Debt Collection
Structured, multi-channel collections combining telephonic outreach, formal correspondence and disciplined field visits — executed strictly within the RBI Fair Practices Code.
Tele-calling · Field visits · Notices →Pawan Enterprises partners with India's leading NBFCs and finance companies to deliver compliant, audit-grade debt collection and asset recovery. Backed by a trained field force, structured supervisory governance and transparent reporting — we safeguard your portfolio while preserving the borrower relationship.
Engaged by India's leading finance companies
Established in 2012 under proprietor Nitish Kumar, Pawan Enterprises has built a reputation as a dependable debt-collection and asset-recovery partner to India's leading NBFCs and finance companies. We operate across Bihar, West Bengal and Assam, with PAN India deployment capability for asset recovery mandates.
Our model pairs an experienced field force with rigorous supervisory governance, in-house legal capability and structured reporting. Every engagement is treated as a long-term partnership — protecting the lender's book while preserving customer dignity at every step.
Recovery, done right, is a long-term partnership — we hold ourselves accountable to the lenders we serve, and to every customer we engage.
From early-bucket collections to final legal resolution, we manage the complete recovery lifecycle for our partner lenders.
Structured, multi-channel collections combining telephonic outreach, formal correspondence and disciplined field visits — executed strictly within the RBI Fair Practices Code.
Tele-calling · Field visits · Notices →Lawful repossession and recovery of financed assets against overdue installments, with full chain-of-custody documentation, secure storage and detailed inventory reporting.
Vehicles · Equipment · Two-wheelers →End-to-end resolution of Non-Performing Assets through bucket-wise strategy, negotiated settlements and structured roll-back plans designed to maximise realisation.
Bucket strategy · OTS · Restructuring →Dedicated teams handling unsecured personal-loan and consumer-credit recoveries across Bihar and West Bengal, with measured borrower engagement and full audit trails.
Unsecured · Consumer · BNPL →In-house legal coordination for SARFAESI proceedings, Section 138 NI Act matters and arbitration support — with end-to-end case tracking and counsel liaison.
SARFAESI · Sec. 138 · Arbitration →Tracing of untraceable borrowers through verified field intelligence, address validation and structured database research — purpose-built for high-vintage and difficult accounts.
Address trace · Verification · Intelligence →Selected engagements where we have delivered measurable, audit-grade recovery outcomes.
Active debt-collection and asset-recovery mandate across consumer-finance and two-wheeler portfolios, supported by structured field deployment.
Sustained debt-collection and asset-recovery engagement across vehicle-finance portfolios, with consistent on-ground performance.
Multi-year mandate for debt collection and asset recovery on overdue installments, executed across the Patna region in collaboration with Shiva Associate.
Comprehensive debt-collection and allied recovery operations spanning Patna and surrounding districts of Bihar.
Specialised Non-Performing Asset recovery covering Patna, North Kolkata and West Kolkata, with deployed on-ground teams and centralised supervision.
Focused, time-bound debt-collection campaign across East and West Kolkata, executed through disciplined field operations.
Begusarai · Samastipur · Patna · Motihari · North Kolkata · West Kolkata · Barpeta · Guwahati — supplemented by PAN India deployment capability for high-value asset-recovery mandates.
Inspection, surveillance, intelligence and exception reporting — applied with discipline at every stage of the recovery lifecycle.
Structured field inspection of overdue installments, financed assets, customer profile and collection feasibility before any action is initiated.
Computerised off-site monitoring of every active case, supported by periodic supervisor review, exception flagging and structured feedback loops.
A trained market-intelligence network powering skip tracing, asset verification and contextual borrower assessment for every assignment.
Daily and weekly MIS with structured exception reports — delivering complete visibility and operational control to partner lenders.
Market intelligence, disciplined teams and complete transparency — delivered consistently across every engagement.
Uncompromising adherence to the RBI Fair Practices Code and complete prevention of financed-asset mishandling at every touchpoint.
Live case visibility for partner lenders through a structured, two-way reporting interface — available 24/7.
A single point of contact, weekly governance reviews and a tailored recovery roadmap for every portfolio we manage.
A 1,500 sq. mtr. facility with CCTV surveillance, customer-care desk, conference hall and high-speed connectivity.
A registered MSME with statutory audit by an empanelled chartered-accountancy firm.
Our Samastipur headquarters and Purnia branch anchor recovery operations across Bihar, West Bengal and Assam — with PAN India deployment capability for high-value mandates.
Speak with our team for a confidential, tailored recovery roadmap for your book.
Share your portfolio details and our team will revert with a confidential, tailored proposal — typically within one working day.