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Blogs

Why Your NBFC's PAR Keeps Rising Despite More Collections Agents - And What to Do About It

If this sounds familiar, you are not alone. It is one of the most common - and most frustrating - problems facing NBFCs and fintechs in India today. And it points to a fundamental misunderstanding of what drives collections performance.

FrenzoCollect
22-05-26

Mid Bucket Collections Strategy: Why 30–90 DPD Is Where NBFCs Win or Lose

The 30–90 DPD window - what collections professionals call the mid bucket - is the most consequential and most underserved stage of the delinquency lifecycle. It is where recovery is still highly probable, where the cost of intervention is still manageable, and where the right debt collection platform makes the difference between an account that resolves and one that rolls into NPA.

FrenzoCollect
19-05-26

Bucket X Recovery: The 30-Day Window That Decides Your Portfolio's Future

Bucket X - the first 1 to 30 days after an EMI is missed - is the highest-value, most time-sensitive window in the entire collections lifecycle. Recovery probability here exceeds 80%. Intervention cost is at its lowest. And yet, most lenders treat Bucket X as a warm-up act, deploying their real collections effort only after accounts age into 30, 60, or 90 DPD.

FrenzoCollect
15-05-26

Best Collectech Platform in India 2026: What NBFCs Should Actually Look For

If you've started looking for a collections technology platform, you've probably already noticed the problem.

FrenzoCollect
14-05-26

The Follow-Up Economy - Why India’s Debt Collection Strategy Runs on Persistence, Not Intelligence

This loop - the follow-up economy - is the default operating model of collections in India. It runs on persistence. The assumption is that enough contact attempts will eventually produce a payment. Keep calling. Keep following up. Keep the pressure on.

FrenzoCollect
21-04-26

Do Indian Borrowers Listen Less - Or Do They Just Delay Action?

Loan recovery follow-up in India is one of the most persistent frustrations in NBFC operations. It comes up in every collection review at some point.

FrenzoCollect
17-04-26

Promise to Pay vs Intent to Pay - Decoding Indian Borrower Psychology in Collections

The promise to pay rate is one of the most tracked KPIs across NBFC collections operations in India. Get the borrower to commit. Log the date.

FrenzoCollect
13-04-26

Why Indian Borrowers Say ‘Yes’ but Don’t Pay - The Listening Gap in Collections

Understanding borrower behaviour in debt collection India-wide is one of the most misdiagnosed challenges in the lending industry. Collections managers have heard some version of this story a thousand times.