What CreditNirvana does

CreditNirvana is an AI-native debt management and collections platform headquartered in Bengaluru, India, operating as a wholly-owned subsidiary of Perfios since March 2025. The company serves Indian banks, NBFCs, and Asset Reconstruction Companies (ARCs) through a 20-module platform spanning early warning systems, borrower intelligence, AI-driven outreach, settlement negotiation, field operations monitoring, payments surveillance, legal case management, and distressed assets ledger. The platform is built directly on Perfios' 17-year BFSI infrastructure — which serves 1,000+ financial institutions across 18+ countries — and is trained on 400M+ data points with 14 production ML models supporting 50+ pre-built integrations with core banking systems (Finacle, BaNCS, Flexcube), credit bureaus (CIBIL, Experian, CRIF, Equifax), payment gateways (RazorPay, BillDesk, UPI/NACH), and communication channels.

The platform's flagship technology is the Maestro Agentic AI engine, purpose-built for post-origination collections and capable of autonomous negotiation with multi-language speech support (Hindi, Tamil, Telugu, Marathi, and 8+ regional languages) and real-time sentiment tracking. CreditNirvana operates two commercial offerings: a SaaS/PaaS Technology Platform for institutions to self-deploy within their infrastructure (modular, API-first, supports private/public/hybrid cloud), and Managed Collections Services where CreditNirvana runs end-to-end recovery operations on outcome-based pricing tied to portfolio performance. The platform currently manages a collection portfolio exceeding $9 billion across 42 million+ loan accounts, with named customers including Bajaj Finance, PNB Housing Finance, Ujjivan Bank, Aditya Birla Capital, and BharatPe.

The company is led by CEO Vinay Sathyanarayan (appointed June 2026, succeeding Founder Raj MKK), with Varun Kapoor as CPO and Vivek Dogra as CTO. CreditNirvana holds ISO 27001, ISO 27017, SOC 2 Type II, and CSA STAR Level 2 certifications, and operates under RBI Fair Practices Code, DLG norms, SARFAESI workflows, and DPDP Act 2023 compliance. Reported production outcomes include 91.4% recovery rate in Bucket 0–30 DPD, 68.4% resolution without human handoff, 32% NPA reduction (₹4.2 Cr recovered in a quarter), 8.1% recovery rate improvement, 18% reduction in average handle time, and 4-week time-to-go-live for a leading NBFC deployment.

Name

CreditNirvana

Legal name

Credit Nirvana

Website

https://creditNirvana.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

CreditNirvana is an Agentic AI-native collections platform serving Indian banks, NBFCs, and ARCs with 20 modules spanning early warning, borrower intelligence, AI-led outreach, settlement automation, and legal case management, operating as a wholly-owned subsidiary of Perfios since March 2025.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440), Collection Agencies (56144), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

Keywords

• Debt collection software
• Collections intelligence platform
• AI collections automation
• BFSI technology solutions
• Loan recovery platform

Headquarters

HQ city

Bangalore City

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS/PaaS Technology Platform: Technology Platform subscription where financial institutions deploy Credit Nirvana within their own operations. Revenue generated through platform licensing with modular architecture allowing deployment of needed modules.
2. Managed Collections Services: Full-service collections operation where Credit Nirvana runs the entire collections process for institutions using AI orchestration. Outcome-based pricing structured around recovery performance.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CreditNirvana provides an Agentic AI-native collections intelligence platform for Indian banks, NBFCs, and ARCs, comprising 20 modules spanning early warning, borrower intelligence, AI-led engagement, field operations, legal case management, and settlement automation. It offers two delivery models: a SaaS/PaaS technology platform deployed within customer infrastructure and a managed collections service where CreditNirvana runs the full collections operation with outcome-based pricing.

Product overview

CreditNirvana is a unified AI-powered collections intelligence platform comprising 20 integrated modules built on Perfios' BFSI infrastructure. The platform operates as a single integrated system spanning early warning detection (Early Warning System, Borrower Intelligence 360°), core collections operations (Collections Decision Engine, Robo Collect, Field Operations Monitor, Payments Surveillance Console), AI-driven automation (Maestro AI Agents, NegotiateAI Settlement AI Bot), and legal/distressed asset management (Legal Case Management, Settlement Automation, Distressed Assets Ledger). The platform offers two deployment models: a SaaS/PaaS technology platform for institutions to operate independently, or a fully managed collections service. The platform manages over $9 billion in collection portfolios across 42 million+ loan accounts for leading Indian banks, NBFCs, and ARCs.

Differentiator

Problem solved

Functional benefit

Brands

• Maestro: Agentic AI engine built from the ground up for post-origination collections. Includes Maestro Collection AI Agents, Maestro Agentic AI Orchestration, and NegotiateAI (Settlement AI Bot).
• Credit Nirvana Collections Intelligence Platform

Products and services

• Credit Nirvana Collections Intelligence Platform

Quantifiable outcome

• 91.4% recovery rate in Bucket 0-30 DPD
• +8 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability9 records

Feature10 records

Partnerships

One partnership is on record.

• PerfioscoreStrategic or Co-development Partner · 11 March 2025Credit Nirvana is a subsidiary of Perfios, India's leading B2B SaaS TechFin company. Acquired by Perfios in March 2025 for an undisclosed sum. Built on Perfios' 17 years of BFSI infrastructure with 1,000+ financial institutions and operations across 18+ countries. This is the parent company relationship providing infrastructure, data assets, and market credibility.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors1 record

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

M&A

Investments

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

Frequently asked questions about CreditNirvana