Portfolio Recovery Solutions

Portfolio Recovery Solutions - Built for Bulk NPA Management

REVIK’s Portfolio Recovery Solutions help Banks, NBFCs, and MFIs manage delinquent loan portfolios end to end – across Ahmedabad, Surat, Vadodara, and Rajkot.

Facing Issues

The Challenge

Managing NPA accounts one at a time does not scale. A lender with hundreds of delinquent accounts across multiple products and DPD buckets needs more than individual case handling – it needs structured portfolio recovery services that can stratify, prioritise, and report across the entire book at once.
Most agencies offering loan portfolio recovery services in Gujarat apply the same approach to every account, regardless of bucket or product type. That is why recovery rates plateau. A genuine portfolio recovery company treats each segment of the book differently – because each segment behaves differently.

What REVIK Delivers

Our Portfolio Recovery Services

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

Bucket-Wise Stratification

Every account in your portfolio is segmented by DPD bucket, product type, and geography before any recovery activity begins – the foundation of effective NPA portfolio recovery.

Loan Portfolio Recovery Services Across Products

Personal loans, vehicle loans, equipment loans, and consumer loans managed under one coordinated loan recovery management framework.

Debt Portfolio Recovery Services for Bulk Mandates

Structured debt portfolio recovery services for lenders handling hundreds of delinquent accounts across multiple DPD stages simultaneously.

Collection Management Services & MIS Reporting

Ongoing dashboards tracking recovery rate, closure ratio, and portfolio movement – visible to your team throughout the mandate.

Asset Recovery Services

Where secured loans are involved, our asset recovery services coordinate valuation, repossession, and legal action as part of the broader portfolio strategy.

Delinquent Account Recovery

Structured engagement for every delinquent account recovery need, from early bucket soft touch to hard NPA escalation – sequenced by account priority.

How We Operate

How Our Portfolio Recovery Solutions Work

1

Portfolio Intake & Stratification

The full portfolio is received and segmented by bucket, product, and geography - the starting point of every REVIK portfolio recovery engagement.

2

Segment-Specific Strategy

Each segment gets its own recovery approach - tele-calling for early bucket, field collections for mid-stage, legal and settlement for hard NPA

3

Execution Across Channels

Field, tele-calling, legal recovery, and settlement teams work the portfolio in parallel, not in isolation, under our combined portfolio collection services model.

4

Reporting & Portfolio Review

Regular MIS updates and portfolio-level reviews ensure your team has full visibility into recovery progress at every stage.

Compliance Signal

Built Into Every Call

Every account inside our Portfolio Recovery Solutions is handled under RBI’s Fair Practices Code – contact windows, documented interactions, and complaint escalation apply uniformly across the entire portfolio, not selectively. Every stratification, strategy assignment, and outcome is documented. Portfolio-level compliance records are auditable on request by your institution or your regulator.

Who This Is For

Built For

NBFCs

NBFC portfolio recovery services for personal, vehicle, and equipment loan books spanning multiple DPD buckets.

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MFIs

Bulk delinquent account recovery for microfinance portfolios structured around group-liability dynamics.

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Financial

Broader financial portfolio recovery services for institutions managing multi-product, multi-geography NPA books.

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Banks

Recovery solutions for banks managing large retail and MSME NPA books requiring structured banking portfolio recovery across Gujarat.

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Related Services

Works Well With

Field Collections & Recovery

Portfolio segments requiring on-ground engagement are routed directly into structured field recovery.

Settlement & Resolution Management

Accounts identified for negotiated closure move into OTS facilitation as part of the same portfolio recovery company mandate.

NPA Resolution Services

Portfolio Recovery Solutions feeds directly into REVIK's broader NPA resolution framework for classification-to-closure management.