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Starts at
₹800/mo
Credgenics
by Credgenics · Noida, Uttar Pradesh
Debt collections and resolution platform for lenders covering digital, field and legal recovery.
CRM softwareMade in India
- Starting price
- Price on request
- Quoted after a demo
- Free trial / plan
- No free plan
- No self-serve trial listed
- Deployment
- Cloud
- Web
- App Advisor rating
- 4.2
- transparency & India fit
What is Credgenics?
Credgenics is a Noida-headquartered collections platform built for banks, NBFCs, fintech lenders and asset reconstruction companies. It is not a general CRM. Each module maps to a stage of recovery: digital nudges over SMS, WhatsApp, email and IVR; a predictive dialer called DialNext; the CG Collect app for field agents; Billzy repayment links and eNACH mandates; and a litigation system that covers Section 138, arbitration, SARFAESI and IBC matters. Credgenics says it serves 150+ lenders and touched retail loans worth over USD 250 billion in FY24.
The litigation module is the main reason to pick Credgenics over a dialer-plus-CRM setup. It generates notices in bulk and tracks physical dispatch through India Post. It pulls hearing data from eCourts, and it gives empanelled advocates a CaseView mobile app where they can update case stages from the courtroom. Online dispute resolution runs through a partnership with JCAM, which helps unsecured personal-loan books where going to court would cost more than the dues.
The weak points are typical of enterprise lending software. Credgenics publishes no prices and offers no self-serve trial, so everything starts with a demo and a negotiated contract. The security page names an ISO certificate and encryption but no cloud provider or data-residency detail. The public Billzy Android app holds a modest 3.3 rating. Small lenders and gold-loan shops with a few hundred accounts will probably find it heavy.
In practice, pricing is quoted per engagement and depends on which modules you take (communications, dialer, field, legal, or managed collections servicing) and on account volumes. Integration runs through a documented REST API: you upload loans and payments, and tokens expire after 15 minutes by default. Plan a technical integration with your LMS before go-live, rather than expecting CSV uploads alone to carry the system.
What works well
- +Covers pre-due nudges, field visits and court litigation in one product, so a case's history is not split across vendors
- +The litigation module handles eight matter types, including Section 138, SARFAESI, IBC and arbitration
- +India Post tracking and dispatch proofs for physical legal notices are built in
- +The CG Collect field app supports 22+ Indian languages, geo-fencing and offline task updates
- +Billzy repayment links accept UPI, net banking, cards, NEFT/RTGS and eNACH auto-debit
- +A public API documents loan upload, payment update and credit-line endpoints
- +ODR is offered through JCAM for low-ticket unsecured loans where courts are uneconomical
What to watch out for
- −No public pricing or free trial; you have to book a demo and negotiate
- −Built for regulated lenders, so it is heavy for small finance businesses with low volumes
- −The security page does not name the cloud provider, data location or the exact ISO standard
- −The Billzy borrower app shows only a 3.3 rating on Google Play
- −Getting value requires an API integration with your loan management system
Best suited for: NBFCs and digital lenders running large retail or personal-loan books · Banks that need legal notices, eCourt tracking and advocate management at scale · ARCs and collection agencies that run field teams across several states · Lenders that want collections handled as a managed service on top of the software
Credgenics at a glance
Analysing Credgenics — pricing, features, reviews and alternatives…
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Credgenics features
Researched from Credgenics's official product pages · updated October 2026.
Digital collections
- Omnichannel SMS, email, WhatsApp and IVR campaigns
- GenAI voicebot (Swara) with intent and sentiment detection
- ML-based risk segmentation and bounce prediction
- DND, frequency and time-of-day policy controls
- A/B testing and campaign dashboards
Field collections (CG Collect)
- Bulk collector onboarding with pincode mapping
- Proximity-based allocation and route optimisation
- PTP visit logging and outcome capture
- Geo-fencing, masked borrower numbers and per-agent limits
- UPI, QR and NEFT collection with digital receipts
Legal and litigation
- Bulk physical and digital legal notices
- India Post tracking and proof of dispatch
- eCourt case tracking by CNR
- CaseView mobile app for empanelled advocates
- Case expense and advocate billing management
- ODR with JCAM, including bulk arbitrator appointment
Payments (Billzy)
- White-labelled, prefilled repayment links
- eNACH registration campaigns and auto-debit
- Automated reconciliation
- OTP-protected link access and repayment reminders
Platform and API
- REST API for loan upload, update and payment posting
- Credit-line customer and transaction APIs
- Token authentication with configurable expiry
- Webhook events
AI capabilities
- Swara GenAI voice assistant for borrower calls with payment-link sharing
- AI segmentation that suggests the next step after a legal notice (settlement, field visit or litigation)
- ML scores for recoverability and reachability to choose channels
Credgenics pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full Credgenics pricing breakdown
Digital collections and communications
Quote
- SMS, email, WhatsApp, IVR and AI voicebots
- ML scores for recoverability and reachability
- A/B testing of borrower journeys
CG Collect field collections
Quote
- Proximity-based allocation and route planning
- Live collector tracking and geo-fencing
- UPI, QR and NEFT receipts in the field
Litigation management and ODR
Quote
- Bulk legal notices with India Post tracking
- eCourt case tracking and CaseView app for advocates
- Online dispute resolution with JCAM
Billzy repayments
Quote
- White-labelled repayment links
- eNACH registration and recurring debit
- Automated payment reconciliation
Other pricing options & add-ons
Collections servicing / Collections for ARCs
Managed collections run by Credgenics
Quote
DialNext predictive dialer
Quote
- • Credgenics does not publish prices; the website routes all buyers to a demo request.
- • Pricing depends on the modules chosen and the account volume. GST is not mentioned on the site.
- • Sales number shown on the site: +91 8800330270.
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Integrations, security & India
Integrations
- eCourts
- India Post
- JCAM (ODR)
- eNACH
- UPI
- Google Maps (field app)
- Lender LMS via REST API
Security & compliance
- ISO 27001 certification, per the website FAQ
- Encryption in transit and tokenisation of uploaded data
- Role-based access and masking of borrower personal data
- Billzy: SSL, two-factor authentication and PCI DSS compliance
For Indian businesses
- Headquartered in Noida, with a registered office in Okhla, New Delhi
- Litigation workflows cover Indian statutes: Section 138 NI Act, SARFAESI, IBC and DRT
- Physical notices are tracked through India Post
- The field app supports 22+ Indian languages
- Repayments accept UPI, NEFT, RTGS, IMPS and eNACH
Mobile apps
Credgenics publishes CG Collect (field agents), Billzy (borrower repayments) and CaseView (advocates) apps.
Support, resources & partner network
Support & learning
- Customer success managers for onboarding and strategy reviews
- Sales line in India
Trust, compliance & who uses Credgenics
150+ lenders
Customers
Is Credgenics the best choice for you?
Best choice if you are…
- NBFCs and digital lenders running large retail or personal-loan books
- Banks that need legal notices, eCourt tracking and advocate management at scale
- ARCs and collection agencies that run field teams across several states
- Lenders that want collections handled as a managed service on top of the software
Look elsewhere if you are…
- Small businesses chasing invoice dues; an accounting tool's reminders will do
- Buyers who need a published price list or a self-serve trial before talking to sales
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (9) · updated October 2026
- https://www.credgenics.com/
- https://www.credgenics.com/about
- https://www.credgenics.com/security
- https://www.credgenics.com/litigation-management-system
- https://www.credgenics.com/cg-collect-field-debt-collections
- https://www.credgenics.com/billzy-digital-payment-platform
- https://www.credgenics.com/digital-debt-collections
- https://docs.credgenics.com/
- https://www.dpdzero.com/
Credgenics screenshots
Credgenics video
Crafting Bharat: Season 2 | Ep 7 | Anand Agrawal, Co-Founder & CPTO of Credgenics
Specifications
- Category
- CRM software
- Vendor
- Credgenics
- Headquarters
- Noida, Uttar Pradesh
- Founded
- Not published
- Pricing model
- Quote-based
- Starting price
- On request
- Deployment
- Cloud
- Platforms
- Web
- Best for
- Mid-market, Enterprise
- Made in India
- Yes
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Credgenics — frequently asked questions
What does Credgenics cost?+
Credgenics does not publish any prices. Every deal starts with a demo, and the quote depends on the modules you need, such as digital communications, the DialNext dialer, CG Collect field collections, litigation or managed servicing, and on your loan account volumes. GST is not mentioned on the site, so ask for the tax treatment in writing when you receive the commercial proposal.
Does Credgenics have a free plan or free trial?+
No. Credgenics has no free plan, and its website lists no self-serve trial. The platform is sold to banks, NBFCs and ARCs through a sales-led process, so the practical route is to book a demo and negotiate a pilot on a sample portfolio before signing an annual contract.
Who is Credgenics built for?+
Credgenics is built for regulated lenders in India: banks, NBFCs, fintech lenders and asset reconstruction companies with large retail loan books. It says it works with 150+ lenders. It is not suitable for a small trader chasing customer invoices, where an accounting tool's payment reminders are cheaper and simpler.
Can Credgenics handle legal recovery in India?+
Yes, and this is its most distinctive module. Credgenics generates legal notices in bulk, tracks physical dispatch through India Post, and follows cases on eCourts. It covers Section 138, arbitration, SARFAESI, IBC and civil matters, and gives empanelled advocates the CaseView app. Online dispute resolution is offered through a partnership with JCAM.
Does Credgenics have a mobile app for field agents?+
Yes. CG Collect is Credgenics' Android app for field collectors. It supports proximity-based case allocation, route planning, geo-fencing, promise-to-pay logging and UPI or QR collection with digital receipts. Credgenics says the app works in 22+ Indian languages and keeps updating tasks offline, which matters for rural collections.
Is borrower data safe with Credgenics?+
Credgenics says it holds ISO 27001 certification, encrypts and tokenises uploaded data, masks borrower personal details and enforces role-based access. Its Billzy payment module lists PCI DSS compliance and two-factor authentication. The public security page does not name the cloud provider or data location, so lenders should request these details during RBI outsourcing due diligence.
How does Credgenics integrate with my loan management system?+
Credgenics publishes REST API documentation at docs.credgenics.com. It covers uploading and updating loans, posting payments, credit-line transactions and webhooks. Access tokens are generated from client credentials and expire after 15 minutes by default. Budget developer time on the lender side, because automated loan and payment sync is what keeps the collections data accurate.
Credgenics vs DPDzero: what is the difference?+
Credgenics is mainly software that a lender's own teams run, with an optional managed servicing layer. DPDzero says it does not sell SaaS and instead runs collections for lenders on an outcome-based model. If you want to keep control of agents, notices and litigation in-house, Credgenics fits better. If you want to outsource the work, compare DPDzero.
What payment modes does Credgenics Billzy support?+
Billzy, Credgenics' repayment module, sends white-labelled, prefilled payment links that accept UPI, debit cards, net banking, IMPS, NEFT, RTGS and QR scans. It can also register eNACH mandates for recurring EMI debits and reconciles payments automatically. International payments are not supported, according to the product page.
Where is Credgenics based and is it Indian?+
Yes. Credgenics is an Indian company headquartered in Noida, with its registered office in Okhla, New Delhi, and a consumer service presence in Jakarta. Its co-founders are Rishabh Goel, Anand Agrawal and Mayank Khera, and its investors include Westbridge Capital and Accel.
Where is the Credgenics login page?+
Credgenics's login is at https://app.credgenics.com/login, linked from its official website.
Is Credgenics secure and compliant?+
Credgenics's official site states ISO 27001 compliance.
What is Credgenics?+
Credgenics is crm software by Credgenics, an Indian company from Noida. Debt collections and resolution platform for lenders covering digital, field and legal recovery.
How much does Credgenics cost?+
Credgenics is priced on request. Request a demo through App Advisor and we will ask the vendor for a written quote.
Does Credgenics offer a free trial or free plan?+
Credgenics does not advertise a free plan; ask the vendor for a trial or a guided demo.
Is Credgenics made in India?+
Yes. Credgenics is built by Credgenics, headquartered in Noida, Uttar Pradesh.
Who is Credgenics best suited for?+
Credgenics suits mid-market, enterprise buyers looking for crm software.
What are the best alternatives to Credgenics?+
Popular alternatives in crm software include Zoho CRM, Freshsales, LeadSquared. Use App Advisor's compare tool to see them side by side.
How is Credgenics deployed?+
Credgenics is available as a cloud (SaaS) product, with web access.
About Credgenics
Credgenics · Noida, Uttar Pradesh · 1 product in our catalogue · Indian company
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