Field Collections & Recovery

Field Collection Services in Gujarat - Built for Where Your Team Cannot Reach

REVIK provides field collection services in Gujarat for Banks, NBFCs, FinTech lenders, and Vehicle Finance Companies – covering Ahmedabad, Surat, Vadodara, Rajkot, and the wider Gujarat region.

Facing Issues

The Challenge

Your internal recovery team cannot be present in every district where your borrowers live in. Delinquent accounts in Tier 2 and Tier 3 geographies across Gujarat sit unresolved – not because they cannot be recovered, but because no one is physically there to work them.
This is where most loan recovery services that Gujarat lenders rely on fall short. A call center alone cannot verify an address, inspect a secured asset, or engage a borrower face-to-face. Field presence is the gap between a delinquent account and a resolved one.

What REVIK Delivers

What Our Field Collection Services in Gujarat Cover

Your agency’s conduct is your regulatory exposure. REVIK is structured to protect your institution – not just recover your portfolio.

Early Bucket Field Visits

Doorstep engagement for accounts at 30-90 DPD – before delinquency hardens into NPA. Our field collection services in Gujarat begin at this stage because early intervention costs less and yields greater returns.

Hard NPA Physical Recovery

Hard NPA Physical Recovery refers to bank seizing and auctioning physical collateral and on-ground engagement for accounts that have moved past early buckets, where tele-calling alone has not produced a resolution to recover bad loans

Vehicle Repossession Support

As part of our vehicle repossession services in Gujarat, our field agents coordinate the repossession of two-wheelers, cars, and commercial vehicles, including RTO documentation and asset condition assessment.

Property Inspection

Our property inspection services in Gujarat confirm the physical status of secured assets tied to housing and equipment loans, supporting SARFAESI and legal recovery timelines.

Skip Tracing Field Support

When borrowers have changed addresses or become unresponsive, our field teams work alongside our skip tracing services in Gujarat to re-establish contact before an account becomes unrecoverable.

Rural & Semi-Urban Coverage

Field agents operating across Ahmedabad, Surat, Vadodara, Rajkot, Gandhinagar, and surrounding districts – including areas most national recovery agencies do not physically cover.

How We Operate

How Our Field Collection Services in Gujarat Work

1

Portfolio Mapping

Delinquent accounts are stratified by DPD bucket, product type, and geography before a single field visit is scheduled.

2

Agent Deployment

Certified field agents are assigned based on district familiarity and local language - Gujarati, Hindi, or both, depending on the borrower's location.

3

Structured Engagement

Each visit follows a defined protocol: identification, purpose disclosure, and documented outcome. No unannounced pressure tactics.

4

Reporting & Escalation

Visit outcomes are logged and reported to the lender. Accounts that require legal escalation and settlement facilitation.

Compliance Signal

Built Into Every Visit

Every field visit under our field collection services in Gujarat operates within the RBI Fair Practices Code – contact restricted to 8 AM to 7 PM, agents carrying valid identification at all times, and no engagement at a borrower’s workplace without prior authorisation.
Every visit is documented. Every outcome is recorded. Compliance records are auditable upon request by your institution or your regulator.

Who This Is For

Built For

NBFCs

Field-level recovery support for personal, vehicle, and equipment loan portfolios, complementing broader NBFC recovery services in Gujarat.

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Vehicle Finance

Repossession coordination and asset verification for two-wheeler, car, and commercial vehicle NPAs with legal documents.

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Housing Finance

Property inspection and physical verification in support of secured housing loan recovery from the consumers with legal actions and enforcement.

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Banks

Outsourced field engagement for retail and MSME NPA portfolios requiring bank recovery services in Gujarat with documented compliance.

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Related Services

Works Well With

Skip Tracing & Investigation -

When a borrower cannot be located, our skip tracing services in Gujarat locate them before field visits resume.

Legal Recovery Coordination -

When field engagement is exhausted, accounts move into SARFAESI, DRT, or Lok Adalat coordination.

Settlement & Resolution Management -

Field-identified accounts requiring negotiated closure are routed into structured OTS facilitation.