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Debt Collection CRM for Agencies, NBFCs & Recovery Teams

Allocate cases, automate follow-ups, send payment links and collect faster. Sukam Apps CRM gives debt collection agencies, NBFCs and loan recovery teams across India one system for telecalling, call recordings, missed payment alerts, SMS and WhatsApp payment links, field recovery and client MIS.

Bulk allocationPTP trackingRecorded calls
Our clients

Trusted by Industry Leaders across India

From fast-growing local businesses to national brands, teams in manufacturing, education, immigration, healthcare and finance run their sales on Sukam Apps.

The problem

Why Recovery Targets Get Missed

Collection is a volume game. When allocation, calling and follow-up run on Excel and personal phones, promises break and money stays uncollected.

✕ How it works today✓ With Sukam Apps CRM
Monthly bank/NBFC allocation files (such as bucket-wise Excel sheets or email attachments) are split among agents by hand—the first few days pass without calls and recovery targets slip.
Upload the allocation file and Sukam Apps auto-allocates cases by bucket, region and language, while the auto-dialer starts calling immediately.
Promises to pay (such as notes in an agent’s notebook, Excel trackers, or a customer’s “Saturday for sure” on WhatsApp) are forgotten—no one calls on the due date and the account rolls into the next bucket.
Agents get follow-up reminders on every PTP date, and customers receive automated payment reminders on WhatsApp/SMS.
Agent calls (such as calls from personal mobiles or unrecorded lines) leave no record—when a customer complains, there is no proof and the bank levies a penalty.
Sukam Cloud IVR and Mobile App For Telecaller record 100% of calls with dispositions, and Saaransh AI summarises every call.
Field agents report visits without proof (such as a phone call saying “nobody was home,” gallery photos, or register entries)—fake visits go unnoticed and recovery stalls.
Field agents log every visit on the mobile app with GPS check-in and photos, and supervisors track it live on the dashboard.
Client MIS (such as bucket-wise Excel for the bank, agent-wise recovery sheets, and PTP lists) takes days to compile—late MIS leads the client to cut your next allocation.
Sukam Apps generates daily reports and dashboards by client, bucket, agent and recovery amount automatically, with no Excel stitching.
Customers keep asking for payment details (such as account number, EMI amount, UPI ID, or branch address) on agents’ personal WhatsApp—raising the risk of payments to the wrong account.
Automated payment reminders with official payment details go to every customer on WhatsApp/SMS in one consistent format.
How it works

How Sukam Apps CRM Runs Your Collection Process

From allocation file to recovered amount, every step is tracked.

Upload

Import allocation files from banks and NBFCs with bucket, DPD and amount.

Allocate

Auto-allocate cases to telecallers and field agents by bucket, pincode or language.

Call & record

Dialer calling with recording, disposition codes and next action.

Collect

Send payment links and reminders on WhatsApp and SMS. Update receipts.

Report

Daily MIS by client, bucket and agent. Recovery vs target in real time.

Features

Collection CRM Features

Built for third-party agencies and in-house collection teams.

Bulk Case Allocation

Upload lakhs of cases and allocate by bucket, DPD, pincode or language in minutes.

Disposition Codes & PTP

Standard codes like RTP, PTP, callback, wrong number. PTP date and amount tracked for every case.

Dialer & Call Recording

Agents call from the CRM or Mobile App For Telecaller. Every call recorded for quality and disputes.

Payment Links & Receipts

Send payment links on WhatsApp and SMS, record part-payments and settlements.

Field Recovery App

Field agents get their visit list with GPS check-in, photos and visit outcome.

Settlement & Hard Recovery

Track settlement approvals, legal notices and hard recovery stages case by case.

Compliance Controls

Recorded calls, role-based data access and activity logs to support fair practice guidelines.

Client-wise MIS

Daily and monthly MIS for each bank or NBFC client, agent productivity and recovery rate.

Sukam Apps CRM connects with Sukam Cloud IVR and our Call Center Solution for high-volume dialing, sends bulk SMS and WhatsApp reminders, and uses Saaransh AI Business Insights to review agent calls for tone and script, so quality teams do not have to listen to every recording.

Automation & payments

Automated Follow-ups, Payment Links and Call Recordings

Recovery rates improve when no follow-up is missed and paying takes one tap. Sukam Apps CRM automates both, with a recorded trail of every call for compliance.

Follow-up Task Automation

Every case followed up on time. Follow-up tasks are created automatically from each disposition, callback and PTP date, so agents start the day with a prioritised call list instead of an Excel sheet.

Missed Payment Alerts

Broken promises caught the same day. Get instant alerts when a PTP date passes without payment or an EMI is missed, and move the case to the next follow-up or field visit automatically.

SMS & WhatsApp Payment Links

Make paying the easy option. Send payment gateway and UPI links by SMS and the official WhatsApp Business API, with automatic receipts and payment status updated against the case.

Telecaller App Call Recordings

Every call logged and recorded. The Sukam Telecaller App records agent calls made from mobile SIMs, logs call duration and disposition, and syncs everything to the CRM for quality checks and disputes.

Before & after

What Changes for Your Collection Team

Without CRMHow it works today

  • Cases split in Excel and shared on WhatsApp
  • PTP dates written in notebooks, often missed
  • No recording of what the agent said
  • Field visit reports cannot be verified
  • Client MIS prepared manually at month end

With Sukam Apps CRMWhat changes

  • Cases allocated automatically in minutes
  • Every PTP followed up on the due date
  • Every call recorded with disposition
  • Field visits verified with GPS and photos
  • MIS ready every day, client-wise
Who uses it

Who Uses Sukam Collection CRM

Third-party Collection AgenciesNBFC Collection TeamsBank Recovery VendorsMicrofinance InstitutionsCredit Card CollectionsConsumer Durable LoansTwo-wheeler & Auto LoansPersonal Loan FintechsHousing Finance RecoveryTelecom & Utility DuesEducation Loan RecoveryGold Loan CompaniesIn-house Loan Recovery Teams
Integrations

25+ Integrations to the tools you already use

Sukam Apps CRM connects with the lead portals, WhatsApp, cloud telephony, email, accounting and automation tools Indian businesses run on. Leads, calls and invoices sync automatically, so your team works from one screen.

  • Lead portals
  • WhatsApp & social
  • Cloud telephony
  • Email
  • Accounting
  • Automation
FAQ

CRM for Debt Collection: Frequently Asked Questions

What does a CRM for debt collection agencies do?

It manages the complete collection cycle: allocation of cases, calling, dispositions, promises to pay, payment links, field visits and MIS for every client, in one system.

Can we upload allocation files from banks and NBFCs?

Yes. You can bulk import allocation files with account details, bucket, DPD and amount, and allocate cases automatically to agents.

Are agent calls recorded?

Yes. Calls made through Sukam Cloud IVR, the Call Center Solution or the Mobile App For Telecaller are recorded and linked to the case.

Can we send payment reminders on WhatsApp and SMS?

Yes. Payment reminders, links and receipts can be sent on WhatsApp and SMS, individually or in bulk.

How do you track promises to pay (PTP)?

Every PTP is saved with date and amount. Agents get a reminder on the due date and the case moves automatically based on payment status.

Is borrower data secure?

Yes. Access is role-based, so agents see only their allocated cases, and every action is logged.

Can we see a demo first?

Yes. Book a free demo and we will show the complete collection flow with sample allocation data.

Does the CRM alert us when a borrower misses a payment?

Yes. When a promise-to-pay date passes without payment or an EMI is missed, the CRM alerts the assigned agent and supervisor and automatically creates the next follow-up task or field visit.

Can agents use their own mobile SIMs and still have calls recorded?

Yes. With the Sukam Telecaller App, calls made from agents’ mobile SIMs are recorded and logged with duration and disposition, and synced to the CRM for quality checks and dispute resolution.

Do you work with collection agencies and NBFCs across India?

Yes. Sukam Apps CRM is cloud-based, and we onboard, train and support collection agencies, NBFCs and loan recovery teams across India online and over the phone, from our head office in Jalandhar, Punjab.

Is this debt collection CRM suitable for small collection agencies?

Yes. Sukam Apps is a ready-to-use collections CRM, so small agencies and in-house recovery teams can go live in a few days without custom development, and grow into more agents and cases later.

Can field recovery agents use it on mobile?

Yes. Field agents use the mobile app for visit check-ins and case updates, and managers see the progress of every case in the CRM.

Recover More, With Full Control Over Every Case

See how collection agencies and NBFCs run allocation, calling and field recovery on Sukam Apps CRM.

1,500+Businesses supported
12,000+Active users
15+Years experience