Financial Intelligence Platform

Where AI-powered intelligence meets India's credit economy.

Fincapo equips banks, NBFCs, and ARCs with institutional-grade NPA recovery intelligence. And for individuals — a structured path to credit health.

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₹12L Cr+
India's total NPA book (RBI, 2024)
~60%
Of NPAs estimated recoverable with right intelligence
22+
Indian languages our AI operates in
India NPA Market — RBI Data 2024
Total Gross NPA — Indian Banking System
₹12L Cr+
Source: RBI Financial Stability Report · Dec 2024
PSU Banks — NPA share~4.5% GNPA
Private Banks — NPA share~2.0% GNPA
NBFCs — stressed assets~5.8% GNPA
Industry avg recovery without AI intelligence ~10–15%
Estimated recoverable with precision scoring ~55–65%
Gap Fincapo is built to close This gap
DPDPA 2023 Compliant
256-bit SSL Encryption
Soft Enquiry Only
Tvaram Private Limited, Bengaluru
hello@fincapo.com
Fincapo for Financial Institutions

India's NPA crisis is a ₹12 lakh crore opportunity. Fincapo recovers it.

Most NPA recovery attempts fail because they rely on generic calling scripts, no borrower intelligence, and zero personalization. Fincapo changes the equation — AI-scored portfolios, vernacular outreach, and structured settlement facilitation, all in one platform.

₹12L Cr+
India's banking system carries over ₹12 lakh crore in NPAs. The majority is recoverable — but only with precision intelligence and the right outreach at the right time, in the right language.

Fincapo's institutional platform gives banks, NBFCs, ARC firms, and collections teams a complete NPA intelligence and recovery suite — from portfolio scoring to AI-powered outbound voice recovery in 22+ Indian languages.

Get in Touch → Talk to Sales

NPA Portfolio Scoring & Segmentation

Upload your NPA book. Fincapo AI scores every account by recovery probability, settlement likelihood, and contactability — so your team works the highest-ROI accounts first.

AI-Powered

AI Voice Recovery — 22+ Languages

Outbound voice AI that speaks to defaulters in their native language — Hindi, Tamil, Telugu, Kannada, Marathi, Bengali, and more. Structured conversations, not robocalls.

Vernacular AI

Structured Settlement Facilitation

Fincapo acts as the bridge between your institution and the defaulter — structuring one-time settlement offers, payment plans, and lender–borrower communication, end to end.

Settlement Engine

Pre-Qualified Lead Acquisition

Get creditworthy, intent-driven borrowers matched to your lending products — scored by Fincapo's proprietary eligibility engine. Pay per verified, pre-qualified lead.

B2B Lead Engine

API & Underwriting Integration

Integrate credit profiling, eligibility scoring, and bureau data access directly into your origination or underwriting workflow via clean REST APIs. Go live in days.

API-First
Consumer Products

Financial wellness for every Indian.

Loans, credit repair, and financial guidance — in your language, at your pace. Matched to lending and NBFC partners across India.

Credit Repair

Structured rehabilitation for damaged credit. Dispute filing, settlement negotiation, and score-rebuilding products — guided by a dedicated expert.

  • Bureau dispute management across all 4 bureaus
  • Lender settlement negotiation
  • Step-up credit builder products
  • 6–18 month personalised recovery plan
₹499/month

Loan Marketplace

Pre-qualified loan offers from leading banks and NBFCs across India. Only shows options you'll actually get approved for — based on your live credit profile.

  • Eligibility-first matching engine
  • Soft-check pre-approval before formal apply
  • Personal, home, business, gold, education loans
  • BNPL and small-ticket credit for first-timers
Zero Platform Fee

FinCoach

AI-powered financial advisor in your language. Budget planning, debt management, and pre-loan readiness checks — built for first-generation credit users.

  • EMI affordability and debt payoff planning
  • Pre-loan readiness assessment
  • Income vs expense tracking
  • Available in Hindi, Tamil, Telugu, Kannada, Marathi
22+ Languages

Score Booster

Targeted actions that improve your credit score. Rent reporting, utility tracking, and credit-builder tools that create positive history from scratch.

  • Rent payment reporting to credit bureaus
  • Utility and telecom bill credit tracking
  • Credit limit utilisation optimiser
  • Score simulator — see impact before acting
Score Improvement Programme

Credit Cards

Compare and apply for credit cards matched to your score, income, and spending patterns. Including lifetime-free and step-up cards for thin-file users.

  • Personalised card matching by credit profile
  • Rewards, cashback, and travel comparisons
  • Approval likelihood scoring per card
  • Secured cards for thin-file users
Card Marketplace

Loan Against Assets

Gold loans, loan against property, and loan against vehicles — for borrowers who need immediate liquidity against tangible assets.

  • Gold loans from 7% p.a. onwards
  • LAP up to ₹5 Cr — residential and commercial
  • Loan against car — up to 75% of vehicle value
  • Instant approval decisions
Multiple Asset Classes
Process

From profile to approval in four steps.

1

Understand Your Profile

Tell us your financial situation. We map your credit profile and identify the exact factors affecting your borrowing power.

2

Get Matched

Our eligibility engine matches you to products you'll actually qualify for — loans, cards, or a credit repair plan, based on your real data.

3

Fix & Improve

For credit-damaged profiles — follow your action plan, dispute errors, rebuild history, and track your score as it climbs.

4

Apply & Disburse

Apply for verified pre-qualified offers. Get approved faster because the lender already has your pre-cleared profile.

6-Month Recovery Plan
✓
Credit Audit Complete

All 4 bureau reports pulled. 3 negative items identified across Experian and CIBIL.

✓
Disputes Filed

2 inaccurate entries submitted for correction. Expected resolution in 30–45 days.

→
Settlement in Progress

Negotiating ₹45,000 write-off to settled status with lender. Fincapo managing the process.

4
Credit Builder Product Activated

Secured card to begin positive payment history from Month 4.

5
Score Target: 720+

Projected Good score range by Month 6.

BEFORE
582
→
PROJECTED
730
Credit Repair

A damaged credit score is not a permanent condition.

Missed EMIs, settled accounts, high utilisation, or errors on your report — any of these can lock you out of credit. Fincapo's credit repair programme gives you a structured, expert-guided path back to financial health.

  • Bureau dispute filing — We identify and contest inaccurate or outdated negative entries across all four bureaus.
  • Settlement negotiation — Fincapo sits between you and your lender to negotiate upgrades from write-off to settled, reducing your burden while repairing your record.
  • Credit builder products — Secured credit cards, small EMI loans, and rent reporting to rebuild positive payment history.
  • Score recovery roadmap — A 6–18 month plan with monthly milestones and a dedicated expert at every step.
Start My Credit Repair →
Who We Serve

Institutional and individual — we serve both sides of India's credit economy.

01

Banks & PSU Lenders

NPA portfolio recovery, borrower intelligence, and pre-qualified lead sourcing for public and private sector banks with large retail loan books.

NPA RecoveryPortfolio Scoring
02

NBFCs & Fintechs

Credit profiling, collections intelligence, and alternative underwriting data for non-banking lenders operating in thin-file and sub-prime segments.

Alternative DataCollections AI
03

ARC Firms

Asset Reconstruction Companies get AI-scored portfolios, recovery prioritisation, and structured settlement facilitation — dramatically improving realisation rates.

Realisation RateSettlement
04

Salaried Professionals

Best-rate personal and home loans based on your live credit profile. Score monitoring, card recommendations, and optimisation tools.

Loan MatchingScore Tools
05

Self-Employed & SMEs

Business loans, LAP, and working capital — with lenders who understand ITR-based and cash-flow-based underwriting for the self-employed borrower.

Business LoanLAP
06

Credit-Damaged Borrowers

One bad year shouldn't define your financial future. Structured, expert-guided rehabilitation with a clear timeline and monthly milestones.

Credit RepairRebuilding
Trust & Compliance

Your data. Protected. Always.

256-bit SSL Encryption

All data encrypted at rest and in transit. Zero-plaintext PII storage. ISO 27001 grade infrastructure.

DPDPA 2023 Compliant

Fully compliant with India's Digital Personal Data Protection Act 2023. Your data is yours — always.

Soft Enquiries Only

Eligibility checks on Fincapo use soft enquiries only — your credit score is never affected when we assess your profile.

MCA-Registered Entity

A product of Tvaram Private Limited, registered with the Ministry of Corporate Affairs. CIN: U62099KA2025PTC206951.

FAQ

Frequently asked questions.

You share your NPA portfolio with Fincapo (securely, under a data processing agreement). Our AI scores each account by recovery probability, contactability, and settlement likelihood. We then run AI-powered vernacular outreach, manage settlement negotiations, and provide you with a real-time recovery dashboard. We work on an outcome-aligned fee model.
It depends on your specific situation. Bureau dispute resolution typically takes 30–45 days per item. Settlement negotiation can take 2–3 months. Most users on our structured programme see meaningful score improvement within 3–6 months. We give you a milestone-based plan upfront so you know what to expect at every stage.
The rates shown are indicative starting rates from each lender. Your final rate depends on your credit score, income, employment type, loan tenure, and the lender's assessment. Fincapo shows you personalised pre-qualified offers based on your actual credit profile — so you only see what you're likely to actually get approved for.
No. The loan marketplace is free for borrowers. Fincapo earns a referral commission from the lending institution when a loan is disbursed — at zero cost to you. The credit repair programme (ScoreFix) is a paid subscription starting at ₹499/month.
Fincapo uses 256-bit SSL encryption, ISO 27001 grade infrastructure, and is fully compliant with India's DPDPA 2023. We never sell your data to third parties. All PII is tokenized and stored in compliance with Indian data residency laws. For institutional clients, all data sharing is governed by an executed Data Processing Agreement.
Fincapo is a product of Tvaram Private Limited — a Bengaluru-based martech and data infrastructure company. Tvaram is registered with the Ministry of Corporate Affairs (CIN: U62099KA2025PTC206951) with its registered office at #25, 1st Floor, 1st Main, 2nd Stage, E Block, Rajajinagar, Bengaluru, Karnataka — 560010.

Ready to turn India's NPA crisis
into recovered capital?

Whether you're a bank with a stressed book or an individual rebuilding your financial health — Fincapo has the intelligence to move you forward.

Get in Touch → Learn More