Every rupee, back
up the bucket ladder.
Gravicollect is a collections command centre. Every account sits in a DPD bucket with a treatment strategy that fires on its own — reminders, field routes, escalation, NPA action — and every rupee collected is receipted, reconciled and reflected in the book the same day.
THE COCKPIT · TRY IT LIVE
Pick a bucket. Watch the strategy fire.
A live model of the Gravicollect command centre — the same buckets, queues and treatment your team works in. Illustrative book; your DPD ranges, strategies and thresholds are your own.
Ranges reported by lenders using Gravicollect. Your results depend on portfolio mix, geography and field-team coverage.
THE FIELD SUITE
A route in the pocket, a receipt in the hand.
Officers open the app to a prioritised route built from last night's bucket run. Each visit: collect by dynamic QR or cash, issue an instant digital receipt, record a promise-to-pay — geo-tagged, timestamped, synced. Cash deposits close through teller management, so the drawer always matches the ledger.
DPD 12 · bucket 1–30
No rupee sleeps unmatched.
Every receipt carries its loan account, demand and UTR from birth — so matching isn't a month-end project, it's a property of the data. What can't auto-match lands in one queue with an owner and a clock.
PORTFOLIO VIEW
One account was a story. The book is a portfolio.
Roll-rates, PAR and collection efficiency across every bucket — the numbers your CXO reviews, drawn live from the same book the field is working.A PLATFORM THAT COMPOUNDS
Collections keep getting sharper.
You inherit the roadmap, not a frozen install. Every lender runs the same version, and each capability below shipped to all of them — documented and published, not held for a contract renewal.Buckets that classify
Delinquency buckets drive asset classification from your DPD ranges; applicant-level NPA tagging cascades to all linked accounts, and unpaid accrued interest moves to a product-mapped suspense account.
Every channel, matched
eNACH re-presentation, UPI, BBPS, dynamic QR and cash with digital receipting — reconciled the same day, with configurable repayment appropriation across principal, interest and fees.
The route, in the pocket
Prioritised field routes, geo-tagged visits, PTP capture and teller management — with legal notice and repossession tracking for late-stage cases, all synced back to the book.
RUN IT WITH CONFIDENCE
Built for teams that answer to a regulator.
The facts your CRO, CISO and compliance heads ask for before a rupee moves through it.Reconciliation integrity
Every receipt carries account, demand and UTR; unmatched entries are owned and clocked.
Deployment, your way
Cloud or on-premise, single-tenant where you need it, with data residency in India.
Cash accountability
Teller and cashier management with digital receipting so the drawer always matches the ledger.
Access & audit
MFA and role-based access; every collection geo-tagged, timestamped and logged.
Gravicollect, in practice.
The questions collections, risk and IT heads ask before moving a live book.
The collections product in the Graviton suite — DPD-bucket delinquency management, field collection with dynamic QR and digital receipting, cash and teller management, and same-day automatic reconciliation across eNACH, UPI, BBPS and cash.
A nightly DPD run moves every account into its bucket and applies the treatment configured for that bucket — from eNACH re-presentation and reminder cadences in early buckets, to field allocation and supervisor escalation in the middle, to NPA tagging and legal action in the late buckets. The intensity escalates as DPD grows, and every step is logged.
Officers get a prioritised daily route by bucket. Each visit collects against a dynamic QR or cash with an instant digital receipt; every collection is geo-tagged and timestamped, reconciles automatically the same day, and cash closes the loop through teller management so the drawer always matches the ledger.
Yes. Every receipt carries its loan account, demand and UTR from birth, so receipts, ledgers and bank statements reconcile automatically across channels. What cannot auto-match lands in one owned queue with a 24-hour clock. Lenders report a 45% boost in collections with the field suite.
Delinquency buckets drive asset classification from your configured DPD ranges. When any one account of an applicant turns NPA, all linked accounts are tagged automatically; unpaid accrued interest moves to a product-mapped interest suspense account, and repayment appropriation follows a configurable strategy — for example Principal → Interest → Fees.
eNACH presentation and re-presentation, UPI and BBPS, dynamic QR per demand, payment gateways, and cash with digital receipting and teller management — all reconciled the same day and posted to servicing and accounting.
Yes. Gravicollect runs standalone or alongside Graviton LMS and other core systems, posting reconciled collections back into servicing and accounting the same day.
See your collections run on Gravicollect.
A working session on your buckets, treatment strategies and channels — cash-heavy geographies included. We'll model your DPD ladder and show a collection reconcile end to end.
Book a demo
Thirty minutes with a product specialist, on data shaped like your book. We respond within one working day.
Request a demoOr email neeraj@kugelblitz.xyz