Our Company

Redefining debt collection begins with creating personalised, digital-first experiences that help consumers overcome their financial difficulties. Founded in 2022, IRA is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in Asia.

Flow’s data-driven collection strategies have proven, remarkable recovery rates for top financial institutions and technology companies.


IRA is a sole proprietary company and is engaged in Debt collection, Debt recovery, Customer Support (Telecalling) and related ancillary services. Our Agents are certified. Our Head office is located Mumbai and we provide our services in all cities of India.

We offer cost-effective, efficient and ethical services suitable to all sizes of commercial organizations. We work towards removing the obstacles that stand between our client’s business and the money it’s owed, by maximizing the recovery of their outstanding debts. We understand the importance of confidentiality of private data our clients, data security, and that is why we ensure that the data provided to us always remains confidential and for the same if desired we offer to enter into a Non-Disclosure Agreement.


We are a team of experienced lawyers and technology focussed individuals united in a mission to reduce the exponentially growing Non Performing Assets in the Indian Economy by harnessing the power of technology and data driven analytics. Our focus is to provide deep insights that improve collection efficiency across deliquent portfolios of ARCs, Banks & NBFCs.


Benefits to Clients

Cost Savings – source qualified professional at fraction of this cost in and pass on this benefit to the client. Our client can focus on their core business, devising strategies and its implementation, which will help to improve the profitability as well as the overall revenue performance Abundant supply of qualified manpower enables our client to scale up the call center at short notice.

Candidates are screened and tested for English, Hindi and multi-language skills, both written and spoken, as well as pressure taking capabilities.

We focus on quality and cost effective solutions

Core Values
Rapid adaption of new solutions to help our client’s and team mates succeed
We exhibit integrity and transparency in all we do and help each other be great
We approach challenges and obstacles with positivity and resiliency
We value and understand that partnership is central to who we are and what we do
Our vision is to be the best in our game that is collection services and tele- calling, something that is most valued by our clients, partners and employees.
Our mission is to maximise the collection of all debts whilst remaining mindful of existing business relationships.

Indian Recovery Agency is India’s leading Recovery and technology enabled Collections platform. We work with financial institutions, Banks, NBFCs & Digital lending firms to improve their collections efficiency using technology, automation intelligence and optimal legal routes in order to expedite the recovery of bad loans. We help our clients increase their overall recovery rate and simultaneously reduce their collection costs. Our SaaS based collection platform is integrated with legal workflow and delivers customised strategies which helps creditors efficiently improve their NPA, geographic reach and customer experience.

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