What Credgenics does

Credgenics (legally Analog Legalhub Technology Solutions Pvt. Ltd.) is a Noida, India-based SaaS company founded in 2018 that operates a full-stack AI-powered debt collections and recovery platform. Its technology architecture unifies digital communications (SMS, WhatsApp, email, IVR, chatbots in 8+ languages), the proprietary Swara GenAI Voicebot for human-like calling interactions, the CG Collect mobile field collections app supporting 22+ Indian languages plus Bahasa and Vietnamese, the Billzy digital payment platform with NACH integration, the DialNext predictive dialer, a litigation management system, an Online Dispute Resolution module in partnership with JCAM, and ML-based collections analytics covering risk segmentation, bounce prediction, and recovery scoring. The platform is ISO 27001 certified and exposed via REST APIs, with AI reportedly handling 70–80% of backend operations. The company has accumulated a proprietary dataset spanning $250Bn+ in retail loan value, 100Mn+ loan accounts, and 50Mn+ unique borrowers, which continuously trains its predictive models.

The platform serves 150+ BFSI lenders across India, with marquee customers including Axis Bank, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, IDFC First Bank, YES Bank, Tata Capital, Bajaj Finserv, Mahindra Finance, IIFL Finance, L&T Finance, DMI Finance, and Amazon, alongside ARCs (Reliance ARC, ARCIL, Tyger Capital, Encore ARC) and fintech lenders (Sarvagram, Snapmint, Davinta). Credgenics has expanded its GTM into insurance via CredInsure (March 2026) and into consumer credit via FixMyScore.ai (January 2026), and now operates offices in Noida, New Delhi, and Jakarta, supporting Southeast Asia expansion. Reported outcomes for customers include 80% recovery rates across delinquent accounts, 5x ROI, 20% improvement in resolution rates, 60% improvement in legal efficiencies, and 30% reduction in time to collect.

The business model is enterprise SaaS subscription sold via direct field sales with quote-based annual licensing; the company does not publicly disclose pricing. Additional revenue streams include managed collections servicing, insurance platform subscriptions (CredInsure), and B2C settlement/bank-partnership fees (FixMyScore.ai). Credgenics has raised $78M in venture funding across a 2020 seed ($3.3M), a 2021 Series A ($25M led by Westbridge Capital, Tanglin Venture Partners, Accel), and a 2023 Series B ($50M led by Westbridge Capital and Accel), reaching a $340–350M post-money valuation. FY25 (year ending March 2025) results showed revenue growing 40% YoY with profit tripling to Rs 25 crore. The company has been recognized as India's Best Selling AI-powered Loan Collections Platform by IBSi for three consecutive years (2022–2024) and was included in the FT-Statista High-Growth Companies Asia-Pacific 2026 list.

Name

Credgenics

Legal name

Analog Legalhub Technology Solutions Pvt. Ltd.

Website

https://credgenics.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Credgenics is an India-based SaaS company that provides an AI-powered full-stack debt collections and recovery platform to 150+ banks, NBFCs, ARCs, fintechs, and MFIs across India and Indonesia, with expanding operations in insurance and consumer credit.

Ownership category

akta.pro rank

Product category

Debt Collections Software

NAICS

Software Publishers (513210), Telemarketing Bureaus and Other Contact Centers (561422)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt collections software
• Loan recovery platform
• Collections automation
• Legal recovery software
• Delinquency management

Headquarters

HQ city

Noida

HQ country

India

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscriptions: Subscription-based licensing model for debt collections platform. Users pay license fees for access to full-stack collections platform including digital communications, analytics, field collections, payments, dialer, litigation management and ODR modules.
2. Collections Servicing: End-to-end collections servicing across the loan lifecycle through empowered team of specialists
3. Insurance Solutions (CredInsure): AI-powered engagement platform for insurance companies with revenue from renewals management, premium collections, and upsell/cross-sell services
4. Consumer Credit Services (FixMyScore): B2C credit score improvement platform generating revenue from bank partnerships and settlement fees

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Credgenics provides an AI and ML-powered full-stack SaaS platform for debt collections and resolution serving banks, NBFCs, fintechs, ARCs, HFCs, and MFIs. The platform unifies digital communications (SMS, WhatsApp, email, IVR, chatbots), AI voicebot (Swara), predictive dialer, field collections mobile app (CG Collect), digital payments (Billzy), litigation management, ML-based analytics, online dispute resolution, and managed collections servicing. The company has extended into insurance (CredInsure) and consumer credit (FixMyScore.ai), and is trusted by 150+ lenders globally.

Product overview

Credgenics offers a unified full-stack AI-powered debt collections and resolution platform serving Banks, NBFCs, Fintechs, HFCs, MFIs, and ARCs. The platform is architected as a core integrated platform with multiple specialized modules: Digital Debt Collections (omnichannel digital outreach), Swara GenAI Voicebot (AI voice interactions), CG Collect Field App (mobile field collections), Billzy (digital payment processing), Digital Communications (multichannel outreach), Litigation Management Platform (legal recovery tracking), Debt Collection Analytics (ML-based insights), DialNext Predictive Dialer (AI-powered calling), Online Dispute Resolution (mediation), Collections Servicing (managed services), and Collections for ARC. The company has expanded into adjacent verticals with CredInsure (insurance policy management) and FixMyScore.ai (B2C credit score improvement), demonstrating a platform-plus-extensions product strategy.

Differentiator

Problem solved

Functional benefit

Brands

• CredInsure: AI-powered engagement platform for insurance companies for renewals, premium collections, upsell, and cross-sell with AI-based payment-intent prediction, omnichannel communications, and GenAI Voicebot.
• Billzy
• Swara
• FixMyScore.ai
• CG Collect

Products and services

• Digital Debt Collections AI-powered digital collections platform managing omnichannel borrower outreach (SMS, WhatsApp, email, IVR, voicebots) with personalized borrower journeys and automated engagement workflows for Banks, NBFCs, Fintechs, and ARCs.
• Swara GenAI Voicebot Generative AI-powered voice assistant providing human-like phone interactions with intent identification and sentiment analysis, capable of sharing payment/settlement links and conducting follow-ups for Banks, NBFCs, Fintechs, and ARCs.
• CG Collect Field Collections App Mobile application for field collection agents featuring real-time collector tracking, geo-tagging, offline capabilities, multilingual support in 22+ Indian languages plus Bahasa and Vietnamese, and in-app calling and legal notice access for Banks, NBFCs, MFIs, and ARCs.
• Billzy Digital Payment Platform DIY web and mobile payment platform enabling borrowers to pay across multiple payment modes with OTP-based verification; supports instant payment link generation, real-time reconciliation, and recurring auto-debit via NACH mandate for Banks, NBFCs, Fintechs, and ARCs.
• Digital Communications Multi-channel outreach platform engaging borrowers in 8+ languages via SMS, WhatsApp, email, IVR, AI Voicebots, and chatbots, with policy controls for DND, frequency, daytime controls, and date exclusions for Banks, NBFCs, Fintechs, and ARCs.
• Litigation Management Platform Automated pre-legal and legal notices management platform for tracking Section 138, Arbitration, and SARFAESI cases in real time, monitoring advocate performance, and streamlining legal recovery workflows for Banks, NBFCs, and ARCs.
• Debt Collection Analytics ML-based analytics providing risk segmentation, optimal channel selection, borrower intent analysis, performance tracking, bounce prediction, and recovery scoring to guide collections strategy for Banks, NBFCs, Fintechs, and ARCs.
• DialNext Predictive Dialer AI-powered predictive and auto dialer with risk-based lead targeting and live agent performance tracking for high-volume inbound and outbound collections calling at Banks, NBFCs, Fintechs, and ARCs.
• Online Dispute Resolution Financial dispute resolution platform operated in partnership with Jupiter Council for Mediation and Arbitration (JCAM) enabling swift resolution of borrower-lender disputes through structured mediation and arbitration for Banks, NBFCs, Fintechs, and ARCs.
• Collections Servicing Managed collections services delivered by a specialist team of collection agents empowered by Credgenics technology across the entire loan lifecycle for Banks, NBFCs, Fintechs, and ARCs.
• Collections for ARC Debt collections and resolution services tailored for Asset Reconstruction Companies (ARCs), leveraging AI-driven digitization and data analytics to accelerate recoveries on distressed assets for firms like Reliance ARC, ARCIL, Tyger Capital, and Encore ARC.
• CredInsure AI-powered engagement platform for insurance companies supporting renewals, premium collections, upsell, cross-sell, and policy persistency management with AI-based payment-intent prediction, omnichannel communications, GenAI voicebot and videos, dialer, WhatsApp, and document management.
• FixMyScore.ai AI-driven B2C credit score improvement and repayment platform for retail borrowers in India, offering personalized video analytics and planning tools, multilingual content, and smart recommendations in partnership with India's leading credit bureau. Targets 100,000 users by March 2026, scaling to 3-4 million by FY27, with revenue from bank partnerships and settlement fees.

Quantifiable outcome

• 80% recovery across delinquent accounts
• +6 more outcomes

Named customers25 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability13 records

Feature11 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• Jupiter Council for Mediation and Arbitration (JCAM)coreStrategic or Co-development PartnerStrategic partnership for Online Dispute Resolution (ODR) services. JCAM provides mediation and arbitration services integrated into Credgenics platform for resolving financial disputes swiftly.
• Reliance Asset Reconstruction CompanyflagshipTechnology or IntegrationEarly adopter of Credgenics AI-powered debt recovery platform for ARCs launched December 2023. Reported improved recovery efficiency and strengthened legal communication process.
• Tyger CapitalcoreTechnology or IntegrationStrategic partnership for redefining collections with innovative tech solutions. Tyger Capital leverages Credgenics technology for enhanced debt recovery processes.
• India's Leading Credit BureaucoreStrategic or Co-development PartnerCollaboration for FixMyScore.ai platform providing credit bureau insights and data for personalized credit score improvement recommendations and video analytics.

Scale indicators13 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Perfios: Indian fintech SaaS platform serving lenders with credit decisioning, KYC, and collections analytics. Closest direct competitor to Credgenics in the AI-powered lending/collections software stack serving Indian BFSI.

Broad incumbents

• Firstsource Solutions: Large global BPO with strong financial-services collections and customer management practice in India. Competes with Credgenics on the collections-as-a-service and contact-center dimensions.
• Concentrix: Global customer experience and collections BPO with significant India operations. Provides outsourced collections to banks and NBFCs that overlap with Credgenics' Collections Servicing offering.
• Teleperformance: World's largest contact-center operator with deep financial-services collections capabilities globally and in India. Competes for outsourced collections and customer engagement contracts that Credgenics targets.
• Genpact: Global professional services firm with large financial-services collections and risk practice. Provides technology-enabled collections and recovery services to global and Indian banks and lenders.
• WNS Holdings: BPO with strong financial-services vertical including collections and customer management for global banks. Competes with Credgenics on collections servicing for BFSI clients.
• TransUnion CIBIL: India's leading credit bureau and a unit of TransUnion. Provides credit information, analytics, and decisioning services to the same BFSI customers Credgenics serves, and is also a data partner via the FixMyScore credit bureau relationship.
• Experian India: Global credit information company with India operations providing credit reports, scoring, and analytics to banks, NBFCs, and fintechs — competing for the same BFSI wallet and offering overlapping analytics capabilities.

Emerging players

• Karza Technologies: Indian data-and-decisioning SaaS for financial services (now part of Perfios group). Provides KYC, credit decisioning, and risk analytics APIs serving similar lender customers as Credgenics.

Others

• Temenos: Global banking software platform serving retail and commercial banks. While not a direct collections competitor, Temenos provides adjacent core-banking and CRM-adjacent capabilities that influence Credgenics' enterprise customers' technology choices.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/credgenics
• YouTubeyoutube.com/@credgenics
• Facebookfacebook.com/credgenics
• LinkedInlinkedin.com/company/credgenics
• Instagraminstagram.com/credgenics/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credgenics