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Intelligence
Policies, playbooks, segment guides, regulatory notes and lessons from past cases.
40 documents, most recently updated first
PlaybookKB-022
An application to transfer the registration or remove our hypothecation, without our no-objection certificate, means the vehicle may be about to be sold. Act the same day.
Head of Collections · Used CV, M&HCV, LCV, SCV, Cars
Updated 6 Oct 2026
Cited by 9 cases
LessonKB-031
In a deficit year, most delinquent tractor loans cure after the rabi harvest. Rescheduling recovered far more than early repossession.
Head of Rural Lending · Tractors
Updated 1 Oct 2026
Cited by 286 cases · 1 decision
LessonKB-027
A fall in toll crossings is not always a parked vehicle. When GPS running hours hold or rise, the vehicle has moved to routes without tolls. How to check before calling it a risk.
Credit risk analytics · SCV, LCV
Updated 30 Sep 2026
Cited by 424 cases
PlaybookKB-011
What to do after a bounce for insufficient funds, and why a mandate cancelled by the customer is treated as urgent.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 29 Sep 2026
LessonKB-019
When a government project stops paying its contractors, the machines go idle within weeks. How to tell a pause from a collapse, and how redeployment saved most of our loans last time.
Head of Construction Equipment Finance · CE
Updated 26 Sep 2026
Cited by 254 cases
LessonKB-014
When a lease suspension stops a mining district, tipper loans fail together. What we learned from an earlier suspension, and what to do in the first two weeks.
Regional credit manager, East · M&HCV
Updated 24 Sep 2026
Cited by 1 case
PlaybookKB-035
When a dealer's first-EMI default rate runs at more than three times the network average, the problem is usually at origination. How to audit the files and what to do with the dealer.
Head of Sales, with Credit Risk · 3W, 2W, SCV, Cars, Tractors
Updated 22 Sep 2026
Cited by 14 cases · 1 decision
Segment guideKB-008
A bus earns only while its fitness certificate and permit are valid. How to track both and what to do when they lapse.
Regional credit manager, North · M&HCV
Updated 18 Aug 2026
Cited by 719 cases
PlaybookKB-036
Floods, strikes, mining bans and project halts hit every loan in a district at once. A checklist for the first week.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 30 Jul 2026
Segment guideKB-030
Diesel is 35 to 45% of a truck's running cost. How a price rise reaches the operator's margin and the instalment.
Credit risk, commercial vehicles · M&HCV, LCV, Used CV
Updated 14 Jul 2026
PolicyKB-001
How the early-warning score is built from 29 signals, what each band means and what the collections team must do at each band.
Head of Credit Risk Policy · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 30 Jun 2026
Regulatory noteKB-026
Principles for collecting, using and showing customer data, including telematics and bureau data. Check the current RBI direction and data-protection law for detail.
Compliance, with Information Security · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 12 Jun 2026
PolicyKB-005
When collections may reschedule an instalment, who approves it, and how it is recorded.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 20 May 2026
PolicyKB-006
Repossession is the last step. The conditions, approvals and conduct that apply before any vehicle is taken back.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 20 May 2026
Segment guideKB-018
Pickups and small cargo vehicles in cities live on e-commerce and quick-commerce contracts. Their usage data reads differently from highway trucks.
Credit risk, commercial vehicles · SCV
Updated 9 May 2026
PlaybookKB-040
Score drops, new loans elsewhere and delinquency at other lenders. What each means, and how much weight to give it.
Credit risk analytics · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 22 Apr 2026
Cited by 784 cases
PlaybookKB-016
Insurance, fitness, permits, road tax and e-challans. Why they matter to us and how to chase each one.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 3W
Updated 17 Apr 2026
PolicyKB-002
Eligibility, loan-to-value, tenure and income assessment for new trucks, tippers, buses, LCVs and pickups.
Chief Credit Officer · M&HCV, LCV, SCV
Updated 1 Apr 2026
PolicyKB-003
Valuation, age limits, inspection and RC checks for used truck and LCV loans.
Head of Used Vehicle Finance · Used CV
Updated 15 Mar 2026
PlaybookKB-015
Two-wheeler loans are small and many. Digital reminders, tele-calling and field visits are used in that order, by bucket.
Head of Retail Collections · 2W
Updated 4 Mar 2026
Segment guideKB-021
How empanelled valuers price a used truck, and what the resale market looks like when we have to sell.
Head of Used Vehicle Finance · Used CV
Updated 27 Feb 2026
PolicyKB-007
How dealers are empanelled, what we monitor every month, and when a dealer is put on hold.
Head of Sales, with Credit Risk · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 12 Feb 2026
PlaybookKB-010
The first 30 days decide most outcomes. Call scripts, timings and what to record for loans in the 1 to 30 bucket.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 22 Jan 2026
Regulatory noteKB-023
The principles that govern how we contact borrowers and recover dues. Check the current RBI direction before relying on any detail.
Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Jan 2026
Regulatory noteKB-024
The principles for notice before repossession, conduct at the time, and the borrower's right to redeem. Check the current RBI direction for the detail.
Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Jan 2026
LessonKB-028
Disbursements jump in October and November. Files logged in the rush default early more often. What we changed.
Credit risk, retail vehicles · 2W, 3W, Cars
Updated 18 Dec 2025
PolicyKB-004
Land holding, instalment frequency matched to the crop cycle, and rainfall checks for tractor loans.
Head of Rural Lending · Tractors
Updated 10 Dec 2025
Regulatory noteKB-025
How overdue accounts move through special-mention categories into non-performing assets, in principle. Check the current RBI direction for the exact rules.
Finance, with Compliance · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 2 Dec 2025
Segment guideKB-034
Personal-use car loans behave like salaried credit; taxi and aggregator cars behave like small commercial vehicles.
Credit risk, retail vehicles · Cars
Updated 25 Nov 2025
PlaybookKB-012
A field visit has three jobs: see the vehicle, hear the borrower, and record both so the next person doesn't start again.
Head of Field Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 14 Nov 2025
LessonKB-029
When freight rates fell by more than 10% on one corridor, small fleets ran at a loss for three months. Which borrowers held, and which signals warned us.
Regional credit manager, West · M&HCV, Used CV
Updated 28 Oct 2025
Cited by 326 cases
Segment guideKB-009
Tippers earn from mining, quarrying and construction. One lease or one project can carry the whole repayment.
Credit risk, commercial vehicles · M&HCV
Updated 6 Oct 2025
PlaybookKB-038
A promise to pay is only useful if it has a date, an amount and a follow-up. How to take one and what to do when it is broken.
Head of Collections · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 3 Oct 2025
Cited by 781 cases
Segment guideKB-017
Three-wheeler borrowers earn daily and pay monthly. How to judge income, and why the dealer matters more here than anywhere else.
Credit risk, retail vehicles · 3W
Updated 30 Sep 2025
PlaybookKB-039
When to contact a co-borrower or guarantor, what to say, and why their own credit matters to the case.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 11 Sep 2025
Cited by 716 cases
Segment guideKB-033
How long-haul and regional haulage operators earn, what their costs are, and how to read their usage data.
Credit risk, commercial vehicles · M&HCV
Updated 19 Aug 2025
PlaybookKB-013
Steps to take when the borrower's phone has been unreachable for seven days or the number has changed.
Collections operations · M&HCV, LCV, SCV, Used CV, Tractors, CE, 2W, 3W, Cars
Updated 8 Aug 2025
Segment guideKB-020
Who buys construction equipment, how they are paid, and the seasons and projects that drive repayment.
Head of Construction Equipment Finance · CE
Updated 21 Jul 2025
Segment guideKB-032
Tractor borrowers, their crop cycles, custom hiring and the regional differences that shape repayment.
Head of Rural Lending · Tractors
Updated 2 Jun 2025
LessonKB-037
Two tippers in a stopped fleet were damaged while their insurance had lapsed. What it cost, and why insurance renewal comes first.
Regional collections manager, East · M&HCV, CE
Updated 16 May 2025
Cited by 776 cases