Receivable Management

    An AI-powered platform designed for any business that extends goods or services on credit. CarmaOne brings intelligent workflows, automated execution, and nationwide capabilities into one system — covering digital collections, field operations, and legal recovery. Recover faster, maintain customer relationships, and achieve complete visibility across every collection touchpoint.

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    Your Partner in Receivables Excellence

    CarmaOne is a technology-first SaaS platform transforming how lenders and businesses manage their credit and collections ecosystem.

    We offer an end-to-end solution that unifies underwriting, collection services, AI-powered calling, and platform finance into a single intelligent dashboard. CarmaOne automates loan recovery workflows, monitors borrower performance, and delivers real-time insights for smarter decision-making. Our mission is to make lending operations more efficient, transparent, and data-driven — enabling institutions to scale faster while reducing delinquencies and manual overhead.

    CarmaOne combines automation, analytics, and intuitive design to power the next generation of digital lending and collections.

    Everything You Need to Succeed

    Powerful features designed to transform your business operations

    Full business control — You decide collection intensity for each customer based on relationship value

    AI-powered execution — Multilingual AI agents handle automated engagement across SMS, WhatsApp, email, and calls

    Compliance-first approach — Rigorously verified and trained field agents with complete background checks and KYC

    Nationwide coverage — 22+ states, 14,000+ pin codes with professional field operations

    Complete transparency — Real-time dashboards, call recordings, transcripts, and full audit trails

    Legal support — Automated notices, S.138, SARFESI, civil suits, and arbitration with 20+ collection partners

    Proven results — ₹480 crore+ in AUM managed across 25+ clients with measurable recovery outcomes

    Frequently Asked Questions

    Get answers to common questions about Receivable Management

    CarmaOne puts you in complete control. Set different collection approaches for different customers: gentle reminders for good customers to preserve relationships, stern but professional recovery for delinquent accounts, and legal escalation for high-risk cases — only with your approval. You can adjust intensity anytime based on payment behavior and relationship value, ensuring the right approach for every situation.
    Multilingual AI agents and trained human agents handle outreach across SMS, WhatsApp, email, and calls. All calls are recorded, transcribed, and scored for compliance monitoring. Multi-channel reminders adjust automatically based on the collection intensity you set for each customer. This ensures consistent, compliant, and effective engagement at scale without manual intervention.
    Every field agent undergoes complete background and criminal record verification, KYC with virtual ID cards, professional training on ethical practices, and continuous monitoring through compliance audits. Our mobile app with real-time tracking ensures every interaction is professional and compliant — protecting your reputation and ensuring regulatory adherence across all touchpoints.
    We provide automated legal notices via multiple channels for initial escalation. For approved cases, we specialize in S.138 (negotiable instruments), SARFESI (asset recovery), civil suits, and arbitration — with 20+ collection partners and 7+ legal agencies across India. Legal action only proceeds with your explicit approval, giving you complete control over escalation decisions.
    CarmaOne operates nationwide with presence across 22+ states and 14,000+ pin codes. We manage over ₹480 crore in AUM across 25+ clients. Our platform combines digital collections, field operations, and legal recovery into one unified system — whether you're recovering from metro cities or tier-3 towns, we have the infrastructure and partnerships to support you.
    Our proven track record includes ₹5.36 crore recovered in 4 months, ₹2.35 crore settled through negotiation, and ₹2.45 crore recovered in 2 months for various clients. Beyond recovery amounts, you'll gain complete visibility through real-time dashboards, maintain customer relationships through controlled intensity, and scale with confidence knowing every interaction is compliant and professionally managed.