI Digital Lending Guidelines 2023
ActiveLSP disclosure in every outreach. Cooling-off period enforcement. KFS link on all payment communications.
SARFAESI Act — Sec 13(2) & 13(4)
Secured loansAuto-trigger demand notice at NPA on secured loans. 60-day response window tracked. Possession notice pack auto-assembled if no response received.
Section 138 NI Act
Auto-triggerCheque return date tracked. Notice trigger via DigiServe within 30-day statutory window with Section 65B certification auto-generated.
RBI MFI Directions 2022
MFI / JLGJLG group-level DPD logic. No penalty on penalty enforcement. Indebtedness cap flagging. Post-disbursement cooling-off period.
DPDP Act 2023
Data privacyData minimisation in vendor payloads. Consent flag before skip tracing. 90-day retention caps. Deletion confirmation from all vendors tracked.
Security architecture
HMAC-SHA256 authentication
API key + HMAC-SHA256 webhook secret per vendor. Every call verified, every payload signed.
Immutable audit log
Append-only Case Evidence Ledger. No record can be modified or deleted — ever.
India data residency
All data stored in AWS ap-south-1 (Mumbai). No cross-border transfer. DPDP Act compliant.
SOC 2 Type II pathway
Audit preparation in progress. Security controls aligned to SOC 2 Trust Service Criteria.
Evidence chain — contract to court
DigiRepay sits inside the DigieSign OS. Every piece of evidence connects from the moment the loan agreement was signed.
Section 65B certificate auto-generated at every notice node. One-click DRT court pack — no manual evidence assembly.
Connects to your stack. Orchestrates everything else.
DigiRepay sits between your LMS and every recovery action — connecting natively to the DigieSign suite and through a standardised vendor framework to all external partners.
LMS webhook
REST API · SFTP/CSV
DigiServe
Legal notice delivery
DigiResolve
ODR escalation
Vendor framework
Voice AI · Field · Skip
NACH / eMandate
NPCI integration
Vendor integration framework — standards applied to every external partner
Authentication
API key + HMAC-SHA256 webhook secret per vendor
SLA monitoring
Response time + error rate tracked per vendor
Fallback behaviour
Every vendor has defined fallback if unavailable
Audit log
Every API call logged in Case Evidence Ledger
Real institutions. Measurable ROI.
Early DigiRepay clients are seeing recovery improvements within the first billing cycle — not months after go-live.
| Capability | Standalone SaaS | AI Collections Platform | DigiRepay ✓ |
|---|---|---|---|
Section 65B auto-certification Every notice court-admissible by default | ✗ | ✗ | ✓ |
Co-lending payment attribution Native split across co-lenders | ✗ | ✗ | ✓ |
MFI JLG group-level logic Group DPD, centre meetings, RBI MFI 2022 | ✗ | ✗ | ✓ |
Bank-owned strategy governance 4-eyes, versioned, no CS team required | ✗ | ✗ | ✓ |
Native ODR integration Internal suite escalation, not external partnership | External | ✗ | ✓ |
Contract-to-recovery traceability eSign → Collections → Evidence chain | ✗ | ✗ | ✓ |
SARFAESI 13(2) auto-trigger at NPA | Manual | ✗ | ✓ |
Field collections model | Own agents | Own agents | Partner API |
"Borrower onboarding notices automated end-to-end. DPD-triggered demand notices sent across WhatsApp, Email, and SMS simultaneously. Section 65B certificates generated automatically."
IIFL Finance — Loan Operations
85% faster turnaround
"Zero notices challenged in court for lack of evidence. Complete chain of custody stored — WhatsApp read receipts, email opens, and courier tracking all in one immutable ledger."
Five Star Business Finance — Legal Recovery
0 notices challenged in DRT
"10,000+ monthly notices dispatched with zero manual intervention. RBI fair practices code compliance enforced at template level — no manual audit required from our compliance team."
IIFL Samasta — Collections Ops
34% ops cost reduction
Frequently asked questions
DigiRepay integrates via REST API webhooks. Your LMS posts a DPD event to our signal ingestion endpoint and we handle everything from there. For legacy LMS that can't send webhooks, we support SFTP-based bulk file upload. Standard integration time is 2–4 weeks.
No. DigiRepay runs as a standalone product. However, the Section 65B auto-certification and court-ready evidence chain only activate when DigiServe is connected. Most clients start standalone and add DigiServe within the first 3 months once they see the compliance value.
Traditional collections platforms typically employ field agents directly — you pay for their operational overhead. DigiRepay connects to your existing agencies or our certified partner network via API. We handle allocation intelligence, compliance monitoring, and performance tracking — keeping the model completely asset-light for your institution.
Under RBI's co-lending framework, banks and NBFCs jointly originate loans with a defined split. When a borrower repays, that recovery must be attributed to each lender correctly. No competitor handles this natively. DigiRepay automates the split on every payment, generating per-lender reconciliation reports automatically.
Standard deployment is 2 weeks: Week 1 for LMS integration and data mapping, Week 2 for strategy configuration, compliance template setup, and UAT. Your team is fully operational by Day 14. Full suite deployment (DigiServe + DigiRepay + DigiResolve) runs 4–6 weeks.
Ready to turn collections into a
competitive advantage?
Deploy DigiRepay in 2 weeks. Your first Section 65B certified recovery happens on Day 1.