Built for banks, NBFCs and MFIs in India
Your agent said not home.
Can you prove they went?
Takaazi turns every recovery visit into evidence. GPS verified on the server, a timestamped selfie at the door, and a structured outcome — so a field report becomes something your compliance team can actually defend.
₹100 per agent, per month. No setup fee.
The problem
Field collection runs on trust, and trust does not survive an audit
Unverifiable visits
An agent marks an account “not home”. There is no way to tell whether they stood at the door or never left the office. The cost of that gap is paid in accounts that never get worked.
No audit trail
Outcomes arrive over WhatsApp and on paper, in whatever words the agent chose. Nothing is structured, so nothing can be measured, compared or defended later.
The lender carries the risk
Under the RBI’s Fair Practices Code and its outsourcing directions, conduct in the field is the lender’s responsibility — even when the agent is on contract.
How it works
An overdue loan becomes a proven visit
- 01
Loan
Overdue account imported from your core system
- 02
Task
Assigned to an agent for a specific day and address
- 03
Visit
Agent checks in — GPS and selfie captured at the door
- 04
Proof
Server re-verifies the position and records the outcome
The agent's phone is never the authority. It reports where it thinks it is; the server recalculates the distance from the borrower's registered address and decides whether the visit counts. That single decision is what separates a record from a claim.
Structured outcomes
Six outcomes, every one with a written remark
Free-text reporting cannot be counted. Every visit closes on one of six outcomes, and the two that imply a future action carry the date they refer to.
Promise to Pay
with the date promised
Refuse to Pay
borrower met, declined
Revisit scheduled
with the date to return
Left the address
whereabouts unknown
Address not found
address on file is wrong
Borrower deceased
collection stops
What you get
Designed so the evidence holds up
The phone never decides
The app sends coordinates; the server recomputes the distance from the borrower’s stored address and makes the call itself. A tampered client cannot mark itself verified.
Anomalies raise themselves
A check-in beyond twice the allowed radius writes an anomaly record and notifies admins automatically — nobody has to go looking for it.
One visit, one record
The database enforces a single visit per task, so a retry on a patchy connection can never double-log a collection attempt.
Search that matches how agents think
Find any account by customer name, loan ID, mobile number or PIN code — and see which of those actually matched.
Live map and agent status
See where every agent is, how far through the day they are, and who has been flagged — without calling anyone.
A view for the people who fund it
A read-only executive dashboard covering recovery rate, branch performance and portfolio health across the organisation.
Who it is for
Anyone who sends people to a doorstep
Takaazi is multi-tenant from the schema up. Each organisation sees only its own branches, agents and borrowers, so a collections agency can run several lenders' portfolios side by side without them ever touching.
- Banks with in-house recovery teams
- NBFCs and microfinance institutions
- Third-party collection agencies
- Any lender answerable for agent conduct
Three roles, one system
- Agent
- Mobile app. Today’s route, check-in with GPS and selfie, outcome and remark.
- Admin
- Web console. Assigns work, watches the live map, reviews flagged visits.
- Executive
- Read-only. Recovery rate, branch comparison and portfolio health.
Pricing
One price, per agent, per month
Admin and executive seats are included. No setup fee, no per-visit charge, no minimum commitment.
- ✓Unlimited visits and borrowers
- ✓Mobile app for every agent
- ✓Web console and executive dashboard
- ✓Full visit history and audit trail