Credgenics Review 2026: Debt Collections & Recovery APIs

Quick Verdict

Credgenics is the largest AI-powered collections platform in India. Manages ₹750cr+ monthly collections for 70+ lenders. AI automates collection workflows (dialer, messaging, legal notices), agents manage field collections. Used by personal lending, home lending, and B2B credit platforms. Custom pricing based on collections volume and case complexity.

What is Credgenics?

Credgenics, founded 2016 in New Delhi, provides complete collections infrastructure: AI-powered dialing, SMS/email automation, legal notice generation, field agent management, and DMS (Dealer Management System) for vehicle recoveries. For every loan default, Credgenics orchestrates recovery.

📞 AI Dialer

Automated outbound calling, IVR, call recording. Prioritizes borrowers by default risk.

💬 Messaging

SMS, WhatsApp, email automation. Multi-channel collections follow-up.

⚖️ Legal Automation

Auto-generate legal notices, court filings. Compliance with IPC/CPC sections.

👥 Agent Management

Field agent allocation, GPS tracking, daily performance dashboards.

📊 Analytics

Recovery rates by agent, channel, borrower segment. Collections funnel analysis.

🚗 DMS

Vehicle recovery tracking and logistics (for auto/two-wheeler loans).

Pricing

Custom pricing based on monthly collection volume and case complexity. Typical models: flat ₹100–500/case or 0.5–2% of recovered amount.

Who Should Use

✅ Personal lending platforms (NBFC, fintech) with loan defaults
✅ Home & auto lending for field recovery + legal escalation
✅ B2B credit platforms (invoice financing, working capital)
❌ Not for: Consumer facing (compliance risk)

FAQs

How much does Credgenics cost?

₹100–500/case or 0.5–2% of recovered amount. Volume discounts above 10K cases/month.

Credgenics