Introducing Maestro — The only Agentic AI engine built from the ground up for post-origination collections.
From early warning to legal enforcement, CreditNirvana is the only Agentic AI-native collections platform purpose-built for Indian BFSI. Every decision intelligent. Every action compliant.
Built on Perfios – 1,000+ financial institutions · 18+ countries
The next decade of collections will not be won by hiring more callers or dialing more numbers. It will be won by systems that read a borrower’s full context, decide the next best action, and execute it autonomously, continuously, and within policy.
This is the shift already underway across BFSI, and the one CreditNirvana was built for.
Clients backed by
Institutions
Countries
Data points
accounts under management
accounts under management
loan portfolio types
GenAI collection agents
Live platform data. Not projections.
One closed loop, not a chain of tools. Data comes in, intelligence is applied, action is taken, and every outcome feeds back, so tomorrow’s recommendation is sharper than today’s.
Know who will miss a payment before they do.
Allocation cut from 24 hrs to 30 min
The plan becomes a call, a message, or a doorstep visit.
32% higher field efficiency
Settlement to SARFAESI without losing a day to paperwork.
50% faster bulk notices
Every receipt reconciled, every question answered.
80+ dashboards out of the box
Repossession, auction, and stressed assets, run on rules.
50% faster auction listings
Who did what, and who is allowed to.
Provisioning time down 30%
Deploy the full platform, or start with one module.
The entire debt lifecycle on one platform, early warning through legal closure.
150+ agents that plan, decide, and act, not scripts that wait for instructions.
RBI, DPDP, and SARFAESI enforced in the product itself, with immutable audit trails.
1,000+ institutions, 18+ countries, and deep BFSI data infrastructure behind every model.
Measured outcomes in production across banks, NBFCs, and fintechs.
Deploy the full platform, or start with one module.
Maestro understands DPD stages, SARFAESI workflows, and borrower psychology. It negotiates, escalates, and resolves. Autonomously, and always within the law.
Hindi, Tamil, Telugu, Marathi, and 8+ regional languages, with sentiment tracking and full context retention.
Reads intent and distress in real time. Routes instantly to field, legal, or human. No delay, no missed signal.
Supervisors see every agent and every action in real time, with full run logs and audit metadata.
Every turn scored, every commitment logged, every clause checked against policy before it is spoken.
Portfolio management is not holding every account in one place. It is seeing the whole book clearly, catching risk before it lands, and putting attention where it moves the numbers.
CreditNirvana merges your records with bureau, GST, utility, and tax data for a continuously refreshed borrower view. The book you act on is today’s, not last month’s MIS.
An Early Warning System scores every account and forecasts its collections up to three months out. Your teams work the accounts about to slip, not the ones that already have.
Secured and unsecured, retail and corporate, reconciled in one place, with built-in simulation for rescheduling or foreclosure before you commit to either.
Manage the whole portfolio, on this minute’s signal. Every receivable, resolved.
Verified outcomes from institutions live on the platform. Client names shared under NDA.
Bounce rates down
15 to 30%
Within 3 to 6 months, up to 66% in Bucket 0
NPL down
10 to 25%
Within 6 to 9 months, up to 60% for some clients
Cost to collect down
25 to 45%
Within 3 to 6 months
Leading NBFC, Retail & Microfinance.
Top 5 ARC in India, Distressed Portfolio
“Working with Perfios Software Solutions has been a fantastic experience. What stands out the most is the continuous improvement we’ve seen. Despite being more established in the industry, you always take our feedback seriously, and we’ve noticed a significant improvement in your processing time since we began our partnership.”
“Perfios Software Solutions has been instrumental in transforming our financial processes. It automates the analysis of financial and banking statements, enabling us to make quicker decisions without manual effort. What would have taken us significantly longer to analyze is now done efficiently and seamlessly, allowing us to focus on strategic decision-making.”
ISO 27001
ISO 27017
SOC 2 Type II
CSA STAR Level 2
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
When more and more unfortunate incidents of human tragedies occur due to the unethical & rogue practices in Debt Collection, it is high time Lending organizations adopt Personalised and Empathetic Debt Collection Practices
Consent and notice, now required for every restriction placed on a financed device, like every other recovery action. Proposed effective date: October 1, 2026.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
Consent and notice, now required for every restriction placed on a financed device, like every other recovery action. Proposed effective date: October 1, 2026.
When more and more unfortunate incidents of human tragedies occur due to the unethical & rogue practices in Debt Collection, it is high time Lending organizations adopt Personalised and Empathetic Debt Collection Practices
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
Consent and notice, now required for every restriction placed on a financed device, like every other recovery action. Proposed effective date: October 1, 2026.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
The last quarter Financial Results of many Lending institutions in India have raised very serious concerns about the process , methodology and management of the hyper growth lending industry in India.
When more and more unfortunate incidents of human tragedies occur due to the unethical & rogue practices in Debt Collection, it is high time Lending organizations adopt Personalised and Empathetic Debt Collection Practices
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Every Receivable, Resolved.
