RBI Fair Practice Code & SARFAESI Compliant Infrastructure

Autonomous Legal Debt Recovery for Indian Financial Institutions

Nyaya is the enterprise operating system that unifies deterministic AI recovery scoring, automated DRT & SARFAESI workflows, digital notice generation, and advocate orchestration into a single audited platform.

₹2,840 Cr+
NPA Portfolio Managed
↑ 34% YoY Growth
1.2 Mn+
Cases Resolved
Pre & Post Litigation
82.4%
Early Settlement Rate
vs 41% legacy average
14 Days
Avg Notice Turnaround
Down from 62 days
Designed for Leading Indian Commercial Banks & NBFCs
HDFC Bank
State Bank of India
ICICI Bank
Axis Bank
Kotak Mahindra Bank
Punjab National Bank
IDFC First Bank
Yes Bank
Interactive Platform Simulation

Experience the Nyaya Recovery Command Center

Inspect real-time telemetry, AI decision weights, and statutory legal tracking as experienced by bank recovery cells.

NYAYA RECOVERY TELEMETRY · LIVE PORTFOLIO ACTIVE
CASE EVALUATION · NYA-001
Rajesh Kumar (HDFC Bank Secured Loan)
Outstanding: ₹12,40,000 · DPD: 92 Days (NPA Declared)
78%
Recovery Likelihood
DETERMINISTIC WEIGHT FACTORS (EXPLAINABLE)
Prime residential mortgage mortgaged as collateral (LTV 48%)
+32%
Borrower maintains active salary inflows at private telecom firm
+18%
Prior cheque return under Section 138 NI Act within 60 days
-14%
No pending SARFAESI stay orders in DRT-II Mumbai jurisdiction
+12%
RECOMMENDED STATUTORY ACTION
Issue SARFAESI Section 13(2) Demand Notice with 60-day cure period. Concurrently initiate Section 138 NI Act summons.
PROJECTED RECOVERY ESCROW
Expected Settlement₹11,16,000 (90%)
Resolution Window28 - 45 Days
Enterprise Platform Capabilities

Purpose-Built for Indian Banking Laws & Recovery Realities

Every engine is designed to eliminate human bottlenecks, prevent time-barred defaults, and protect banks from regulatory fines.

Patent-Pending ML

Deterministic AI Recovery Engine

Explainable multi-factor scoring with clear WHY factors per case. Analyzes borrower willingness, GST filings, and cash flows without generative hallucination.

Statutory Workflows

SARFAESI & DRT Legal Engine

Statutory 60-day notice automation under Section 13(2), symbolic possession under 13(4), DRT Section 19 pleadings, and Section 138 NI Act cheque bounce workflows.

Computer Vision

Intelligent Document OCR & Verification

Deep document intelligence scans loan sanctions, title search reports, and hypothecation deeds. Detects forged signatures, mismatched PANs, and collateral defects.

Enterprise CBS Connectors

Core Banking System Ingestion

Native zero-downtime bi-directional connectors for Finacle, TCS BaNCS, FLEXCUBE, and Loan Management Systems. Ingest millions of NPA records in minutes.

Counsel Network

Empaneled Advocate Orchestration

Algorithmic case routing to verified legal counsel based on tribunal success rates, regional court experience, and automated fee escrow disbursement upon case milestones.

India Post API + WhatsApp

Omnichannel Borrower Telemetry

India Post registered speed-post API tracking, verified WhatsApp legal notices, and conversational dispute-resolution portals compliant with RBI Fair Practices.

Deterministic Lifecycle Orchestration

How Nyaya Recovers Delinquent Debt

From initial NPA classification to tribunal recovery and final ledger reconciliation.

STEP 01
Core Banking Ingestion
Automatic sync with Finacle or CBS extracts delinquent loans, NPA classifications, security interest documentation, and KYC records.
STEP 02
Deterministic AI Scoring
Multi-parameter neural models evaluate recovery likelihood, asset liquidation timeline, and calculate statutory limitation expiry risks.
STEP 03
Automated Notice Generation
One-click generation of statutory SARFAESI 13(2), Section 138 NI Act, or pre-litigation conciliation notices with digital signature verification.
STEP 04
Advocate & Tribunal Sync
Automatic assignment to empanelled DRT/Civil advocates, automated hearing diary synchronization, and real-time e-Courts API updates.
STEP 05
Reconciliation & Settlement
Automated payment reconciliation with instant CBS reversal, closing notices, and tamper-proof audit trails for RBI inspections.
Institutional Comparative Analysis

Traditional Collection Agencies vs. Nyaya Legal OS

Operational DimensionLegacy Collection AgenciesNyaya Legal & Recovery OS
Recovery Methodology
Fragmented third-party recovery call centers with inconsistent follow-ups
Deterministic AI scoring + statutory legal escalation pipelines
Regulatory Compliance
High risk of RBI Fair Practice Code violations and consumer litigation
100% compliant with automated digital audit logs & sovereign data residency
Notice-to-Dispatch TAT
45–60 days for lawyer vetting, physical printing, and manual post
Under 24 hours with automated drafting & integrated Speed Post API
Tribunal Visibility
Manual phone calls to empanelled lawyers for court hearing dates
Real-time e-Courts API synchronization with automated diary reminders
Security & Encryption
Unencrypted spreadsheets shared across unverified third-party vendors
Bank-grade 256-bit encryption, role-based access control & private VPC
Bank-Grade Security Architecture

Zero-Trust Security & Indian Sovereign Data Residency

ISO 27001 Certified
Rigorous information security management system controls.
MeitY Cloud Residency
All borrower data remains 100% within sovereign Indian borders.
Dual-Control RBAC
Maker-checker authorization for every notice approval and filing.
AES-256 Encryption
Financial-grade cryptographic protection in transit and at rest.
Frequently Asked Questions

Institutional Legal Recovery Architecture

Nyaya features native connectors for leading enterprise banking cores including Infosys Finacle, TCS BaNCS, and Oracle FLEXCUBE. Data can be synchronized via secure REST APIs, SFTP batch processing, or real-time event webhooks with zero schema downtime.
Instant Institutional Deployment

Modernize Your Bank's Legal Debt Recovery Infrastructure

Join 150+ lenders using Nyaya to accelerate SARFAESI resolutions, reduce legal overhead, and maintain complete RBI regulatory compliance.