Vision
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
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
Mission
Our journey
Mar 2022
Ananth and Ranjith left Setu with a simple question: if lending is growing fast, who ensures the money returns?
Jun 2022
Better Capital backed the early vision for modern collections infrastructure.
Oct 2022
Early lenders trusted us with portfolios and showed us how broken internal collections processes were.
Apr 2023
Our approach delivered real outcomes and the market started paying attention.
Jul 2023
Blume Ventures and India Quotient backed our next stage of ethical, technology-led loan recovery.
Aug 2023
We built our own team of advisors who understand that borrowers are usually dealing with temporary financial trouble.
Aug 2025
We raised $7M to keep building modern, ethical collections infrastructure for lenders.
Dec 2025
We launched a pilot program for field collections, testing new strategies and technologies in real-world scenarios.
Now
We are working on making collections intelligent, ethical, and trusted at scale.
Both founders built the Bharat Bill Payment System (BBPS) at Setu before starting DPDzero in 2022
Trusted by leading venture firms and fintech operators
From launch in 2022 to powering collections for India's top financial institutions
Trusted by


The principles that guide our work and decision making
We don't just complete tasks, we elevate standards. Every deliverable becomes a benchmark for excellence, pushing the entire team to new heights.
We'd rather face harsh truth, than sugarcoated reality. Radically being honest keeps us sharp, aligned and moving forward.
Titles don't build companies, execution does. We value people who roll up their sleeves and get things done over those who just oversee.
We don't celebrate busy, we only celebrate outcomes. Every project, every task, every hour is tied to real measurable value.
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.