शुल्क गणना त्रुटि और बিना बिल की गई सेवाएं (Fee Calculation Errors and Unbilled Services)
Definition
Debt collection agencies in India operate on contingency-based or percentage-of-recovery models. Manual data entry of call dispositions, field visits, and settlement agreements creates gaps between services rendered and fees invoiced. Clients (Banks/NBFCs) provide borrower data monthly, but agencies lack real-time validation of which services map to billable events. This causes: (1) Delayed invoicing for physical field visits; (2) Missed billing for settlement negotiations that reduce collection amounts; (3) Inconsistent fee application across similar cases; (4) Client disputes over invoice accuracy, triggering payment holds.
Key Findings
- Financial Impact: Estimated ₹2-8 lakhs annually per agency handling 1,000+ borrower accounts; typical recovery percentage disputes: 15-30% of invoiced amounts held pending reconciliation
- Frequency: Monthly invoice reconciliation cycles; ongoing throughout collection period (6+ months minimum assignment)
- Root Cause: Manual allocation of borrower records to agents, subjective call disposition entry, lack of automated fee validation rules linked to outcomes
Why This Matters
The Pitch: Indian debt collection agencies waste ₹2-8 lakhs annually per 1,000 borrower accounts on manual fee reconciliation errors. Automation of fee calculation against call dispositions and field activities eliminates revenue leakage from unbilled services.
Affected Stakeholders
Collection Agency Finance/Billing Teams, Team Leaders (Dashboard Operators), Client Relationship Managers (Banks/NBFCs)
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
अनावश्यक क्षेत्र दौरे और दोहरे संपर्क प्रयास (Unnecessary Field Visits and Duplicate Contact Attempts)
विलंबित खाता समाधान और निपटान सत्यापन (Delayed Accounts Receivable and Settlement Verification)
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