🇮🇳India

अनावश्यक क्षेत्र दौरे और दोहरे संपर्क प्रयास (Unnecessary Field Visits and Duplicate Contact Attempts)

Updated: Feb 20262 verified sources

Definition

Debt collection agencies allocate borrower records to individual agents, who enter call dispositions into software based on interactions. However, multiple agents may be assigned overlapping borrower lists or similar names. Field agents mark visits in mobile apps without live synchronization to prevent other agents from attempting contact simultaneously. This causes: (1) Multiple field visits to same borrower within short timeframes; (2) Wasted travel costs (fuel, vehicle depreciation, per-visit allowances); (3) Borrower complaints about harassment (multiple visits); (4) Inefficient allocation of limited field force capacity.

Key Findings

Financial Impact: ₹50,000-2 lakhs annually per agency: estimated 5-15% of field visits are redundant; fuel cost ₹300-500/visit × redundant visits × months; field agent per-visit allowance ₹200-500 × redundant instances
Frequency: Weekly/monthly during active collection cycles (minimum 6-month assignment period)
Root Cause: Lack of real-time mobile app synchronization; manual call disposition entry without cross-borrower visibility; siloed agent workflows

Why This Matters

The Pitch: Indian collection agencies waste ₹50,000-2 lakhs annually per agency on unnecessary field visits due to poor coordination. Real-time shared borrower history eliminates duplicate visits and optimizes field force utilization.

Affected Stakeholders

Field Agents, Team Leaders (managing agent allocation), Operations Managers (cost control)

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.

Evidence Sources:

Related Business Risks

शुल्क गणना त्रुटि और बিना बिल की गई सेवाएं (Fee Calculation Errors and Unbilled Services)

Estimated ₹2-8 lakhs annually per agency handling 1,000+ borrower accounts; typical recovery percentage disputes: 15-30% of invoiced amounts held pending reconciliation

विलंबित खाता समाधान और निपटान सत्यापन (Delayed Accounts Receivable and Settlement Verification)

₹5-15 lakhs annually per agency: calculated as average collection portfolio × settlement delay (15-45 days) × agency's cost of capital (10-15% annualized); typical client payment holds: 20-30% of monthly invoiced amounts pending settlement verification

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