Best NBFC Collection Software
India 2026 — Full Buyer Guide
Compare the top 5 NBFC loan collection apps in India — DPD tracking, eNACH mandates, PTP management, field agent app and pricing reviewed for NBFCs under 50,000 active loan accounts.
📋 Book Free NBFC DemoTop 5 NBFC Collection Software — India 2026
Compared on DPD tracking, eNACH, PTP, field app, WhatsApp automation, and pricing
FastFee
AI-powered collection OS — DPD buckets, eNACH, PTP, field app, WhatsApp reminders
Credgenics
End-to-end enterprise collections — telecalling, field, legal, analytics
Edesy
Loan collection and DPD management with configurable workflows
Credility goCollect
Case allocation, tele-collections, field recovery and digital reminders
ACTiVO Suite
Mobile recovery workflows with file-based bank integration
Why FastFee is the Best NBFC Collection Software for <50K Accounts
Enterprise platforms like Credgenics are built for banks with 5 lakh+ accounts and dedicated IT teams. FastFee delivers the same core collection intelligence — DPD, eNACH, PTP, field app — without the enterprise overhead.
DPD Bucket Segmentation
Automatically classifies all loan accounts into 0–30, 31–60, 61–90, and 90+ DPD buckets aligned to RBI NPA norms — collection team always works the right priority.
eNACH Mandate Management
Set up UPI AutoPay or eNACH mandates once per borrower. Dues auto-debit monthly. Failed mandates trigger instant WhatsApp follow-up + DPD escalation.
Promise-to-Pay (PTP) Tracker
Log every PTP commitment. Auto-remind on promised date. Broken PTPs escalate automatically to manager → field visit → legal notice trigger.
Field Agent Android App
Agents see allocated accounts, log visit outcomes, collect cash and UPI on-site, capture GPS-tagged proof, and update PTP — all offline-capable.
WhatsApp AI Reminders
Automated pre-due and post-due reminders with one-click UPI payment links. Borrowers pay without calling — 60% of collections happen via WhatsApp within 48h.
RBI-Aligned Compliance
Aging reports in RBI NPA format, audit trails for all collection actions, digital receipt generation, TDS tracking on loan interest, and role-based access control.
LMS Integration (No Code)
Import borrower data from any LMS via Excel/CSV. No API needed for 95% of deployments. REST API available for live sync. Payments export back to LMS.
Collection Intelligence Dashboard
Real-time dashboard: bucket-wise outstanding, agent productivity, daily collection target vs. achievement, cash-in-hand reconciliation, and roll-rate trends.
FastFee vs Credgenics — Side-by-Side for NBFCs
| Requirement | FastFee | Credgenics |
|---|---|---|
| Best for | NBFCs & MFIs under 50K accounts | Large banks & NBFCs 50K+ accounts |
| Setup time | Same day (Excel/CSV import) | Weeks to months (API integration) |
| DPD bucket tracking | ✓ 0–30, 31–60, 61–90, 90+ DPD | ✓ Advanced delinquency analytics |
| eNACH mandates | ✓ Setup + failed mandate retry | ✓ Enterprise eNACH workflows |
| PTP tracking | ✓ Auto-escalation on broken PTP | ✓ AI-powered PTP follow-up |
| Field agent app | ✓ Android, offline, GPS proof | ✓ CG Collect enterprise app |
| WhatsApp reminders | ✓ Automated + UPI payment link | ✓ Enterprise WhatsApp API |
| Pricing | Flat annual subscription — no per-txn cut | Enterprise contract ₹10L+/year |
| IT integration required | ✗ No (Excel/CSV) | ✓ Yes (LMS API) |
Frequently Asked Questions — NBFC Collection Software
What is the best NBFC collection software in India 2026?
The best NBFC collection software for small to mid-sized NBFCs and MFIs in India is FastFee — it provides DPD bucket segmentation (0–30, 31–60, 61–90, 90+ days), eNACH mandate setup and retry, promise-to-pay (PTP) tracking, field agent task allocation, WhatsApp automated reminders with UPI payment links, and real-time collection dashboards. For enterprise-scale banks and large NBFCs, Credgenics is the dominant platform. FastFee is designed for NBFCs under 50,000 active loan accounts that need quick deployment and no IT integration overhead.
What is DPD tracking in NBFC collection software?
DPD (Days Past Due) tracking classifies overdue loan accounts into buckets based on how many days the EMI is overdue: 0 DPD (current), 1–30 DPD (early delinquency), 31–60 DPD, 61–90 DPD, and 90+ DPD (NPA risk). FastFee automatically segments all borrower accounts into DPD buckets aligned with RBI NPA norms, so collection teams work the most urgent accounts first and avoid unnecessary write-offs.
How does FastFee handle eNACH for NBFCs?
FastFee sets up eNACH (electronic NACH) mandates for NBFC borrowers — borrowers authorise a standing instruction via net banking, and FastFee auto-debits the EMI amount on the scheduled date each month. Failed mandates are flagged immediately, retried on the next business day, and escalated to the collection team with WhatsApp follow-up. This eliminates the manual UPI-link-sharing cycle for regular borrowers.
What is PTP tracking in loan collection software?
PTP (Promise-to-Pay) tracking lets collection agents log when a borrower commits to paying on a specific date. FastFee tracks every PTP commitment — if the payment arrives on the promised date, the account is auto-closed. If the borrower misses the PTP, FastFee auto-escalates to the next collection action (manager alert, field visit, or legal notice trigger) so broken promises never fall through the cracks.
Is FastFee better than Credgenics for small NBFCs?
Yes, for NBFCs with under 50,000 active loan accounts, FastFee is typically a better fit than Credgenics. Credgenics is an enterprise platform designed for large banks and major NBFCs — it requires API integration with your LMS, months of implementation, and high-value annual contracts. FastFee onboards in days, uses Excel/CSV for borrower imports (no API needed), provides the same DPD, PTP, eNACH and field collection features, and starts at a flat annual subscription with no per-transaction cut.
Does FastFee have a mobile app for field collection agents?
Yes. FastFee has an Android field collection app where agents see their allocated overdue accounts, log visit outcomes, record cash and UPI collections on-site, capture GPS-tagged visit proof, and update PTP commitments in real-time. The supervisor dashboard shows agent-wise collection performance, route efficiency, and cash-in-hand outstanding.
What is the pricing of FastFee for NBFCs?
FastFee charges a flat annual subscription for NBFCs — no per-transaction percentage cut and no per-account fee. Pricing is based on active loan accounts and required workflows (digital reminders only vs. full field collection + eNACH). Credgenics charges enterprise contracts starting at several lakhs per year. Edesy and similar tools are project-priced. FastFee is the most accessible option for NBFCs and MFIs under 50,000 accounts.
How does FastFee handle failed eNACH mandates?
When an eNACH debit fails — due to insufficient funds, mandate suspension, or technical rejection — FastFee immediately flags the account, moves it to the appropriate DPD bucket, sends a WhatsApp reminder to the borrower with a one-click UPI payment link, and creates a collection task for the agent. The system retries on the next eligible debit date and logs the failure reason for compliance reporting.
What NBFC compliance features does FastFee support?
FastFee supports RBI-aligned aging reports with 30/60/90+ DPD breakdowns, eNACH mandate compliance, digital receipt generation, TDS tracking on loan interest, audit trails for all collection actions, and role-based access control for collection staff. The system generates daily, weekly, and monthly collection performance reports suitable for NBFC board reporting and RBI inspections.
Can FastFee integrate with an existing LMS?
FastFee imports borrower data and EMI schedules from any existing Loan Management System (LMS) via Excel/CSV export. This covers 95% of NBFC deployments without any API work. For NBFCs needing live API sync, FastFee provides a REST API. Payments and collection status export back to the LMS via CSV for reconciliation.
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