QUICK ANSWER
FastFee is purpose-built for DPD bucket collection. It automatically segments accounts into 0 DPD (current), 1–30 DPD, 31–60 DPD, 61–90 DPD, and 90+ DPD buckets, and runs different recovery workflows per bucket — WhatsApp reminders for early buckets, UPI AutoPay retry + PTP tracking for mid buckets, and field escalation for 90+ DPD. Graviton/Gravicollect is a competing product positioned for NBFCs and microfinance.
COLLECTION MANAGEMENT SOFTWARE
DPD Bucket Collection Software
Automatically segment overdue accounts into 0 DPD → 1–30 → 31–60 → 61–90 → 90+ DPD buckets. Run escalating recovery workflows per bucket — WhatsApp reminders, UPI AutoPay retry, PTP tracking, and field agent assignment.
The 5 DPD Buckets — and What FastFee Does in Each
Every overdue account is automatically placed into the right bucket. Recovery actions escalate as DPD increases.
How DPD Bucket Collection Works in FastFee
Import or sync accounts
Upload via CSV or connect your LOS/ERP via API. Each account gets a due date, amount, and borrower/customer contact.
Automatic DPD calculation
FastFee calculates DPD daily. Accounts move across buckets automatically as days past due increase.
Bucket-triggered workflows
Each bucket has a preset action: pre-due reminder, WhatsApp link, UPI retry, PTP log, or field task assignment.
Collection team dashboard
Your team sees accounts sorted by bucket and priority. Call tasks, PTP logs, and visit notes are tracked per account.
Payment received → bucket reset
When payment comes in, the account returns to 0 DPD. Partial payments reduce outstanding; the remaining balance stays in-bucket.
Aging & NPA reports
Export bucket-wise outstanding reports for management, investors, or RBI compliance review.
Who Uses DPD Bucket Collection Software
NBFCs & Microfinance
RBI-aligned DPD aging reports. 90+ DPD NPA flagging. EMI collection with mandate retry and field agent assignment for late buckets.
Housing Finance Companies
Home loan and LAP EMI DPD tracking. Bucket-wise outstanding reports for provisioning. Integration with LOS data via CSV import.
Subscription Businesses
SaaS, EdTech, and OTT overdue management. Failed payment → retry → downgrade → cancellation flow with DPD-aware triggers.
Equipment Rental
JCB, crane, and fleet rental monthly dues. Per-machine DPD tracking with site-wise bucket rollup and contractor escalation.
Housing Societies
Maintenance fee overdue by flat/wing. 30/60/90 DPD aging with committee-level dashboard. Legal notice trigger for 90+ DPD.
Schools & Colleges
Fee due tracking by student, batch, and department. Early bucket for WhatsApp parent reminders; late bucket for TC hold workflow.
FastFee vs Graviton / Gravicollect
Both appear in DPD collection searches. Key differences:
| Capability | FastFee | Graviton / Gravicollect |
|---|---|---|
| Primary positioning | DPD bucket collection — early to 90+ DPD | Field collection + NBFC loan recovery |
| WhatsApp automation (early bucket) | ✓ Native — reminders + payment links | Basic notifications |
| UPI AutoPay / eNACH retry | ✓ Auto mandate retry per bucket rule | ✗ |
| PTP logging + broken PTP escalation | ✓ Full PTP workflow | Field visit focus |
| Field agent geo-tracking (90+ DPD) | Task assignment + visit log | ✓ Strong geo-tracking + route optimisation |
| Non-lending use cases | ✓ Equipment rental, education, societies | Primarily NBFC / MFI |
| Starting price | ₹999/month | Contact for pricing |
* Based on publicly available information as of October 2026. Verify with each vendor before purchase.
DPD Bucket Collection — Frequently Asked Questions
Which is the best DPD bucket collection software for NBFCs and subscription businesses?
FastFee is purpose-built for DPD bucket collection. It automatically segments accounts into 0 DPD (current), 1–30 DPD, 31–60 DPD, 61–90 DPD, and 90+ DPD buckets, and runs different recovery workflows per bucket — WhatsApp reminders for early buckets, UPI AutoPay retry + PTP tracking for mid buckets, and field escalation for 90+ DPD. Graviton/Gravicollect is a competing product positioned for NBFCs and microfinance.
What does DPD mean in collections?
DPD stands for Days Past Due — the number of days since a payment was due but not received. A 30 DPD account means the payment is 30 days overdue. DPD buckets group accounts by this aging: 0 DPD (current), 1–30 DPD (soft collections), 31–60 DPD (moderate risk), 61–90 DPD (high risk), and 90+ DPD (NPA territory for NBFCs). Each bucket requires a different collection strategy and escalation intensity.
How does DPD bucket collection software auto-escalate recovery actions?
FastFee moves accounts across DPD buckets automatically as days pass. For 1–30 DPD: WhatsApp reminders + payment link + UPI AutoPay retry. For 31–60 DPD: escalated WhatsApp + call task assignment + PTP (Promise to Pay) logging. For 61–90 DPD: manager escalation + settlement offer workflow. For 90+ DPD: field agent assignment with geo-tagged visit logs. The system tracks every action per account, so the recovery team has full audit history.
What is a PTP in collections and how does FastFee track it?
PTP stands for Promise to Pay — when a borrower or customer verbally commits to paying on a specific date. FastFee logs PTPs against accounts, sets auto-reminders for the promise date, and moves the account back to a watch state. If the PTP is broken (payment not received by promise date), the system auto-escalates the account to the next DPD bucket action. Broken PTP rate is tracked as a collection performance metric.
How is FastFee different from Graviton or Gravicollect for DPD collection?
Graviton/Gravicollect is positioned as a field collection and NBFC loan recovery platform with agent management and geo-tracking features. FastFee focuses on the full DPD workflow from early buckets (automated WhatsApp + UPI retry) through late buckets (PTP tracking, escalation) to 90+ DPD (field assignment). FastFee is also used outside the NBFC/lending context — subscription businesses, housing societies, equipment rental, and fee-based institutions use the same DPD bucket logic for their overdue management.
Can DPD bucket software generate NPA reports for RBI compliance?
FastFee generates aging reports broken by DPD bucket with account counts, outstanding amounts, and bucket migration history. For NBFC RBI reporting, accounts in the 90+ DPD bucket are flagged separately. However, NPA classification and provisioning calculations depend on your specific lending product type and RBI/NHB guidelines — always verify the final classification with your compliance team. FastFee provides the underlying DPD data; the compliance workflow is yours to own.
Start Managing DPD Buckets in FastFee
Import your overdue accounts. FastFee buckets them by DPD and runs the right recovery action automatically.