End-to-End Infrastructure
Full lifecycle management from underwriting to collections, including digital nudges, field ops, and legal processing.
Intelligence YouCan Trust
AI-powered infrastructure for credit, risk and receivables management, tailor-made to securely scale your industry operations.
Bank-grade security
2000Cr+ AUM managed
Built for India's credit reality.
For Lenders
You use 7 tools to sanction one loan. There is a better way.
See howFor AIFs & Private CreditYour deal pipeline is still an Excel. Your LP deserves better.
See howFor Procurement & RiskYou onboard a vendor in a day. You find out they defaulted in a year.
See howFor Finance & RecoveryYour overdue receivables are sitting with an agency. And ageing.
See howBuilt by operators. Running in production today. You don't deploy a roadmap — you plug into live infrastructure already running Indian credit at scale.
Comprehensive Financial Solutions
Explore our suite of AI-powered tools designed to optimize your financial operations
CARMARecover
B2B receivables, collected. End to end.
- Tech stack + field teams + legal — one accountable partner with pan-India presence.
- We specialise in hard buckets: 76% of what we collect is 90+ DPD — the paper others return untouched.
- You pay only when we collect. No retainer, no floor charge, no excuses.
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CARMAAssess
Counterparty diligence, reimagined for the entereprise.
- Existing platforms give data, while missing analysis - inference across multiple signals to produces an opinion
- Toggle between basic negative checks and forensic GST, bank, and bureau analysis via uploads or consent-based fetches.
- Continuously monitor business partners — monthly/quarterly re-grading flags stress before it becomes a default.
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CARMACore
One platform for the full business lending lifecycle.
- LOS with auto underwriting + LMS purposefully built for business credit.
- Bank statement analysis- Turn raw bank statements into forensic, lender-grade credit insights.
- 8× faster disbursement. 100% digital.
- Plug-and-play one AI module or take the full stack platform. Your choice.
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CARMADealFlow
Deal infrastructure for private credit and equity.
- Structured pipeline with compliance gates, IC workflows, and a full audit trail.
- Facility creation, tranche management, auto-disbursement, and real-time IRR.
- 27+ covenants tracked live. Breach alerts are instant. Exits managed cleanly.
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Indian credit breaks in three ways. CarmaOne is built across all three.
01
Underwriting doesn't keep up
Businesses change fast. Credit decisions don't. Result: mispriced risk and high rejections.
02
Receivables fall through cracks
Cash flows scattered. Collections broken. Payments delayed. Cash stuck.
03
Lending runs on stitched tools
Too many vendors. Slower decisions. Large unmet credit gap.
The CarmaOne Answer
One intelligent platform running the full credit lifecycle on a single data layer.
No bolt-ons. No stitching. No data lost in handoffs.
Every assessment sharpens the next approval. Every collection feeds the next risk model. Intelligence that compounds with every credit decision.
Why Enterprise Financial Institutions Choose CarmaOne
An AI-powered SaaS platform that empowers banks, NBFCs, and fintechs to manage credit end-to-end — from robust underwriting to collections, field operations, and legal recovery — with complete control, compliance, and transparency.
AI-Driven Execution
AI-powered automation for call scoring, visit tracking, and borrower engagement to reduce costs and boost speed.
Anchor Control & Transparency
Complete visibility with custom rules, live case tracking, and real-time agent performance monitoring.
Nationwide Field Network
Pan-India network of verified agents for field visits, backed by real-time tracking and virtual ID cards.
Legal Expertise
Comprehensive legal support for high-ticket recoveries, from automated notices to recovery handling.
Enterprise-Grade Security
- SOC 2 Type II Certified
- 256-bit Encryption
- ISO 27001 Compliant
About CarmaOne
Built by operators who've spent decades inside Indian credit.
CarmaOne is the unified credit operating system for India — bringing origination, underwriting, portfolio management and collections onto a shared intelligence layer.
50+
Enterprises, lenders & funds
₹2,000 Cr+
Credit exposure enabled
90+
Integrations & data sources
110 yrs
Combined leadership tenure
Trusted by Industry Leaders
Powering growth for innovative companies across industries
Join hundreds of companies transforming their operations with our platform
Success Stories
A glimpse of results powered by our platform
Leading client entrusted CarmaOne to recover ₹48.9M from 19 customers
The client needed to recover ₹48,902,262 in outstanding payments from 19 customers, requiring intensive mediation and follow-ups.
₹48.9M Outstanding92 Field Visits460 Calls Made
CarmaOne deployed strategic communication and field visits. The persistent effort resulted in 14 customers settling for a gross recovery of ₹28,528,142.
Major client challenged with recovering ₹59M from 164 customers
A massive outstanding amount of ₹59,088,081 spread across 164 customers required intensive follow-up, field visits, and coordinated call efforts.
₹59M Outstanding7,969 Calls Made23 Field Visits
CarmaOne implemented a thorough strategy combining field intervention and consistent call efforts, resulting in 24 customers settling their dues totaling ₹10,353,359.
Large NBFC struggling with high cost of collections and delinquencies
High reliance on manual tele-calling and distributed field agents led to increasing collection costs and rising 90+ DPD accounts.
High collection costsRising 90+ DPDManual tracking
Implemented automated omnichannel nudges and intelligent borrower segmentation to prioritize high-risk accounts for early intervention.
Major Private Bank lacking real-time visibility into field operations
Delayed reporting from third-party collection agencies caused poor visibility into field visits, resulting in low recovery rates.
Delayed reportingLow recovery ratesCompliance risks
Deployed real-time agency allocation and tracking portal with geofenced visit verification and instant payment reconciliation.
Fintech lender facing difficulties with fragmented legal case management
Managing legal notices and arbitration across multiple jurisdictions was entirely manual, causing missed deadlines and untraceable histories.
Missed deadlinesManual trackingScattered histories
Centralized legal workflow automation with bulk notice generation, integrated e-signatures, and auto-tracking of court dates.
Fintech lender with growing portfolio and high calling costs
Growing portfolio led to uncontrolled calling costs with limited reach and no standard messaging for collections.
High calling costsLimited reachNo standardization
Automated reminder calls, overdue alerts, and DPD follow-ups ensuring standard communication at lower cost.