DPDzero
DPDzero is a Bengaluru-based fintech founded in 2022 that provides AI-native, outcome-based collections infrastructure-as-a-service — orchestrating Voice AI, digital, telecalling, and field channels — for banks, NBFCs, fintechs, and MFIs across India, with 30+ lender clients and ₹140 crore in monthly collections facilitated.
- Company typePrivate
- Founded2022
- HeadquartersBengaluru, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What DPDzero does
DPDzero Technologies Private Limited is a Bengaluru-based fintech founded in March 2022 by Ananth Shroff and Ranjith BR (both ex-Setu founding team) that operates an AI-native collections infrastructure platform for Indian lenders. The company orchestrates multiple collection channels — Voice AI (Tara, supporting 10,000 concurrent calls across 6 Indian languages with 100+ specialist sub-agents), digital messaging (WhatsApp, SMS, IVR, RCS), managed human telecalling (Dialog), and field operations (Pathfinder across 45+ cities and 10,000+ pincodes) — through a proprietary DPD-GPT intelligence layer that scores borrowers in real time, detects anomalies, and recommends next-best-action strategies. Integration with lender Loan Management Systems is delivered via REST API, SFTP, Webhooks, or AWS S3, with a Python-based Dupyter automation engine for workflow orchestration; payment processing is wired through Razorpay, Cashfree, PhonePe, and Setu.
The company sells on an outcome-based pricing model rather than per-seat subscriptions, charging 3-5% commission on early-stage delinquencies and 15-20% on written-off/NPA recoveries, which aligns its revenue directly with lender recovery outcomes. As of late 2025/early 2026, DPDzero reports ₹140 crore in monthly collections run rate, ₹1,400 crore monthly portfolio under management, 30+ active lender clients spanning banks (RBL, IndusInd, Unity SFB), NBFCs (Tata Capital, L&T Finance, Cholamandalam, IIFL, Manappuram, TVS Credit, Aditya Birla Capital), and fintechs (Moneyview, KreditBee, Slice, Kissht, FlexiLoans, PaySense), and 2M+ borrowers touched monthly. The company has cumulatively raised approximately $10.75M across a June 2022 pre-seed (Better Capital), an October 2023 seed (Blume Ventures, IndiaQuotient), and an August 2025 Series A ($7M led by GMO Venture Partners with SMBC Asia Rising Fund, Blume, India Quotient, Sinarmas Group, and Tata Capital).
The business operates under ISO/IEC 27001:2022 certification with all human agents and field staff DRA-certified, claims zero regulatory escalations, and adheres to RBI Fair Practices Code and TRAI DLT/160-series sender ID requirements. DPDzero's value proposition centers on claimed outcomes including 35% recovery rate lift within 90 days, 60% reduction in cost per contact, 2.3x agent productivity improvement, and 50% borrower contact rate increase, delivered through a managed-service model that handles strategy, execution, and reporting end-to-end rather than selling software tooling to lenders.
DPDzero firmographics
Firmographics- Name
- DPDzero
- Legal name
- DPDzero Technologies Private Limited
- Website
- https://dpdzero.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- DPDzero is a Bengaluru-based fintech founded in 2022 that provides AI-native, outcome-based collections infrastructure-as-a-service — orchestrating Voice AI, digital, telecalling, and field channels — for banks, NBFCs, fintechs, and MFIs across India, with 30+ lender clients and ₹140 crore in monthly collections facilitated.
- Ownership category
- akta.pro rank
DPDzero industry classification
Industry- Product category
- Debt Collections Software
- NAICS
- Collection Agencies (561440), Telephone Call Centers (56142), Other Activities Related to Credit Intermediation (522390)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Collections, Recovery & Debt Management Platforms (FSAGAHAI)
- akta.pro secondary industries
- Third-Party Collection Agencies (Consumer) (FSAKAJAB), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where DPDzero is headquartered
LocationHeadquarters
- HQ city
- Bengaluru
- HQ country
- India
- HQ region
- Asia
Offices4 records
Markets served
DPDzero business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Outcome-based Collections Commission: DPDzero charges commissions on successful debt recovery only. They charge 3-5% for early-stage delinquencies and 15-20% for written-off loans or NPAs. This aligns their revenue directly with lender outcomes - they only earn when they successfully recover debt.
- Collections-as-a-Service (Managed Operations): DPDzero runs the full collections operation for lenders, handling Voice AI, digital campaigns, telecalling advisors, and field agents. Pricing is based on the outcome-based commission model rather than flat subscription fees, with all channels managed end-to-end.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Early-stage delinquency commission (3-5%) |
| Transaction based/ take rate | Pay-as-you-go | Written-off/NPA recovery commission (15-20%) |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels6 records
DPDzero product offering
Product offeringCore offering
DPDzero provides collections infrastructure-as-a-service for lenders, orchestrating Voice AI (Tara), digital channels (WhatsApp, SMS, IVR, RCS), managed telecalling (Dialog), and field operations (Pathfinder) on a single platform. Its proprietary DPD-GPT intelligence layer scores every borrower in real time and routes the next-best channel, while Dupyter automates workflow integration with lender LMS systems. Customers are banks, NBFCs, fintechs, and microfinance institutions in India, with pricing tied to recovered debt.
Product overview
DPDzero is a collections infrastructure-as-a-service platform offering a unified, AI-native solution for debt recovery. The platform comprises multiple integrated modules: Tara (AI voice agent) for automated calling, DPD-GPT (AI intelligence layer) for real-time borrower scoring and strategy optimization, Digital Campaigns (WhatsApp/SMS/IVR/RCS) for multi-channel outreach, Dialog (managed telecalling) for human escalation, Pathfinder (field operations) for in-person visits, and Dupyter (automation engine) for workflow orchestration and LMS integration. All channels are coordinated by DPD-GPT which scores every borrower, selects the right channel mix, and adapts strategy based on live outcomes. Lenders receive outcomes (recovered debt) rather than managing vendor coordination across multiple collection channels.
Differentiator
Problem solved
Functional benefit
Brands
- Tara: DPDzero's AI voice agent for debt collections, handling the full call lifecycle including borrower identification, objection handling, Promise-to-Pay capture, and payment link dispatch. Supports 10,000 concurrent calls in 6 languages.
- DPD-GPT
- Dupyter
- Dialog
- Pathfinder
Products and services
- DPDzero Platform End-to-end collections infrastructure-as-a-service for banks, NBFCs, fintechs, and MFIs, unifying Voice AI, digital channels, telecalling, field operations, analytics, and automation.
- Tara (Voice AI) AI voice agent that runs the full outbound collection call lifecycle including borrower identification, due explanation, objection handling, Promise-to-Pay capture, payment-link dispatch, and human escalation.
- DPD-GPT Proprietary AI intelligence layer that scores every borrower, detects portfolio anomalies, selects the optimal channel and message, and surfaces strategy recommendations through natural-language queries.
- Dialog Managed human telecalling advisor service with DRA-certified agents, language matching, predictive dialing, live monitoring, and automatic escalation from Voice AI.
- Pathfinder Pan-India field collections network spanning 45+ cities with DRA-certified agents, GPS-verified visits, geo-tagged photos, distance tracking, and a mobile disposition app.
- Digital Campaigns Multi-channel digital collection campaigns across WhatsApp (92% read rate), SMS (100% device reach), IVR (8+ languages), and RCS, with DPD-GPT-driven segmentation and RBI-compliant templates.
- Dupyter
Quantifiable outcome
- 35% recovery rate lift within 90 days of deployment
- +8 more outcomes
Companies that use DPDzero
Customer profileNamed customers20 records
Segments4 records
Ideal customer profiles1 record
DPDzero technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability12 records
Feature6 records
DPDzero partnerships and signals
Strategic signalScale indicators14 records
Recent moves7 records
Expansion highlights6 records
DPDzero competitors and assessment
Company assessmentDirect peers
- Credgenics: Credgenics is an India-based AI-powered debt recovery and collections platform that serves banks, NBFCs, and fintechs. It is the closest direct competitor to DPDzero, offering digital collection workflows, AI-driven borrower engagement, and field collection management.
- Skit.ai: Skit.ai provides conversational AI voice agents for collections and customer service across multiple industries, including lending. It competes with DPDzero's Tara product on automated outbound collections calling and integrates with lender systems.
- Gnani.ai: Gnani.ai offers speech AI and conversational AI platforms with a strong focus on voice-first customer engagement for BFSI. Its collections-focused voice bots overlap directly with DPDzero's Voice AI capability.
- Yellow.ai: Yellow.ai is an enterprise-grade conversational AI platform with omnichannel customer engagement including collections use cases. While broader than DPDzero, it competes for the same lender CX automation budgets in India and globally.
- Verloop.io: Verloop.io provides conversational AI for customer support and collections, with strong adoption among Indian fintechs and lenders. It directly competes with DPDzero's Digital Campaigns and DPD-GPT strategy modules.
- Ozonetel: Ozonetel is a cloud contact-center and telephony platform serving Indian BFSI for collections and support. Its outbound dialer and contact-center capabilities overlap with DPDzero's Dialog telecalling product.
Broad incumbents
- Perfios: Perfios is a broad Indian fintech data and decisioning platform serving banks and NBFCs with underwriting, fraud, and verification. It is an incumbent in the lender technology stack that DPDzero integrates with or competes against for budget on collections-adjacent workflows.
- Truecaller (Truecaller Business): Truecaller Business offers verified caller ID and communication solutions adopted by many Indian lenders for collections calls. It is a broader communications incumbent that competes for the same lender outreach channels DPDzero orchestrates.
Others
- Setu: Setu is an India-based fintech API infrastructure platform where DPDzero's founders (Ananth Shroff, Ranjith BR) previously worked. It is closely related by team lineage and provides payment and account-aggregation APIs that lenders use alongside collections platforms.
Emerging players
- Observe.AI: Observe.AI is a conversation intelligence and AI-agent platform for contact centers, including collections workflows. It is an emerging global player with partial overlap to DPDzero's analytics and Voice AI capabilities.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
DPDzero social profiles
Digital presenceDPDzero compliance and trust
Trust signalCompliance4 records
DPDzero financial estimates
Financial estimateRevenue estimate
Valuation estimate
DPDzero leadership team
Management profileNumber of profiles
Profiles3 records
DPDzero funding detail
Funding detailFunding overview
Funding rounds4 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DPDzero M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DPDzero
What does DPDzero do?
DPDzero provides collections infrastructure-as-a-service for lenders, orchestrating Voice AI (Tara), digital channels (WhatsApp, SMS, IVR, RCS), managed telecalling (Dialog), and field operations (Pathfinder) on a single platform. Its proprietary DPD-GPT intelligence layer scores every borrower in real time and routes the next-best channel, while Dupyter automates workflow integration with lender LMS systems. Customers are banks, NBFCs, fintechs, and microfinance institutions in India, with pricing tied to recovered debt.
Is DPDzero a public or private company?
DPDzero is a private company. It is classified as venture growth investor backed and is currently operating.
When was DPDzero founded?
DPDzero was founded in 2022. It employs 11 to 50 people.
Where is DPDzero based?
DPDzero is headquartered in Bengaluru, India, in the Asia region.
How does DPDzero make money?
Two revenue lines are on record. Outcome-based Collections Commission is the primary driver. The others are collections-as-a-Service (Managed Operations).
Who are DPDzero's main competitors?
Direct peers on record are Credgenics, Skit.ai, Gnani.ai, Yellow.ai, Verloop.io and Ozonetel. Broad incumbents are Perfios and Truecaller (Truecaller Business). Setu is listed as an others. Observe.AI is listed as an emerging player.
Does DPDzero have an API?
Yes. DPDzero offers a REST API with OAuth Bearer token authentication for bidirectional data sync with lender Loan Management Systems (LMS). The API supports: loan details retrieval, payment updates, and webhook-based event notifications. Integration methods include REST API, SFTP, Webhooks, Email, AWS S3, Direct LMS connector, and CSV/Excel. Webhook events include payment.received, payment.failed, call.completed, call.ptp_captured, message.delivered, message.read, field.visit_completed, and field.ptp_captured. Authentication requires calling /token endpoint with username/password to obtain access token valid for 30 minutes. Developer documentation is at dpdzero.com/docs.
What industry is DPDzero in?
DPDzero's product category is Debt Collections Software. Its primary akta.pro industry code is FSAGAHAI, Collections, Recovery & Debt Management Platforms, with a secondary code of FSAKAJAB, Third-Party Collection Agencies (Consumer). Its NAICS code is 561440 and its SIC code is 7320.