End-to-End Infrastructure
Full lifecycle management from underwriting to collections, including digital nudges, field ops, and legal processing.
Intelligence You Can Trust
AI-powered infrastructure for credit, risk and receivables management
Secure
Bank-grade security
2000Cr+
AUM managed
25+
Trusted clients
Comprehensive Financial Solutions
Explore our suite of AI-powered tools designed to optimize your financial operations
AI Calling Agents for Sales & Collections
Close more deals & recover faster — AI agents that never sleep, across 15+ Indian languages
- Prospect reach out for interested leads
- Automated payment reminders before due date
- Call summary with CRM integration
Learn more
Supply Chain Finance
Unlock capital trapped in your supply chain — fund dealers & distributors at scale
- Anchor-based dealer and distributor financing
- Credit visibility across partner ecosystems
- Technology-enabled working capital financing
Learn more
Receivable Management
Turn overdue receivables into recovered revenue — smarter, faster, with less effort
- Smart receivable prioritization using risk scoring
- Automated collections workflows by DPD stage
- Real-time recovery dashboards
Learn more
Loan Origination System
Go from lead to sanction in record time — AI does the heavy lifting on docs, data & decisions
- Pre-lead screening using PAN, GST, Bureau & rule-based filters
- AI Auto CAD Agent classifying 70+ doc types
- AI-generated CAM in minutes with deep analysis
Learn more
LMS for Supply Chain Finance
Disburse invoices in 2 minutes — a full SCF stack built for speed, scale & flexibility
- Anchor–Program–Borrower workflows with co-lending support
- 2-minute invoice disbursal
- Cash margin auto provisioning with real-time AUM calculation
Learn more
Deal Management System
From term sheet to portfolio — manage every private credit deal with precision and control
- End-to-end deal lifecycle management for private credit
- Term sheet generation and covenant tracking
- Portfolio monitoring with risk-adjusted performance dashboards
Learn more
Driving Digital Transformation
Across Industries
Loan Management System
End-to-end LMS for seamless disbursement, repayment tracking, and reporting.
Loan Origination System
Digitize and automate the entire loan lifecycle from lead capture to final sanction.
AI Auto-Underwriting
Automated credit decisioning using ML models and real-time alternative data sources.
AI CAD Agent
Intelligent document processing and digital dossier creation for rapid compliance.
AI Calling & Call Analytics
Multilingual AI agents for automated customer outreach, collections, and feedback.
Receivable Management
AI-powered omnichannel collections and field recovery operations.
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
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.