Banking Loan Collection & NPA Recovery Services in India
Structured, compliant, and performance-driven recovery solutions for banks, NBFCs, and financial institutions.
We specialize in managing delinquent loan portfolios across fresh buckets, pre-NPA accounts, and written-off cases — helping financial institutions improve recovery rates while maintaining regulatory and reputational integrity.
Your Strategic Partner in Banking Loan Recovery
At Hopestone Advisory, we work exclusively with banks, NBFCs, and lending institutions to optimize loan recovery performance across the entire delinquency lifecycle.
Our approach combines:
- Structured bucket-wise strategy
- Ethical borrower engagement
- Field & tele-recovery coordination
- Compliance-aligned recovery processes
- Transparent reporting & performance tracking
We don’t operate as a generic debt collection agency — we function as a structured banking recovery partner focused on portfolio-level results.
Our Services Under Comprehensive Banking Loan Collection Solutions
Banking Loan Collection Services
We manage retail, SME, and business banking loan recoveries through structured communication strategies and field coordination.
- EMI overdue follow-ups
- Soft & hard bucket recovery
- Tele-calling & field recovery
- Settlement coordination
- Recovery documentation support
Fresh Bucket to NPA Management
We help financial institutions reduce slippages by proactively managing early-stage delinquencies before accounts turn into Non-Performing Assets.
- 0–30 DPD, 30–60 DPD & 60–90 DPD handling
- Pre-NPA intervention strategy
- Repayment restructuring coordination
- Borrower re-engagement programs
- Slippage reduction framework
Write-Off Collection Services
Recover value from previously written-off accounts through structured tracing, negotiation, and settlement strategies.
- Written-off portfolio management
- Skip tracing & borrower verification
- One-time settlement facilitation
- Dormant account revival
- Recovery tracking & reporting
Delinquency Portfolio Management
We implement bucket-wise strategies to improve cure rates and strengthen portfolio health.
- Early, mid & late-stage delinquency handling
- Risk segmentation
- Recovery performance analytics
- Escalation matrix management
- Structured reporting for institutions
Structured Banking Loan Recovery Process
1. Portfolio Onboarding & Analysis
- Account segmentation by bucket
- Risk profiling
- Recovery strategy alignment
2. Verification & Contact Validation
- Borrower data verification
- Contact trace validation
- Field verification (if required)
3. Communication Strategy Deployment
- Tele-calling engagement
- Reminder & follow-up scheduling
- Payment commitment tracking
4. Negotiation & Resolution
- Settlement coordination
- Repayment plan structuring
- Cure rate optimization
5. Escalation & Legal Coordination (If Required)
- Documentation support
- Case escalation assistance
- Institutional reporting
Compliance & Ethical Standards
Professional, Respectful & Regulation-Aligned Recovery
Our recovery approach is built around:
- Compliance-aligned engagement protocols
- Respectful borrower communication
- Transparent documentation
- Structured reporting systems
- Reputation-sensitive handling
We prioritize institutional integrity alongside recovery performance.
Who We Serve
We partner with:
- Public & Private Sector Banks
- NBFCs
- Fintech Lending Platforms
- Microfinance Institutions
- Asset Reconstruction Companies
- Financial Portfolio Managers
Service Coverage
We provide structured recovery support across Punjab and expanding North India operations, with scalable capability for multi-location portfolios.
Why Partner with Hopestone Advisory?
- Bucket-wise recovery expertise
- Institutional reporting systems
- Performance-focused approach
- Experienced recovery professionals
- Field & tele-collection coordination
- Scalable portfolio management
We focus on long-term institutional partnerships — not one-off recovery cases.
Frequently Asked Questions
Do you handle individual borrower cases?
We work exclusively with banks, NBFCs, and financial institutions managing loan portfolios.
What types of loan portfolios do you manage?
We manage retail, SME, business banking loans, fresh bucket accounts, pre-NPA portfolios, and written-off cases.
Do you provide reporting?
Yes. Structured reporting and performance tracking are integral to our recovery framework.
Do you handle legal recovery?
We assist with documentation and escalation coordination as part of a structured recovery strategy.
