The Problem · The Platform
Recovery runs on six disconnected tools
When a borrower misses an EMI, the chase begins — but it begins scattered. The LMS knows the money is owed but was never built to chase it. Everything else is improvised.
LMS that can't chase
Branch follow-up Excel
Auction calendar sheet
Word-doc notice templates
Legal team's case notebook
Hand-built monthly board pack
Every handoff loses information. Every report costs an analyst a weekend. Every question gets answered three days late.
One platform, end‑to‑end.
RecSuit runs the recovery operation as a single system — three modules on one shared workflow and services kernel.
A Early Recovery
The polite phase — calls, SMS, field visits, commitments and demand letters. Capture promises, manage cooling-off, follow up. No assets seized, no court approached.
Typically 30–90 days
B Recovery & Enforcement
"We are taking the asset." Pre-repossession notice, field seizure, yard custody with daily charges, independent valuation, single & bulk auction, proceeds distribution.
Typically 60–365 days
C Litigation
The court phase — Arbitration, SARFAESI before DRT, NI Act §138 cheque-bounce, civil suits and execution petitions. Hearings scheduled, adjourned, tracked to order.
180 days – 5 years
What changes for your business
1 One screen per role
A field agent's day starts in their own dashboard — Action Today shows the callbacks due, visits to make, and the case whose cooling-off just ended. No Outlook + WhatsApp + LMS juggling.
2 Workflows you configure
Launching an OTS settlement drive or a Lok Adalat batch is a designer click. The workflow is the screen — change the form, validations and next steps by editing configuration, not deploying code.
3 MIS that is live
Management asks a question and the answer is already on the dashboard. Every form save also writes the snapshot columns the dashboards read — so reports can never go stale.
4 Parallel cases, one view
An Early Recovery case and an NI Act §138 complaint can run on the same loan at once — tracked separately, grouped in one 360° view of the account.
RA
Recovery AdminConfigures workflows, roles & mastersHO
HO ManagerPolicy, dashboards, sign-offsLL
Legal LeadLitigation portfolio & advocatesBH
Branch HeadTeam queues & escalationsFA
Field AgentCalls, visits, commitments
The Journey · Where RecSuit Fits
The journey of a delinquent loan
One continuous arc — RecSuit owns every step after the LMS hands off a defaulting account.
1
Day 30–60
Eligibility & claim
Engine spots DPD ≥ threshold and opens an Early Recovery case in the unclaimed pool. An agent claims it.
2
Day 60–90
Escalation
No recovery? Branch head approves escalation. The case closes and a Recovery & Enforcement case opens.
3
Day 90–180
Seize & auction
Locate, seize, yard, value, auction. Proceeds net against OS — surplus returns, shortfall stays open.
4
Day 180+
Litigate & close
Shortfalls feed SARFAESI / Arbitration / §138. Cases close: Recovered, Settled, Enforced, Written-off.
RecSuit is not your LMS — it completes it
The LMS is where the loan is born and lives while it behaves. RecSuit is where it goes when it stops.
| Loan Management System (LMS) | RecSuit |
|---|
| Purpose | System of record for the loan | Operations engine for recovery |
| Lifecycle stage | The loan's healthy life | Post-delinquency, until the matter closes |
| Built around | Accounts and balances | Cases, workflows and actions |
| Owns | Origination, KYC, disbursal, EMI schedule, GL, bureau reporting | Calls, notices, repossession, auction, litigation, MIS |
| Core question | "What is owed, by whom, on what terms?" | "Who is doing what, today, to get it back?" |
| Account data | Authoritative source of truth | Read-only snapshot — never edited, never drifts |
RecSuit reads a one-way snapshot from the LMS and stays the single source of truth for what is being done about a default — complementary, never competing.
Built right, where it matters
- Single source of truth. The account snapshot is read-only — RecSuit never silently drifts from your LMS.
- Audit-grade by design. Cases are add-only, no hard deletes, every change traceable.
- RBAC that survives aggregation. A branch head drilling into "SARFAESI 91–180" sees their branch — not the whole tenant.
- Reports can't go stale. One save path writes both the form and the snapshot columns dashboards read.
- Server-side everything. Pagination and scope enforced on the server — no grid ships 50,000 rows to a browser.
Capabilities · Get Started
Everything the recovery floor needs
A shared workflow kernel under purpose-built modules — extended by configuration, not custom code.
★ Eligibility engine
Add-only identification of actionable accounts at a point in time. Inserts cases when criteria are met; never auto-removes — removal is only via closure. Full audit and accountability.
★ Enterprise Workflow Framework
Metadata-driven, parent-child capable. Every case type carries its own workflow; the current state determines the form, validations and next allowed transitions.
★ Case groups & drives
Auction, Lok Adalat, OTS and conciliation modeled as one generic case-group entity — run a batch event over many cases while each case stays the single source of truth.
★ Repossession & auction
Yard custody with daily charge accrual, independent valuation, reserve pricing, single & bulk auction, winning-bid capture and surplus / shortfall distribution.
★ Litigation register
SARFAESI, Arbitration, NI Act §138, civil suits and execution petitions — hearings, adjournments, orders, awards and court-cost vouchers tracked to closure.
★ Snapshot-based MIS
Executive dashboards for book OS, NPA %, aging-bucket mix, litigation aging, cash collected vs target and SLA breaches — drill-down honours role scope.
Stop stitching spreadsheets. Start closing cases.
One screen per role · one configurable engine per workflow · one live dashboard for the whole book.
RecSuit runs your recovery operation — for the entire life of a delinquent loan.
RecSuit is a Recovery & Litigation Management Suite by SYUT Technologies, purpose-built for Indian NBFCs. Scope covers post-delinquency recovery operations — loan origination, KYC, GL postings and credit-bureau reporting remain with the LMS / ERP. Module and feature availability is indicative and evolving; figures and comparisons are for illustrative positioning. © 2026 SYUT Technologies. All rights reserved.
