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Intelligence
Policies, playbooks, segment guides, regulatory notes and lessons from past cases.
21 documents, most recently updated first
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
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
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
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
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
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-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
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
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
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
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
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-032
Tractor borrowers, their crop cycles, custom hiring and the regional differences that shape repayment.
Head of Rural Lending · Tractors
Updated 2 Jun 2025