Building an Audit Trail Recovery Agents Can Actually Pass: A Platform Walkthrough for NBFCs
TL;DR Three Separate Rules Do Not Make One Defensible Record If you have been tracking RBI’s recovery-conduct rules one at a time, you have three separate compliance projects: device locking for recovery apps, agency disclosure on your website, and call recording for outreach. Each has its own deadline and its own paragraph reference. None of […]
The 7-Day Rule: Why Your Recovery Agency List Can’t Sit Static on Your Website
TL;DR Your Recovery Agency Disclosure Obligation Started in 2025, Not 2027 If your compliance calendar has flagged January 2027 as the date this obligation begins, that’s incomplete. The obligation to publish a recovery agency list already exists. The RBI (NBFC – Responsible Business Conduct) Directions, 2025, at what secondary sources cite as para 97, already […]
RBI Fair Practices Code Collections Software Baseline: What NBFC Collections Teams Still Owe Borrowers Under the 2025 Responsible Business Conduct Directions
TL;DR Most collections compliance guides are citing an instrument that no longer stands alone Anyone evaluating RBI Fair Practices Code collections software right now is really asking two questions at once: what does the Fair Practices Code actually require, and does the tool in front of me meet it. The honest answer starts with a […]
Recovery Call Recording Compliance for NBFCs: What RBI’s 2027 Rule Requires
TL;DR Recovery Call Recording Compliance Is a New Documentary Requirement, Not a Conduct Update Anyone searching for what recovery call recording compliance actually requires is usually trying to answer two questions: what the rule mandates, and whether their collections software already meets it. Here’s the direct answer: RBI’s rule requires that recovery calls be recorded, […]
Banks Should Measure Reuse, Not Just ROI
Banks have spent the past several years proving that artificial intelligence can create value. Fraud models reduce losses, contact-center copilots improve productivity, AI-assisted underwriting accelerates decisions, and relationship intelligence helps bankers identify opportunities earlier. Most of these initiatives are evaluated in a familiar way: What problem does the technology solve, what does it cost, and […]
The Missing Ingredient in Agentic AI: Predictive Intelligence
Every technology wave has a defining misconception. During the rise of robotic process automation, many believed that automating workflows would transform business performance. It certainly improved efficiency, but it rarely improved decision quality. Organizations became faster at executing the same decisions they had always made. Today, a similar assumption is emerging around agentic AI. Across […]
Every AI Operating System for Banking Needs a Governed Intelligence Layer
In my previous article, I argued that the next competitive advantage in banking will not come from artificial intelligence alone. It will come from an institution’s ability to transform raw data into trusted, reusable intelligence. Data records what happened. Intelligence explains what it means. That distinction is becoming increasingly important. Over the past few months, […]
The Rise of the Intelligence Layer
The banking industry has spent the better part of two decades investing in data. Institutions modernized core systems, built data warehouses and lakes, implemented analytics platforms, and developed increasingly sophisticated reporting capabilities. More recently, many have accelerated cloud migrations and data modernization initiatives in preparation for the next wave of innovation: artificial intelligence. Those investments […]
Credit Card Collections in India: Why Revolving Balance Models Need Different AI
Card NPAs Jumped 28% in a Year, Concentrated Almost Entirely in the Segment Instalment Models Handle Worst TL;DR India’s credit card NPA numbers moved sharply in a short window: a 28.42% year-on-year jump to Rs 6,742 crore by December 2024. The aggregate NPA ratio still looks manageable at roughly 2.3% of total receivables, but that […]
RBI NPA Provisioning Norms 2025: How Changes Affect Middle and Upper Layer NBFC Collections Priority
Two Accounts at the Same DPD Stage Can Have Very Different Provisioning Consequences. Most Collections Models Only See DPD. TL;DR Two accounts, both 95 days past due, can represent very different provisioning consequences depending on the borrower’s total exposure across facilities and the layer classification the lending NBFC falls under. A collections model that only […]
