Paritosh Systemsand Solutions
Field-based recovery for lenders · Pune & Mumbai
Paritosh Systems and Solutions runs on-ground recovery operations for banks and NBFCs, turning overdue accounts into resolved cases through disciplined field visits, verified tracing, and a written record of every interaction.
Every engagement is designed to be defensible on paper as well as effective on the ground — because a recovered account that can't be explained to an auditor isn't fully resolved.
Ground-level tracing of borrowers and guarantors who have moved, changed numbers, or gone quiet — using verified local networks, not guesswork.
Trained field executives conduct in-person visits to open a dialogue, explain outstanding dues, and negotiate a workable repayment path.
Every visit, call, and commitment is logged and time-stamped, so lenders have a clean audit trail that stands up to scrutiny.
Case-wise status updates delivered on a set cadence, so your recovery team always knows exactly where each account stands.
Where field recovery stalls, case files are assembled in a format ready to hand to your legal or SARFAESI team, with the visit history already in order.
The same sequence runs on every case, regardless of size, so lenders always know what stage an account is at.
Lender shares the overdue account with last-known contact and address details.
Our team confirms current whereabouts and re-establishes contact with the borrower.
A field visit is scheduled, dues are explained, and a repayment commitment is discussed.
Payment is collected or a settlement plan is agreed, and the outcome is reported back.
Field recovery carries reputational risk for the lender as much as the agency. These are the working rules every visit follows.
Field staff carry and present identification before any conversation begins, and state which lender they represent.
Visits are scheduled within reasonable daytime hours, in line with standard fair-practice expectations for recovery agents.
Conversations stay focused on dues and repayment options — never threats, intimidation, or contact with unrelated third parties.
Borrower details and account status are shared only with the lender and are not discussed with neighbours, employers, or family beyond what's necessary to trace contact.
Date, time, outcome, and any commitment made are logged the same day, so the file reflects exactly what happened in the field.
If a case can't be resolved in the field, it's reported back promptly with a recommendation, rather than left open indefinitely.
Recovery mandates from institutions that need field coverage across Pune and Mumbai without building an in-house team.
“Recovery done the right way builds a lender's reputation, not just its balance sheet.”
Suvarna Nigade — Proprietor, Paritosh Systems and Solutions
Speak directly with the proprietor about your lending book, case volumes, and how field coverage in Pune and Mumbai can fit into your recovery cycle.
We start from the last-known address and contact details you provide, then cross-check through local field networks before scheduling a visit, so field time isn't spent on stale addresses.
The case is reported back with what was checked and what wasn't found, so your team can decide on next steps — including whether a case is ready for legal escalation.
Reporting cadence is agreed with you upfront — typically after every field visit and on a fixed weekly or fortnightly summary, depending on case volume.
Yes — case batches are logged individually and tracked through the same four-step process, with a consolidated status sheet for the full batch.
Field visits are run from our Pune and Mumbai desks. For accounts outside these two cities, get in touch and we'll let you know what's realistic.
Where to verify recovery-conduct grievances, and the lenders we currently work with.
