Building Collections Infrastructure
for India's Credit Economy

We're on a mission to transform how India collects - making collections a trusted, intelligent, and integral part of the lending ecosystem that powers the next phase of credit growth.

Why we exist

Collections is broken as a function. It is tabooed as an ecosystem. We are here to change that.

In the past couple of years, lenders modernised how they raise capital, acquire customers, and underwrite risk. Meanwhile collections got stuck in the past, running low on technology, intelligence and worryingly low on ethics.

60k+ collections agencies across India. And most of them rely on manual lists, aggressive tactics in a fragmented approach treating all borrowers alike. This leaves lenders with bad loans and borrowers with dignity deficit damaging the reputation of the whole financial ecosystem.

We are here to change this. We are building the AI-led, empathy-first collections company India has been waiting for - reinventing everything from the ground up, bringing back the dignity it really deserves.

Vision

To collect every loan that is disbursed.

Mission

To enable lenders to collect every loan responsibly by building AI-led, empathy-first collections infrastructure that delivers outcomes at scale.

Our journey

The road to becoming India's most trusted collections partner

1

Mar 2022

Founded as collections SaaS

Ananth and Ranjith left Setu with a simple question: if lending is growing fast, who ensures the money returns?

2

Jun 2022

$0.5M pre-seed raised

Better Capital backed the early vision for modern collections infrastructure.

3

Oct 2022

10 early customers

Early lenders trusted us with portfolios and showed us how broken internal collections processes were.

4

Apr 2023

INR 50 Cr in collections

Our approach delivered real outcomes and the market started paying attention.

5

Jul 2023

$3.25M seed raised

Blume Ventures and India Quotient backed our next stage of ethical, technology-led loan recovery.

6

Aug 2023

Telecalling pilot

We built our own team of advisors who understand that borrowers are usually dealing with temporary financial trouble.

7

Aug 2025

$7M Series A raised

We raised $7M to keep building modern, ethical collections infrastructure for lenders.

8

Dec 2025

Field collections pilot

We launched a pilot program for field collections, testing new strategies and technologies in real-world scenarios.

...

Now

Building toward our vision

We are working on making collections intelligent, ethical, and trusted at scale.

Founded by Operators

Both founders built the Bharat Bill Payment System (BBPS) at Setu before starting DPDzero in 2022

Ananth Shroff

Ananth Shroff

Founder & CEO

CS from PES University. Previously at CleverTap, Unbxd, and Setu - where he led Partnerships and helped build BBPS.

Ranjith BR

Ranjith BR

Founder & CTO

Engineering from SJCE Mysore. Previously at Deloitte, Mammoths, and Setu - where he was Engineering Manager and helped build BBPS.

Backed by the Best

Trusted by leading venture firms and fintech operators

Where we are today

From launch in 2022 to powering collections for India's top financial institutions

₹1,400Cr
portfolio managed per month
2Mn+
monthly borrower interactions
6X
growth since 2024
Zero
borrower escalations

Trusted by

RBL Bank
IndusInd Bank
Aditya Birla Capital
L&T Finance
Cholamandalam
IIFL Finance
Manappuram Finance
TVS Credit
MoneyView
KreditBee
Unity Bank
Slice
Kissht
FlexiLoans
PaySense
Ring
Acre
Vivifi

How we work

The principles that guide our work and decision making

Bar Raising over Box Ticking

We don't just complete tasks, we elevate standards. Every deliverable becomes a benchmark for excellence, pushing the entire team to new heights.

Truth over Comfort

We'd rather face harsh truth, than sugarcoated reality. Radically being honest keeps us sharp, aligned and moving forward.

Builders over Managers

Titles don't build companies, execution does. We value people who roll up their sleeves and get things done over those who just oversee.

Outcome over Activity

We don't celebrate busy, we only celebrate outcomes. Every project, every task, every hour is tied to real measurable value.

Featured in

Economic TimesMoneycontrolBusiness StandardYourStoryMint

We're hiring

We're looking for people who want to build something that matters.
If you're waiting for a chance to make a dent, this is it.

View open roles